Upstart Holdings, Inc. (UPST) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for Upstart Holdings, Inc., with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 78.35x | -42.83x | -14.25x | -10.07x | 87.25x | 148.36x |
| P/B Ratio | 5.26x | 8.70x | 5.39x | 1.63x | 14.64x | 2.96x |
| P/S Ratio | 3.90x | 8.14x | 6.25x | 1.28x | 13.90x | 3.86x |
| Profitability | ||||||
| Gross Margin | 95.2% | 92.9% | 92.8% | 98.2% | 99.6% | 96.5% |
| Operating Margin | 5.1% | -19.0% | -43.8% | -12.8% | 15.7% | 2.6% |
| Net Margin | 5.0% | -19.0% | -43.8% | -12.7% | 15.9% | 2.6% |
| EBITDA Margin | 7.4% | -15.9% | -39.3% | -11.2% | 16.6% | 3.6% |
| Liquidity | ||||||
| Current Ratio | 2.99x | 2.36x | 0.98x | 1.25x | 7.77x | 3.74x |
| Quick Ratio | 2.99x | 2.36x | 0.98x | 1.25x | 7.77x | 3.74x |
| Leverage | ||||||
| Debt/Equity | 2.32x | 2.29x | 1.74x | 1.62x | 0.99x | 0.27x |
YoY = year-over-year change. Source: FMP..