Upstart Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Upstart Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 22% in 3 years; of every extra $100 of sales, $87 became extra profit. Higher than 90% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$87Sales grew 22% in 3 years; of every extra $100 of sales, $87 became extra profit.
Higher than 90% of Financial Services companies in United States.
Asset Productivity Ratio
+22% / +54%In 3 years sales changed by +22% while total assets changed by +54%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 56% of Financial Services companies in United States.
Tangible Net Worth Ratio
91%Of every $100 of net worth, $91 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 65% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Upstart Holdings, Inc. owes $0.75 for every $1 it owns. Upstart Holdings, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
47.7Investors pay $47.7 for every $1 of Upstart Holdings, Inc.'s yearly profit, higher than 94% of Financial Services companies in United States.
P/B ratio
2.91The share price is 2.91 times Upstart Holdings, Inc.'s book value per share, higher than 87% of Financial Services companies in United States.
Market cap
$2.3 BThe total market value of all of Upstart Holdings, Inc.'s shares at today's price (share price × number of shares), larger than 69% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$797 MWhat Upstart Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$8.20Net worth divided by the number of shares. The share price of $23.85 is 2.9 times this, which is the P/B above.
Return on equity (ROE)
7.9%Upstart Holdings, Inc. earned 7.9% on its shareholders' money over the last year, lower than 65% of Financial Services companies in United States.
Owes vs Owns
0.75×Upstart Holdings, Inc. owes $0.75 for every $1 it owns (moderate), lower than 57% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneUpstart Holdings, Inc. does not currently pay a dividend.
Revenue growth
+63%Revenue rose 63% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit growth
Back to profitUpstart Holdings, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
5.2%Upstart Holdings, Inc. keeps $5 of every $100 of revenue as net profit.
Questions
What is Upstart Holdings, Inc.'s P/E ratio?
Investors pay $47.7 for every $1 of Upstart Holdings, Inc.'s yearly profit, higher than 94% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Upstart Holdings, Inc.: $2.3 B ÷ $797 M (30 Jun 2026) = 2.9.
What is Upstart Holdings, Inc.'s return on equity?
Upstart Holdings, Inc. earned 7.9% on its shareholders' money over the last year, lower than 65% of Financial Services companies in United States.
How much does Upstart Holdings, Inc. owe compared with what it owns?
Upstart Holdings, Inc. owes $0.75 for every $1 it owns (moderate), lower than 57% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Upstart Holdings, Inc. pay a dividend?
No. Upstart Holdings, Inc. does not currently pay a dividend.
Is Upstart Holdings, Inc.'s revenue growing?
Revenue rose 63% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.