Upstart Holdings, Inc. Ratios

Ratios Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 28.08%43.25%57.30%60.71%61.89%73.16%73.80%
EBT Margin -12.68%-3.01%2.55%15.76%-12.02%-42.83%-20.17%
EBIT Margin -93.17%-2.79%5.04%16.60%-12.55%-45.77%-27.16%
EBITDA Margin -93.17%-2.79%5.04%16.60%-12.55%-45.77%-27.16%
Operating Margin -93.17%-2.79%5.04%16.60%-12.55%-45.77%-27.16%
Net Margin -12.68%-3.68%2.39%15.96%-11.98%-42.85%-20.20%
FCF Margin 56.89%16.80%4.90%18.85%-74.06%-21.82%27.84%
Efficiency
Assets Average 0.44B1.15B1.88B1.98B2.19B
Equity Average 0.55B0.74B0.65B0.63B
Invested Capital 0.36B1.50B1.66B1.68B2.04B
Asset Utilization Ratio 0.540.740.480.280.29
Leverage & Solvency
Interest Coverage Ratio 0.000.001.4743.03-10.50-7.35-4.28
Equity Ratio 0.630.440.350.310.27
Times Interest Earned 0.000.001.4743.03-10.50-7.35-4.28
Dividends & Payouts
FCF Payout Ratio 0.180.05
Valuation
Enterprise Value -0.04B10.37B12.40B1.08B3.11B4.84B
Market Capitalization 10.62B12.40B1.08B3.48B5.62B
Return Ratios
Return on Sales -0.13%-0.03%0.02%0.16%-0.12%-0.43%-0.20%
Return on Invested Capital -0.07%
Return on Assets 0.01%0.12%-0.06%-0.12%-0.06%
Return on Equity 0.24%-0.15%-0.37%-0.20%