UPST (UPST)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$3.67B
EV / Sales3.16
EV / EBITDA49.96
EV / Operating Cash Flow-13.73
EV / Free Cash Flow-12.81

Return Metrics (TTM)

Return on Equity (ROE)6.59%
Return on Assets (ROA)1.67%
Return on Invested Capital (ROIC)1.77%
Return on Capital Employed (ROCE)1.80%

Yield Metrics

Earnings Yield1.86%
Free Cash Flow Yield-10.92%

Balance Sheet Strength

Net Debt / EBITDA14.24
Current Ratio4.03
Working Capital$700.51M
Tangible Asset Value$658.11M
Net Current Asset Value-$1.30B

Working Capital Efficiency

Days Sales Outstanding0.00
Days Payables Outstanding164.62
Operating Cycle (Days)0.00
Cash Conversion Cycle-164.62

Capital Allocation

CapEx / Revenue1.65%
CapEx / Operating Cash Flow-7.19%
R&D / Revenue6.89%
SG&A / Revenue65.68%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin95.21%
Operating Margin5.05%
Net Profit Margin4.98%

Solvency

Debt / Equity2.32
Quick Ratio2.99
Cash Ratio1.64

Per Share

Revenue / Share$11.20
FCF / Share-$1.73
PE Ratio78.09