Upstart Holdings Stock EBITDA

UPST Stock

USD 70.40 0.71 1.00%

Upstart Holdings fundamentals help investors to digest information that contributes to Upstart Holdings' financial success or failures. It also enables traders to predict the movement of Upstart Stock. The fundamental analysis module provides a way to measure Upstart Holdings' intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Upstart Holdings stock.

		Last Reported	Projected for Next Year
	EBITDA	-215.1 M	-204.4 M

EBITDA is likely to gain to about (204.4 M) in 2024.

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Upstart Holdings Company EBITDA Analysis

Upstart Holdings' EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It is a measure of a company operating cash flow based on data from the company income statement and is a very good way to compare companies within industries or across different sectors. However, unlike Operating Cash Flow, EBITDA does not include the effects of changes in working capital.

EBITDA

Revenue

-

Basic Expenses

More About EBITDA | All Equity Analysis

Current Upstart Holdings EBITDA

(215.12 M)

Most of Upstart Holdings' fundamental indicators, such as EBITDA, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Upstart Holdings is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Upstart EBITDA Driver Correlations

Understanding the fundamental principles of building solid financial models for Upstart Holdings is extremely important. It helps to project a fair market value of Upstart Stock properly, considering its historical fundamentals such as EBITDA. Since Upstart Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Upstart Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Upstart Holdings' interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Tangible Assets	Net Debt	Retained Earnings	Accounts Payable	Long Term Debt	Net Receivables	Total Liab	Net Invested Capital	Short Long Term Debt	Total Current Assets	Capital Stock	Short Term Debt	Common Stock	Property Plant Equipment	Intangible Assets	Short Term Investments	Long Term Debt Total	Capital Surpluse	Long Term Investments	Current Deferred Revenue
Total Assets		0.92	0.89	0.64	-0.23	0.66	0.97	0.6	0.9	0.98	0.75	0.97	0.83	0.75	0.83	0.79	0.98	0.81	0.81	-0.55	0.66	0.59
Total Stockholder Equity	0.92		0.97	0.48	-0.11	0.79	0.92	0.57	0.65	0.97	0.65	0.98	0.97	0.65	0.97	0.9	0.95	0.69	0.68	-0.49	0.56	0.49
Net Tangible Assets	0.89	0.97		0.61	-0.31	0.79	0.88	0.6	0.64	0.95	0.76	0.95	0.96	0.76	0.96	0.86	0.94	0.75	0.74	-0.69	0.68	0.61
Net Debt	0.64	0.48	0.61		-0.8	0.6	0.62	0.79	0.71	0.62	0.97	0.62	0.52	0.97	0.52	0.22	0.7	0.94	0.92	-0.88	0.88	0.79
Retained Earnings	-0.23	-0.11	-0.31	-0.8		-0.29	-0.11	-0.54	-0.32	-0.22	-0.72	-0.23	-0.25	-0.72	-0.25	0.1	-0.29	-0.65	-0.69	0.84	-0.87	-0.87
Accounts Payable	0.66	0.79	0.79	0.6	-0.29		0.75	0.8	0.39	0.78	0.74	0.78	0.88	0.74	0.88	0.51	0.78	0.78	0.74	-0.5	0.53	0.43
Long Term Debt	0.97	0.92	0.88	0.62	-0.11	0.75		0.64	0.83	0.97	0.74	0.96	0.84	0.74	0.84	0.77	0.97	0.8	0.76	-0.48	0.54	0.44
Net Receivables	0.6	0.57	0.6	0.79	-0.54	0.8	0.64		0.53	0.67	0.84	0.67	0.66	0.84	0.66	0.33	0.71	0.86	0.85	-0.59	0.71	0.63
Total Liab	0.9	0.65	0.64	0.71	-0.32	0.39	0.83	0.53		0.79	0.72	0.78	0.53	0.72	0.53	0.51	0.83	0.79	0.79	-0.51	0.65	0.6
Net Invested Capital	0.98	0.97	0.95	0.62	-0.22	0.78	0.97	0.67	0.79		0.76	1.0	0.93	0.76	0.93	0.84	0.99	0.81	0.8	-0.56	0.66	0.58
Short Long Term Debt	0.75	0.65	0.76	0.97	-0.72	0.74	0.74	0.84	0.72	0.76		0.76	0.69	1.0	0.69	0.4	0.82	0.97	0.95	-0.89	0.88	0.79
Total Current Assets	0.97	0.98	0.95	0.62	-0.23	0.78	0.96	0.67	0.78	1.0	0.76		0.94	0.76	0.94	0.84	0.99	0.81	0.8	-0.56	0.67	0.6
Capital Stock	0.83	0.97	0.96	0.52	-0.25	0.88	0.84	0.66	0.53	0.93	0.69	0.94		0.69	1.0	0.81	0.9	0.73	0.72	-0.55	0.63	0.57
Short Term Debt	0.75	0.65	0.76	0.97	-0.72	0.74	0.74	0.84	0.72	0.76	1.0	0.76	0.69		0.69	0.4	0.82	0.97	0.95	-0.89	0.88	0.79
Common Stock	0.83	0.97	0.96	0.52	-0.25	0.88	0.84	0.66	0.53	0.93	0.69	0.94	1.0	0.69		0.81	0.9	0.73	0.72	-0.55	0.63	0.57
Property Plant Equipment	0.79	0.9	0.86	0.22	0.1	0.51	0.77	0.33	0.51	0.84	0.4	0.84	0.81	0.4	0.81		0.79	0.4	0.4	-0.35	0.36	0.33
Intangible Assets	0.98	0.95	0.94	0.7	-0.29	0.78	0.97	0.71	0.83	0.99	0.82	0.99	0.9	0.82	0.9	0.79		0.86	0.85	-0.62	0.7	0.62
Short Term Investments	0.81	0.69	0.75	0.94	-0.65	0.78	0.8	0.86	0.79	0.81	0.97	0.81	0.73	0.97	0.73	0.4	0.86		0.99	-0.77	0.87	0.78
Long Term Debt Total	0.81	0.68	0.74	0.92	-0.69	0.74	0.76	0.85	0.79	0.8	0.95	0.8	0.72	0.95	0.72	0.4	0.85	0.99		-0.77	0.9	0.84
Capital Surpluse	-0.55	-0.49	-0.69	-0.88	0.84	-0.5	-0.48	-0.59	-0.51	-0.56	-0.89	-0.56	-0.55	-0.89	-0.55	-0.35	-0.62	-0.77	-0.77		-0.89	-0.84
Long Term Investments	0.66	0.56	0.68	0.88	-0.87	0.53	0.54	0.71	0.65	0.66	0.88	0.67	0.63	0.88	0.63	0.36	0.7	0.87	0.9	-0.89		0.99
Current Deferred Revenue	0.59	0.49	0.61	0.79	-0.87	0.43	0.44	0.63	0.6	0.58	0.79	0.6	0.57	0.79	0.57	0.33	0.62	0.78	0.84	-0.84	0.99

Click cells to compare fundamentals

In a nutshell, EBITDA is calculated by adding back each of the excluded items to the post-tax profit, and can be used to compare companies with very different capital structures.

Competition

Predict Upstart Holdings

Ebitda Over Time

Upstart Ebitda

Ebitda

(204.37 Million)

At this time, Upstart Holdings' EBITDA is comparatively stable compared to the past year.

According to the company disclosure, Upstart Holdings reported earnings before interest,tax, depreciation and amortization of (215.12 Million). This is 100.34% lower than that of the Consumer Finance sector and 110.34% lower than that of the Financials industry. The ebitda for all United States stocks is 105.52% higher than that of the company.

Upstart EBITDA Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Upstart Holdings' direct or indirect competition against its EBITDA to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Upstart Holdings could also be used in its relative valuation, which is a method of valuing Upstart Holdings by comparing valuation metrics of similar companies.

Upstart Holdings is currently under evaluation in ebitda category among its peers.

Upstart Holdings Current Valuation Drivers

We derive many important indicators used in calculating different scores of Upstart Holdings from analyzing Upstart Holdings' financial statements. These drivers represent accounts that assess Upstart Holdings' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Upstart Holdings' important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	2.2B	3.0B	11.8B	1.1B	3.4B	2.5B
Enterprise Value	2.3B	2.8B	11.6B	1.8B	4.3B	3.2B

Upstart Holdings ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Upstart Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Upstart Holdings' managers, analysts, and investors.

Environmental

Governance

Social

Upstart Holdings Institutional Holders

Institutional Holdings refers to the ownership stake in Upstart Holdings that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Upstart Holdings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Upstart Holdings' value.

		Shares
D. E. Shaw & Co Lp	2024-06-30	889.5 K
Coatue Management Llc	2024-06-30	870.9 K
Northern Trust Corp	2024-09-30	673.4 K
Charles Schwab Investment Management Inc	2024-09-30	642.9 K
Jane Street Group Llc	2024-06-30	501.2 K
Citadel Advisors Llc	2024-06-30	497.2 K
Fred Alger Management, Llc	2024-06-30	492.4 K
Bank Of Montreal	2024-06-30	447.7 K
Bmo Capital Markets Corp.	2024-06-30	447.7 K
Vanguard Group Inc	2024-09-30	7.4 M
Blackrock Inc	2024-06-30	5.7 M

Upstart Fundamentals

	Return On Equity	-0.27
	Return On Asset	-0.0553
	Profit Margin	(0.28) %
	Operating Margin	(0.20) %
	Current Valuation	7.11 B
	Shares Outstanding	91.23 M
	Shares Owned By Insiders	12.57 %
	Shares Owned By Institutions	56.30 %
	Number Of Shares Shorted	22.48 M
	Price To Earning	17.98 X
	Price To Book	10.94 X
	Price To Sales	10.77 X
	Revenue	513.56 M
	Gross Profit	665.29 M
	EBITDA	(215.12 M)
	Net Income	(240.13 M)
	Cash And Equivalents	683.97 M
	Cash Per Share	8.35 X
	Total Debt	1.23 B
	Debt To Equity	1.42 %
	Current Ratio	21.37 X
	Book Value Per Share	6.54 X
	Cash Flow From Operations	(160.49 M)
	Short Ratio	3.42 X
	Earnings Per Share	(1.91) X
	Price To Earnings To Growth	(20.31) X
	Target Price	51.21
	Number Of Employees	1.39 K
	Beta	1.98
	Market Capitalization	6.52 B
	Total Asset	2.02 B
	Retained Earnings	(282.58 M)
	Net Asset	2.02 B

About Upstart Holdings Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Upstart Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Upstart Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Upstart Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for Upstart Stock Analysis

When running Upstart Holdings' price analysis, check to measure Upstart Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.

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