UPST Upstart Holdings, Inc. - Common stock

NASDAQ · Financial Services · SEC EDGAR'da Görüntüle ↗
$27,92
Fiyat · May 20, 2026
Temel veriler itibarıyla May 5, 2026

UPST Hisse Senedi Özeti Fiyat, piyasa değeri, P/E, EPS, ROE, borç/öz sermaye, 52 haftalık aralık

Fiyat
$27.92
Piyasa Değeri
$4.29B
P/E (TTM)
97.2
EPS (TTM)
$0.45
Gelir (TTM)
$1.04B
Temettü Verimi
ROE
7.0%
D/E Borç/Özsermaye
52 Haftlık Aralık
$24 – $87

UPST Hisse Senedi Fiyat Grafiği Teknik göstergeler ile günlük OHLCV — kaydır, yakınlaştır ve görünümünüzü özelleştirin

10 Yıllık Performans Gelir, net kar, marjlar ve EPS trendleri

Gelir ve Net Gelir $1.04B
7-point trend, +535.8%
2019-12-31 2025-12-31
Hisse Başına Kâr $0.45
7-point trend, +1600.0%
2019-12-31 2025-12-31
Serbest Nakit Akışı $-148M
5-point trend, -192.6%
2021-12-31 2025-12-31
Marjlar 5.1%

Değerleme P/E, P/S, P/B, EV/EBITDA oranları — hisse senedi pahalı mı ucuz mu?

Metrik
5 Yıllık trend
UPST
Akran Ortalaması
P/E (TTM)
5-point trend, -8.2%
97.2
12.0
P/S (TTM) (F/S (TTM))
5-point trend, -72.5%
4.1
2.1
P/B (F/D)
5-point trend, -65.8%
5.4
2.8
Price / FCF (Fiyat / Serbest Nakit Akışı)
5-point trend, -136.6%
-29.0

Kârlılık Brüt, faaliyet ve net kâr marjları; ROE, ROA, ROIC

Metrik
5 Yıllık trend
UPST
Akran Ortalaması
Operating Margin (Faaliyet Kâr Marjı)
5-point trend, -75.4%
4.1%
Net Profit Margin (Net Kâr Marjı)
5-point trend, -67.9%
5.1%
15.5%
ROA
5-point trend, -83.0%
2.0%
2.7%
ROE
5-point trend, -60.3%
7.0%
22.2%

Finansal Sağlık Borç, likidite, solventlik — bilanço gücü

Metrik
5 Yıllık trend
UPST
Akran Ortalaması

Büyüme Gelir, EPS ve net gelir büyümesi: YOY, 3 Yıllık CAGR, 5 Yıllık CAGR

Metrik
5 Yıllık trend
UPST
Akran Ortalaması
Revenue YoY (Gelir Yıllık Bazda)
5-point trend, +23.0%
64.0%
Revenue CAGR 3Y (Gelir 3 Yıllık Bileşik Büyüme Oranı)
5-point trend, +23.0%
7.4%
Revenue CAGR 5Y (Gelir 5 Yıllık Bileşik Büyüme Oranı)
5-point trend, +23.0%
34.9%

Hisse Başı Metrikler Hisse Başı Kâr, hisse başına defter değeri, hisse başına nakit akışı, hisse başına temettü

Metrik
5 Yıllık trend
UPST
Akran Ortalaması
EPS (Diluted) (Hisse Başına Kar (Seyreltilmiş))
5-point trend, -68.5%
$0.45

Sermaye Verimliliği Aktif devir hızı, stok devir hızı, alacak devir hızı

Metrik
5 Yıllık trend
UPST
Akran Ortalaması

UPST Analist Uzlaşması Boğa ve ayı analist görüşleri, 12 aylık fiyat hedefi, yukarı yönlü potansiyel

AL 21 analist
  • Güçlü Al 4 19,0%
  • Al 9 42,9%
  • Tut 7 33,3%
  • Sat 1 4,8%
  • Güçlü Sat 0 0,0%

12 Aylık Fiyat Hedefi

15 analist · 2026-05-14
Medyan hedef $37.00 +32,5%
Ortalama hedef $40.20 +44,0%

Kazanç Geçmişi EPS gerçekleşen vs tahmin, sürpriz %, kazanma oranı, bir sonraki kazanç tarihi

Ort. Sürpriz
0.03%
Dönem EPS Gerçek EPS Tahmin Sürpriz
31 Mart 2026 $0.30 $0.43 -0.13%
31 Aralık 2025 $0.46 $0.47 -0.01%
30 Eylül 2025 $0.52 $0.43 0.09%
30 Haziran 2025 $0.36 $0.26 0.10%
31 Mart 2025 $0.30 $0.18 0.12%

Eş Karşılaştırması Anahtar metrikler sektördeki benzerlerine karşı

Hisse Sembolü Piyasa Değeri P/E Gelir YoY Net Kar Marjı ROE Brüt Kar Marjı
UPST $4.29B 97.2 64.0% 5.1% 7.0%
NNI 11.3 21.1% 120.9% 12.2%
SLM $5.39B 7.8 7.3% 37.5% 30.9%
ENVA $3.89B 13.6 18.6% 9.8% 24.3% 58.1%
BFH $3.26B 6.8 12.8% 16.0%
DAVE
EZPW $1.16B 13.4 9.7% 8.6% 11.7% 58.6%
LC $2.19B 16.3 36.4% 9.3%
ECPG $1.18B 5.0 34.4% 14.5% 27.4%
PRG $2.42B 8.2 0.42% 6.1% 20.8%
ATLC

Tüm Temeller Tüm metrikler yıla göre — gelir tablosu, bilanço, nakit akışı

Gelir Tablosu 15
UPST için Yıllık Gelir Tablosu verileri
Metrik Eğilim 2025202420232022202120202019
Revenue 7-point trend, +535.8% $1.04B $637M $514M $842M $849M $233M $164M
R&D Expense 7-point trend, +1271.9% $258M $254M $280M $237M $134M $39M $19M
SG&A Expense 7-point trend, +696.3% $254M $231M $212M $185M $123M $46M $32M
Operating Expenses 7-point trend, +493.3% $1.00B $809M $770M $956M $708M $222M $169M
Operating Income 7-point trend, +1031.8% $43M $-173M $-257M $-114M $141M $12M $-5M
Interest Expense 5-point trend, +31.8% · · $35M $11M $3M $8M $26M
Interest Income 7-point trend, +222.6% $204M $186M $169M $106M $21M $26M $63M
Other Non-op 7-point trend, +2247.9% $24M $19M $21M $9M $-5M $6M $1M
Income Tax 7-point trend, +883.8% $728.0K $185.0K $107.0K $-409.0K $-2M $371.0K $74.0K
Net Income 7-point trend, +11602.4% $54M $-129M $-240M $-109M $135M $6M $-466.0K
EPS (Basic) 7-point trend, +1966.7% $0.56 $-1.44 $-2.87 $-1.31 $1.73 $0.00 $-0.03
EPS (Diluted) 7-point trend, +1600.0% $0.45 $-1.44 $-2.87 $-1.31 $1.43 $0.00 $-0.03
Shares (Basic) 7-point trend, +569.9% 96,030,558 89,450,038 83,765,896 82,771,268 78,106,359 17,513,670 14,335,611
Shares (Diluted) 7-point trend, +649.8% 107,492,735 89,450,038 83,765,896 82,771,268 94,772,641 17,513,670 14,335,611
EBITDA 5-point trend, -54.5% $67M $-152M $-232M $-100M $148M · ·
Bilanço 14
UPST için Yıllık Bilanço verileri
Metrik Eğilim 2025202420232022202120202019
Cash & Equivalents 6-point trend, +160.1% $652M $788M $368M $422M $987M $251M ·
PP&E (Net) 6-point trend, +340.3% $44M $39M $43M $44M $24M $10M ·
PP&E (Gross) 6-point trend, +793.3% $123M $94M $80M $61M $32M $14M ·
Accum. Depreciation 6-point trend, +2024.1% $78M $55M $37M $17M $8M $4M ·
Goodwill 6-point trend, +67062000.00 $67M $67M $67M $67M $67M $0 ·
Intangibles 6-point trend, +8289000.00 $8M $9M $11M $16M $20M $0 ·
Total Assets 6-point trend, +523.3% $2.97B $2.37B $2.02B $1.94B $1.82B $477M ·
Total Liabilities 6-point trend, +1129.4% $2.18B $1.73B $1.38B $1.26B $1.01B $177M ·
Common Stock 6-point trend, +42.9% $10.0K $9.0K $9.0K $8.0K $8.0K $7.0K ·
Paid-in Capital 6-point trend, +213.0% $1.16B $1.04B $918M $715M $741M $369M ·
Retained Earnings 6-point trend, -416.5% $-358M $-411M $-283M $-42M $66M $-69M ·
Stockholders' Equity 7-point trend, +1394.9% $799M $633M $635M $672M $807M $300M $-62M
Liabilities + Equity 6-point trend, +523.3% $2.97B $2.37B $2.02B $1.94B $1.82B $477M ·
Shares Outstanding 7-point trend, +573.2% 98,033,361 93,469,721 86,330,303 81,259,676 83,659,665 73,314,026 14,561,398
Nakit Akışı 14
UPST için Yıllık Nakit Akışı verileri
Metrik Eğilim 2025202420232022202120202019
D&A 7-point trend, +3108.7% $25M $21M $25M $14M $8M $2M $774.0K
Stock-based Comp 7-point trend, +3366.9% $132M $133M $175M $126M $73M $12M $4M
Deferred Tax 7-point trend, +0.00 $0 $0 $0 $-583.0K $-2M $0 $0
Other Non-cash 5-point trend, -680.6% $-358M $161M $-120M $-705M $-46M · ·
Operating Cash Flow 7-point trend, -567.8% $-148M $186M $-112M $-658M $168M $16M $32M
CapEx 7-point trend, -91.3% $347.0K $837.0K $2M $9M $8M $1M $4M
Investing Cash Flow 7-point trend, -490.0% $-177M $-238M $-118M $-114M $-144M $137M $45M
Stock Issued 5-point trend, +0.00 · · $0 $0 $264M $0 $0
Stock Repurchased 4-point trend, +0.00 · $0 $0 $178M $0 · ·
Net Stock Activity 4-point trend, -100.0% · $0 $0 $-178M $264M · ·
Financing Cash Flow 7-point trend, +440.3% $406M $560M $165M $113M $855M $79M $-119M
Net Change in Cash 7-point trend, +291.5% $81M $508M $-65M $-659M $880M $231M $-42M
Taxes Paid 5-point trend, -74.3% $590.0K $258.0K $-658.0K $328.0K $2M · ·
Free Cash Flow 5-point trend, -192.6% $-148M $185M $-162M $-684M $160M · ·
Kârlılık 5
UPST için Yıllık Kârlılık verileri
Metrik Eğilim 2025202420232022202120202019
Operating Margin 5-point trend, -75.4% 4.1% -27.2% -50.0% -13.5% 16.6% · ·
Net Margin 5-point trend, -67.9% 5.1% -20.2% -46.8% -12.9% 16.0% · ·
EBITDA Margin 5-point trend, -63.1% 6.5% -23.9% -45.1% -11.9% 17.5% · ·
ROA 5-point trend, -83.0% 2.0% -5.9% -12.2% -5.8% 11.8% · ·
ROE 5-point trend, -60.3% 7.0% -20.9% -37.6% -15.6% 17.8% · ·
Likidite ve Solventlik 1
UPST için Yıllık Likidite ve Solventlik verileri
Metrik Eğilim 2025202420232022202120202019
Interest Coverage 3-point trend, -117.1% · · -7.4 -10.5 43.0 · ·
Verimlilik 1
UPST için Yıllık Verimlilik verileri
Metrik Eğilim 2025202420232022202120202019
Asset Turnover 5-point trend, -47.1% 0.4 0.3 0.3 0.4 0.7 · ·
Hisse Başına 5
UPST için Yıllık Hisse Başına verileri
Metrik Eğilim 2025202420232022202120202019
Book Value / Share 5-point trend, -15.5% $8.15 $6.77 $7.36 $8.28 $9.65 · ·
Revenue / Share 5-point trend, +8.5% $9.71 $7.12 $6.13 $10.18 $8.95 · ·
Cash Flow / Share 5-point trend, -177.4% $-1.37 $2.08 $-1.92 $-8.15 $1.78 · ·
Cash / Share 5-point trend, -43.6% $6.65 $8.44 $4.27 $5.20 $11.79 · ·
EPS (TTM) 6-point trend, +0.45 $0.45 $-1.44 $-2.87 $-1.31 $1.43 $0.00 ·
Büyüme Oranları 5
UPST için Yıllık Büyüme Oranları verileri
Metrik Eğilim 2025202420232022202120202019
Revenue YoY 5-point trend, -75.7% 64.0% 23.9% -39.0% -0.72% 263.6% · ·
Revenue CAGR 3Y 3-point trend, -75.3% 7.4% -9.1% 30.1% · · · ·
Revenue CAGR 5Y 34.9% · · · · · ·
Net Income YoY · · · · 2163.8% · ·
Net Income CAGR 5Y 55.0% · · · · · ·
Değerleme (TTM) 10
UPST için Yıllık Değerleme (TTM) verileri
Metrik Eğilim 2025202420232022202120202019
Revenue TTM 6-point trend, +347.2% $1.04B $637M $514M $842M $849M $233M ·
Net Income TTM 6-point trend, +795.9% $54M $-129M $-240M $-109M $135M $6M ·
Market Cap 5-point trend, -66.1% $4.29B $5.75B $3.53B $1.07B $12.66B · ·
P/E 5-point trend, -8.2% 97.2 -42.8 -14.2 -10.1 105.8 · ·
P/S 5-point trend, -72.5% 4.1 9.0 6.9 1.3 14.9 · ·
P/B 5-point trend, -65.8% 5.4 9.1 5.6 1.6 15.7 · ·
P / Tangible Book 5-point trend, -66.3% 5.9 10.3 6.3 1.8 17.6 · ·
P / Cash Flow 5-point trend, -138.6% -29.0 30.9 -22.0 -1.6 75.2 · ·
P / FCF 5-point trend, -136.6% -29.0 31.0 -21.8 -1.6 79.1 · ·
Earnings Yield 6-point trend, +0.01 1.0% -2.3% -7.0% -9.9% 0.95% 0.00% ·

Finansal Tablolar Gelir tablosu, bilanço, nakit akışı — yıllık, son 5 yıl

Gelir Tablosu
2025-12-312024-12-312023-12-312022-12-312021-12-31
Gelir $1.04B$637M$514M$842M$849M
Faaliyet Kâr Marjı % 4.1%-27.2%-50.0%-13.5%16.6%
Net Gelir $54M$-129M$-240M$-109M$135M
Seyreltilmiş Hisse Başı Kâr $0.45$-1.44$-2.87$-1.31$1.43
Nakit Akışı
2025-12-312024-12-312023-12-312022-12-312021-12-31
Serbest Nakit Akışı $-148M$185M$-162M$-684M$160M

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