Upstart Holdings Inc (NASDAQ:UPST)
38.03 USD
+1.940 5.376%Sponsored Reports
Previous Close (in USD) | 36.09 |
---|---|
Change | +1.940 5.376% |
52 W H/L (in USD) | 72.580/19.840 |
EBITDA (in USD) | -129.588M |
PE Ratio | -- |
Volume | 5762772 |
Diluted Eps TTM | -2.03 |
Total Assets (in USD) | 2017.1M |
---|---|
Total Liabilities (in USD) | 1381.795M |
Revenue TTM (in USD) | 576.905M |
Cash (in USD) | 467.787M |
Market Cap (in USD) | 2,051.951 M |
Revenue Per Share TTM | 6.783 |
Gross Profit TTM (in USD) | 665.293M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Upstart Holdings Inc
2950 South Delaware Street, San Mateo, CA, United States, 94403
833 212 2461
Employees: 1388
Key Executives
Sr. No. | Name | Title | Year Born |
---|---|---|---|
1. | Mr. David J. Girouard | Co-Founder, Pres, CEO & Chairperson of the Board | 1966 |
2. | Mr. Paul Gu | Co-Founder, CTO & Director | 1991 |
3. | Ms. Anna M. Counselman | Co-Founder & Sr. VP of Bus. Operations | 1981 |
4. | Mr. Sanjay Datta CFA | Chief Financial Officer | NA |
5. | Ms. Alison Nicoll | Gen. Counsel & Sec. | 1972 |
6. | Mr. Jason Schmidt | VP of Investor Relations | NA |
7. | Ms. Annie Delgado | Chief Compliance Officer | NA |
8. | Scott Darling | Chief Legal Officer & Corp. Sec. | NA |
9. | Ms. Pavi Ramamurthy | Chief Information Security Officer | NA |
10. | Natalia Mirgorodskaya | Corp. Controller | NA |
Peers
Sector: Financial Services
Industry: Credit Services
Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
V
Visa Inc. Class A |
+1.980 0.694% | 286.49 | 31.250 | 25.974 | 16.183 | 13.642 | 16.193 | 23.371 |
MA
Mastercard Inc |
+1.250 0.254% | 493.1 | 37.040 | 29.499 | 16.143 | 62.352 | 16.474 | 27.236 |
AXP
American Express Company |
+3.850 1.509% | 256.23 | 17.390 | 14.577 | 2.421 | 4.818 | 0.000 | 0.000 |
PYPL
PayPal Holdings Inc |
-0.260 0.370% | 70.04 | 15.530 | 12.610 | 2.284 | 3.230 | 2.137 | 9.315 |
Income Statement
(Currency in USD)Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
---|---|---|---|---|---|
Income Before Tax | -109.074M | 133.731M | 5.95M | -4.946M | -11.218M |
Minority Interest | 0M | 0M | -0.404M | 1.026M | 1.101M |
Net Income | -108.665M | 135.443M | 5.579M | -5.02M | -11.218M |
Selling General Administrative | 373.284M | 240.256M | 83.19M | 56.812M | 35.236M |
Gross Profit | 654.45M | 731.01M | 195.835M | 139.242M | 83.897M |
Reconciled Depreciation | 13.513M | 7.541M | 2.278M | 0.774M | 0.314M |
Ebit | -113.863M | 140.881M | 11.765M | -4.575M | -7.971M |
Ebitda | -100.35M | 148.422M | 14.043M | -3.801M | -7.657M |
Depreciation And Amortization | 13.513M | 7.541M | 2.278M | 0.774M | 0.314M |
Operating Income | -113.863M | 140.881M | 11.765M | -4.575M | -7.971M |
Other Operating Expenses | 965.78M | 568.535M | 188.398M | 151.023M | 81.902M |
Interest Expense | 10.843M | 3.274M | 8.026M | 26.485M | 26.483M |
Tax Provision | -0.409M | -1.712M | 0.371M | 0.074M | 0M |
Interest Income | 105.58M | 50.588M | 12.842M | 30.827M | 37.314M |
Net Interest Income | 94.737M | 47.314M | 4.816M | 4.342M | 10.831M |
Income Tax Expense | -0.409M | -1.712M | 0.371M | 0.074M | 1.101M |
Total Revenue | 842.444M | 848.589M | 233.416M | 164.189M | 99.313M |
Total Operating Expenses | 956.307M | 707.708M | 221.651M | 168.764M | 107.284M |
Cost Of Revenue | 187.994M | 117.579M | 37.581M | 24.947M | 15.416M |
Total Other Income Expense Net | -11.661M | -7.15M | -0.404M | -4.554M | -25.382M |
Net Income From Continuing Ops | -103.981M | 135.443M | 5.579M | -5.02M | -11.218M |
Net Income Applicable To Common Shares | -108.665M | 135.443M | 5.983M | -0.466M | -12.319M |
Balance Sheet
(Currency in USD)Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
---|---|---|---|---|---|
Total Assets | 2017.1M | 1936.054M | 1820.455M | 477.255M | 393.462M |
Intangible Assets | 11.356M | 15.631M | 19.906M | - | - |
Other Current Assets | 1270.642M | 110.056M | 514.319M | -38.677M | 35.678M |
Total Liab | 1381.795M | 1263.619M | 1013.377M | 177.003M | 455.15M |
Total Stockholder Equity | 635.305M | 672.435M | 807.078M | 300.252M | -62.714M |
Other Current Liab | 111.84M | -235.665M | -54.593M | -54.269M | -91.155M |
Common Stock | 0.009M | 0.008M | 0.008M | 0.007M | 0.002M |
Capital Stock | 0.009M | 0.008M | 0.008M | 0.007M | 0.002M |
Retained Earnings | -282.576M | -42.444M | 66.221M | -69.222M | -75.205M |
Good Will | 67.062M | 67.062M | 67.062M | - | - |
Other Assets | 0M | 1259.197M | 578.214M | 179.02M | 277.987M |
Cash | 467.787M | 422.411M | 986.608M | 250.819M | 50.818M |
Cash And Equivalents | - | - | - | - | - |
Total Current Liabilities | 139.419M | 119.502M | 54.593M | 54.269M | 91.155M |
Current Deferred Revenue | - | - | - | - | - |
Net Debt | 776.377M | 1001.222M | -190.81M | -168.761M | 84.852M |
Short Term Debt | 14.966M | 336.452M | 48.03M | 40.494M | 84.596M |
Short Long Term Debt | 387.425M | 336.452M | 48.03M | 40.494M | 84.596M |
Short Long Term Debt Total | 1244.164M | 1423.633M | 795.798M | 82.058M | 135.67M |
Other Stockholder Equity | 917.872M | 714.871M | 740.849M | 369.467M | 12.489M |
Property Plant Equipment | - | 44.168M | 120.377M | 22.342M | 20.02M |
Total Current Assets | 467.787M | 463.661M | 994.896M | 269.893M | 93.255M |
Long Term Investments | 41.25M | 41.25M | 40M | - | - |
Short Term Investments | 41.25M | 41.25M | 8.377M | - | - |
Net Receivables | 55.337M | 52.833M | 8.288M | 19.074M | 42.437M |
Long Term Debt | 652.999M | 986.394M | 695.432M | 62.626M | 34.013M |
Inventory | -1325.979M | - | 55.518M | - | - |
Accounts Payable | 12.613M | 18.715M | 6.563M | 13.775M | 6.559M |
Accumulated Other Comprehensive Income | - | - | - | -477.255M | -1.414M |
Non Currrent Assets Other | 45.484M | -41.25M | -247.345M | -28.342M | -22.22M |
Non Current Assets Total | 1549.313M | 213.196M | 247.345M | 28.342M | 22.22M |
Capital Lease Obligations | 62.324M | 100.787M | 100.366M | 19.432M | 17.061M |
Long Term Debt Total | - | 986.394M | 695.432M | - | - |
Cash Flow
(Currency in USD)Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
---|---|---|---|---|---|
Investments | -91.212M | -40M | 136.517M | 45.433M | -137.237M |
Total Cashflows From Investing Activities | -114.125M | -143.877M | 136.517M | 45.433M | -137.237M |
Total Cash From Financing Activities | 130.032M | 855.432M | 79.052M | -119.19M | 135.766M |
Net Income | -108.665M | 135.443M | 5.579M | -5.02M | -11.218M |
Change In Cash | -658.774M | 879.908M | 231.266M | -42.175M | 48.867M |
Begin Period Cash Flow | 1191.241M | 311.333M | 80.067M | 122.242M | 73.375M |
End Period Cash Flow | 532.467M | 1191.241M | 311.333M | 80.067M | 122.242M |
Total Cash From Operating Activities | -674.681M | 168.353M | 15.697M | 31.582M | 50.338M |
Depreciation | 13.513M | 7.541M | 2.278M | 0.774M | 0.314M |
Other Cashflows From Investing Activities | -14.088M | 11.458M | 14.661M | 8.275M | 1.229M |
Dividends Paid | - | - | - | - | - |
Change To Inventory | - | - | - | - | - |
Sale Purchase Of Stock | -177.883M | 282.812M | 0M | -0.661M | 0M |
Other Cashflows From Financing Activities | 708.813M | 662.817M | 93.803M | 190.789M | 476.963M |
Capital Expenditures | 22.913M | 15.115M | 5.605M | 5.279M | 1.044M |
Change In Working Capital | -21.866M | 55.244M | 18.253M | 0.033M | 13.933M |
Other Non Cash Items | -683.608M | -102.833M | -50.975M | 0.93M | 2.982M |
Free Cash Flow | -697.594M | 153.238M | 10.092M | 26.303M | 49.294M |
Funds
Sr. No. | Name | Purchased On | Shares |
---|---|---|---|
1. | Vanguard Total Stock Mkt Idx Inv | 4 months ago | 2357105 |
2. | Vanguard Small Cap Index | 4 months ago | 1869271 |
3. | iShares Russell 2000 ETF | 4 months ago | 1727524 |
4. | Vanguard Institutional Extnd Mkt Idx Tr | 4 months ago | 1094167 |
5. | Global X Robotics & Artfcl Intllgnc ETF | 4 months ago | 1081959 |
6. | Vanguard Small Cap Growth Index Inv | 4 months ago | 1055783 |
7. | Fidelity Small Cap Index | 6 months ago | 748305 |
8. | WisdomTree Art Intelligence ETF USD Acc | 4 months ago | 646115 |
9. | iShares Russell 2000 Growth ETF | 4 months ago | 630534 |
10. | State St Russell Sm/Mid Cp® Indx NL Cl C | 4 months ago | 454478 |
11. | Fidelity Extended Market Index | 5 months ago | 423026 |
12. | Allspring (Lux) WW Glb L/SEq IPUSD Acc | 4 months ago | 418816 |
13. | FT Nasdaq Artfcl Intllgnc and Rbtc ETF | 4 months ago | 372808 |
14. | Schwab US Small-Cap ETF™ | 4 months ago | 348067 |
15. | Vanguard Russell 2000 ETF | 4 months ago | 279342 |
16. | State St Russell Sm Cap® Indx SL Cl I | 4 months ago | 268300 |
17. | Sanlam Glb Artfcll Intlgc I USD UnH Acc | 4 months ago | 230359 |
18. | NT R2000 Growth Index Fund - NL | 8 months ago | 218219 |
19. | SPDR® S&P Kensho New Economies Comps ETF | 4 months ago | 208733 |
20. | NT R2000 Index Fund - NL | 5 months ago | 206345 |
Institutions
Sr. No. | Name | Purchased On | Shares |
---|---|---|---|
1. | Vanguard Group Inc | 5 months ago | 7128975 |
2. | BlackRock Inc | 8 months ago | 5532383 |
3. | Goldman Sachs Group Inc | 8 months ago | 2417634 |
4. | Morgan Stanley - Brokerage Accounts | 8 months ago | 2132561 |
5. | D. E. Shaw & Co LP | 5 months ago | 2027470 |
6. | JANE STREET GROUP, LLC | 8 months ago | 1911771 |
7. | State Street Corporation | 8 months ago | 1835469 |
8. | Geode Capital Management, LLC | 8 months ago | 1603464 |
9. | Bank of Montreal | 8 months ago | 1392198 |
10. | BMO Capital Markets Corp. | 8 months ago | 1392198 |
11. | Bank of America Corp | 8 months ago | 1352341 |
12. | VOLORIDGE INVESTMENT MANAGEMENT, LLC | 5 months ago | 1018527 |
13. | Mirae Asset Global Investments (Korea) Co Ltd | 8 months ago | 1018354 |
14. | Coatue Management LLC | 5 months ago | 870947 |
15. | Northern Trust Corp | 8 months ago | 711831 |
16. | Charles Schwab Investment Management Inc | 5 months ago | 582602 |
17. | Fred Alger Management, LLC | 5 months ago | 507526 |
18. | NORGES BANK | 8 months ago | 465418 |
19. | Marshall Wace Asset Management Ltd | 5 months ago | 457103 |
20. | Barclays PLC | 8 months ago | 421575 |
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