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IČ: 19940963

5. května 521, 501 01 Turnov
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Všechna práva vyhrazena @ 2024, Fundamenty.cz
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Upstart Holdings, Inc.
Upstart Holdings, Inc.
UPST
Valuace
0
Růst
0
Zdraví
51
Cena
$ 39.20
Dnes
+0.21 (0.44%)
Souhrn
Výkazy
Ukazatele
Profil
Držitelé
Návštěvnost webu
Konkurence
Zprávy společnosti
Kapitalizace
3.8B
Obrat
1B
Zisk
0B
Aktiva
3B
Dluh
2B
ROE
0%
ROA
0%
PE
54
PS
3
Cena 1R
31-96
⌀ Cena
54.88
Dividenda
0.0(0.0%)
Čtvrtletní 10-Q
10-Q
Celoroční 10-K
8-K
Nadcházející oznámení zisků
10-02-2026
Poslední dividenda

Profil

Společnost Upstart Holdings, Inc. spolu se svými dceřinými společnostmi provozuje úvěrovou platformu založenou na cloudové umělé inteligenci (AI) ve Spojených státech. Její platforma agreguje poptávku spotřebitelů po úvěrech a připojuje ji k síti bankovních partnerů společnosti s AI. Společnost byla založena v roce 2012 a sídlí v San Mateo v Kalifornii.
Sektor
Financial Services
Odvětví
Financial - Credit Services
Počet zaměstnanců
1193
Založení
2020-12-16
Adresa
2950 South Delaware Street
CEO
David J. Girouard
Web
www.upstart.com

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Zahraniční články

Výsledovka

Rozvaha

Peněžní toky

Výsledovka

Výsledovka
Rozvaha
Peněžní toky
V miliónech (USD)
Revenue TTM 202520242023202220212020201920182017
Total Revenues1,075.51,075.5677.0513.6853.3846.6222.1162.895.655.6
Cost of Revenues51.551.548.124.9188.00.011.40.0-0.5-0.3
Gross Profit1,024.01,024.0628.8488.7665.3846.6210.7162.896.156.0
Revenue 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Total Revenues304.2285.9265.1220.4226.4173.0139.1138.5140.3134.6
Cost of Revenues28.08.87.87.015.110.811.510.79.14.9
Gross Profit276.2277.1257.3213.4211.3162.1127.6127.8131.2129.6
Operating Income TTM 202520242023202220212020201920182017
R&D Expenses0.00.00.0280.1237.2134.038.80.00.00.0
Selling General & Admin Expenses0.00.00.0339.5531.1573.7182.8150.098.959.5
Depreciation & Amortization24.824.820.524.913.57.52.30.80.30.1
Total Operating Expenses969.7969.7757.2770.1773.0568.5188.4151.0-81.959.8
Operating Income54.354.3-128.4-256.5-103.0133.76.4-0.414.21.7
Operating Income TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
R&D Expenses0.00.00.00.00.00.00.00.057.254.9
Selling General & Admin Expenses0.00.00.00.00.00.00.00.0121.6118.5
Depreciation & Amortization6.56.15.86.44.75.44.85.69.14.9
Total Operating Expenses257.1245.2251.6215.8213.9168.9182.1192.4178.7173.5
Operating Income19.231.95.7-2.4-2.6-6.7-54.5-64.6-47.5-43.8
Net Income TTM 202520242023202220212020201920182017
Interest Income204.2204.2186.4169.0105.647.34.863.376.721.1
Interest Expense51.551.548.134.910.83.38.026.526.59.4
Other Expense0.00.00.016.5-6.1-7.2-0.4-4.6-25.4-10.6
IBT54.354.3-128.4-240.0-109.1133.76.0-4.9-11.2-8.9
Income Tax Expense0.70.70.20.10.4-1.70.40.11.10.0
Net Income53.653.6-128.6-240.1-108.7135.46.0-5.0-12.3-7.7
Net Income TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Interest Income60.857.245.640.641.540.852.951.252.137.7
Interest Expense28.08.87.87.015.110.811.510.714.19.4
Other Expense0.00.00.00.00.00.00.00.05.23.5
IBT19.231.95.7-2.4-2.6-6.7-54.5-64.6-42.3-40.3
Income Tax Expense0.50.10.00.00.10.00.00.00.10.0
Net Income18.631.85.6-2.4-2.8-6.8-54.5-64.6-42.4-40.3
Per Share Data TTM 202520242023202220212020201920182017
EPS$0.00$0.00$0.00$-2.87$-1.31$1.73$0.34$-0.35$-0.87$-0.12
EPS Diluted$0.00$0.00$0.00$-2.87$-1.31$1.43$0.34$-0.35$-0.87$-0.11
Shares Outstanding97.696.089.583.882.878.117.514.314.162.2
Diluted Shares Outstanding112.2107.589.583.882.894.817.514.314.171.5
Per Share Data TTM 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
EPS$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$-0.50$-0.48
EPS Diluted$0.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$-0.50$-0.48
Shares Outstanding97.696.795.594.392.290.188.487.085.684.4
Diluted Shares Outstanding112.2109.7102.994.392.290.188.487.085.684.4
Current Assets TTM 2024202320222021202020192018
Cash And Equivalents374.8793.6368.4422.4986.6250.850.874.3
Short Term Investments0.00.041.341.30.00.00.00.0
Total Cash & ST Investments374.8793.6368.4463.7986.6250.850.874.3
Accounts Receivable0.0126.60.052.88.319.142.410.8
Inventory0.00.00.00.00.00.00.00.0
Other Current Assets1,018.128.81,270.60.00.00.00.00.0
Total Current Assets1,392.9949.01,639.0463.7994.9269.993.385.1
Current Assets 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Cash And Equivalents836.9400.6605.4793.6450.2379.7307.0368.4516.6443.7
Short Term Investments0.00.00.00.00.00.00.00.00.00.0
Total Cash & ST Investments836.9400.6605.4793.6450.2379.7307.0368.4516.6443.7
Accounts Receivable0.0206.8144.3126.687.960.054.00.00.00.0
Inventory0.00.00.00.00.00.00.00.00.00.0
Other Current Assets0.027.028.128.819.518.123.01,270.61,073.6907.7
Total Current Assets836.9634.4777.8949.0557.7457.8384.01,639.01,590.21,351.4
Long-Term Assets TTM 2024202320222021202020192018
Net Property, Plant & Equipment59.182.566.0130.5120.428.322.21.5
Goodwill67.167.167.167.167.10.00.00.0
Intangible Assets39.89.411.415.619.90.00.00.0
Long-Term Investments46.4849.46.041.340.00.00.00.0
Other Long-Term Assets215.0409.6227.6-41.3-247.3-28.3-22.2-1.5
Total Long-Term Assets427.31,418.0378.1213.2247.328.322.21.5
Total Assets1,820.22,367.02,017.11,936.11,820.5477.3393.5645.9
Long-Term Assets 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Net Property, Plant & Equipment78.981.683.082.584.688.992.566.092.996.7
Goodwill67.167.167.167.167.167.167.167.167.167.1
Intangible Assets8.68.99.19.49.710.010.342.744.830.7
Long-Term Investments1,860.21,061.2857.1849.4699.5867.01,128.147.251.041.3
Other Long-Term Assets53.3624.8502.3409.6390.4329.5245.8155.1155.7176.7
Total Long-Term Assets2,067.91,843.51,518.51,418.01,251.31,362.41,543.7378.1411.6412.3
Total Assets2,904.82,477.92,296.32,367.01,809.01,820.21,927.72,017.12,001.81,763.7
Current Liabilities TTM 2024202320222021202020192018
Accounts Payable13.912.412.618.76.613.86.62.9
Short-Term Debt0.0195.60.0336.548.040.584.649.3
Other Current Liabilities56.6102.3126.8-235.7-54.6-54.3-91.2394.2
Current Liabilities70.5310.3139.4119.554.654.391.2446.4
Current Liabilities 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Accounts Payable11.828.813.312.422.613.910.012.67.06.9
Short-Term Debt3.9189.5127.0195.6170.1258.2351.50.00.0296.2
Other Current Liabilities170.374.551.2102.366.743.735.40.00.0-235.0
Current Liabilities185.9292.8191.5310.3259.4315.7396.992.158.468.2
Long-Term Liabilities TTM 2024202320222021202020192018
Long-Term Debt1,075.31,256.81,229.21,087.2795.882.151.178.9
Capital Leases56.450.362.3100.8100.419.417.10.0
Def. Tax Liability0.00.00.00.00.00.00.00.0
Total Liabilities1,225.51,733.71,381.81,263.61,013.4177.0455.2700.6
Long-Term Liabilities 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Long-Term Debt1,947.61,282.81,255.01,256.8770.6710.9713.11,229.21,246.71,026.9
Capital Leases0.043.847.150.353.356.459.462.393.496.2
Def. Tax Liability0.00.00.00.00.00.00.00.00.00.0
Total Liabilities2,161.11,755.91,619.61,733.71,213.41,225.51,314.91,381.81,361.01,125.6
Total Common Equity TTM 2024202320222021202020192018
Common Stock0.00.00.00.00.00.00.00.0
Retained Earnings-401.6-411.2-282.6-42.466.2-69.2-75.2-75.1
Comprehensive Income0.00.00.00.00.0-477.30.0-0.6
Total Common Equity594.7633.2635.3672.4807.1300.3-62.7-66.7
Total Common Equity 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Common Stock0.00.00.00.00.00.00.00.00.00.0
Retained Earnings-376.2-408.0-413.6-411.2-408.4-401.6-347.2-282.6-240.2-199.9
Comprehensive Income0.00.00.00.00.00.00.00.00.00.0
Total Common Equity743.7722.0676.6633.2595.5594.7612.8635.3640.8638.1
Other TTM 2024202320222021202020192018
Total Debt1,075.31,452.41,229.21,423.6795.882.1135.7128.2
Book Value594.7633.2635.3672.4807.1300.3-61.7-54.7
Other 3-20252-20251-20254-20243-20242-20241-20244-20233-20232-2023
Total Debt0.00.00.00.00.00.00.00.00.00.0
Book Value743.7722.0676.6633.2595.5594.7612.8635.3640.8638.1
Cash Flow From Operating Activities TTM 202520242023202220212020201920182017
Net Income-201.853.6-128.6-240.1-108.7135.45.6-5.0-11.2-8.9
Depreciation & Amortization24.524.820.524.913.57.52.30.80.30.1
Stock-Based Compensation138.3132.0133.4175.0125.973.211.53.82.01.3
Change Working Capital-156.426.661.5-334.5-21.955.218.30.013.921.1
Change In Accounts Receivable0.00.00.00.00.00.00.00.00.00.0
Change In Accounts Payable5.70.00.0-6.111.9-7.57.03.61.10.9
Change In Inventories0.00.00.00.00.00.00.00.00.00.0
Other Non-cash Items104.3-384.899.5214.2-683.6-102.8-51.00.93.02.0
Cash from Operations-129.20.00.0-160.5-674.7168.415.731.650.310.4
Cash Flow From Operating Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Net Income18.631.85.6-2.4-2.8-6.8-54.5-64.6-42.4-40.3
Depreciation & Amortization6.56.15.86.44.75.44.85.69.14.9
Stock-Based Compensation32.534.235.529.80.033.60.00.032.835.6
Change Working Capital44.7-14.038.6-42.7-131.1140.731.212.4-222.614.3
Change In Accounts Receivable0.00.00.00.00.00.00.00.00.00.0
Change In Accounts Payable0.00.00.00.00.00.00.00.05.60.1
Change In Inventories0.00.00.00.00.00.00.00.00.00.0
Other Non-cash Items6.3-180.8-205.7-4.618.26.483.791.079.3-170.6
Cash from Operations0.00.00.00.00.00.00.00.0-143.7-103.4
Cash Flow From Investing Activities TTM 202520242023202220212020201920182017
Capital Expenditure-8.7-0.3-0.8-1.5-22.9-15.1-5.6-5.3-1.0-0.8
Acquisitions-92.00.00.00.0-16.8-16.8-87.732.90.00.0
Investments-159.90.0-63.3-157.2-1.3-40.0-9.7-0.50.00.0
Sales of Investment113.20.00.0103.414.3-90.297.38.81.20.0
Other Investing Activities-20.30.00.0-63.1-87.518.1142.19.6-137.4-392.6
Cash from Investing-167.80.00.0-118.5-114.1-143.9136.545.4-137.2-393.4
Cash Flow From Investing Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Capital Expenditure-0.2-0.1-0.1-6.2-3.43.2-2.3-1.7-1.7-2.9
Acquisitions0.00.00.00.04.661.5-43.4-18.1-17.4-13.1
Investments0.00.00.00.0-126.5-85.6-64.8-46.2-35.9-13.1
Sales of Investment0.00.00.00.045.50.033.027.224.328.7
Other Investing Activities0.00.00.00.00.00.00.00.00.8-23.8
Cash from Investing0.00.00.00.00.00.00.00.0-29.9-24.2
Cash Flow From Financing Activities TTM 202520242023202220212020201920182017
Debt Repaid-413.30.00.0193.0-400.9-71.3-174.2-309.3-341.2-174.0
Debt Issued478.71,452.4223.2-1.51,028.7785.1120.6316.8469.4174.0
Issuance of Common Stock172.60.00.0178.20.0263.9159.50.00.00.0
Repurchase of Common Stock0.00.00.00.0-177.90.00.0-0.70.00.0
Dividends Paid0.00.00.00.00.00.00.00.00.00.0
Other Financing Activities26.60.00.021.3708.8662.893.8190.8477.0586.8
Cash from Financing347.70.00.0214.3130.0855.479.1-119.2135.8412.7
Cash Flow From Financing Activities 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Debt Repaid0.00.00.00.00.00.00.00.023.0227.3
Debt Issued1,951.5479.290.4-70.5511.7-28.4-95.5-164.65.5464.1
Issuance of Common Stock0.00.00.00.00.00.00.00.0160.35.5
Repurchase of Common Stock0.00.00.00.00.00.00.00.00.00.0
Dividends Paid0.00.00.00.00.00.00.00.00.00.0
Other Financing Activities0.00.00.00.00.00.00.00.03.45.5
Cash from Financing0.00.00.00.00.00.00.00.026.4232.8
Cash position TTM 202520242023202220212020201920182017
Net Change in Cash50.780.7508.5-64.7-658.8879.9231.3-42.248.929.7
Closing Cash Balance560.61,057.0976.3467.8532.51,191.2311.380.1122.273.4
Cash position 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Net Change in Cash220.1135.4-138.1-136.7320.595.1121.5-28.6-147.2105.1
Closing Cash Balance1,057.0836.9701.5839.5976.3655.8560.6439.2467.8615.0
Free Cash Flow TTM 202520242023202220212020201920182017
Free Cash Flow-137.9-166.1185.5-172.6-697.6153.210.126.349.39.6
Real Free Cash Flow-276.2-298.152.1-347.6-823.580.1-1.422.547.28.3
Free Cash Flow 4-20253-20252-20251-20254-20243-20242-20241-20244-20233-2023
Free Cash Flow104.6-126.6-124.5-19.6-110.9179.265.343.7-145.4-106.4
Real Free Cash Flow72.2-160.7-160.0-49.5-110.9145.665.343.7-178.1-141.9
Nacenění
Finance
Efektivita
Marže
Dividenda
Ostatní

Nacenění

Ukazatel Aktuální Historické Konkurence
P/E54.44954.4
P/S2.711.156.2
P/B3.99.41340.7
P/FCF-9.8-27.7398.1
Market cap$3.8$4.4
P/E (Price to Earnings Ratio) – Poměr ceny akcie k zisku za posledních 12 měsíců. Říká, kolik korun investor zaplatí za 1 korunu zisku. Např.: P/E = 15 znamená, že pokud akcie stojí 15 Kč, firma vydělala 1 Kč za poslední rok.

Finance

Ukazatel Aktuální Historické Srovnání
Debt to Assets0 %44.2 %0 %
Debt to Income3640.8 %263.1 %0 %
Debt to Free cash flow-654.7 %20.9 %0 %
Interest expense percentage94.9 %24 %121.4 %
Current ratio4.5 24.4 0

Efektivita

Ukazatel Aktuální Historické Srovnání
ROE7.2 %-10.2 %0 %
ROA1.8 %-2.2 %0 %
CapEx to Revenue0.6 %2.3 %0 %
RaD to Revenue0 %23.5 %0 %
ROEM901,526.4 275772.3

Marže

Ukazatel Aktuální Historické Srovnání
Gross margin95.2 %97.1 %56.9 %
Operating margin5.1 %-9 %37.6 %
Net margin5 %-9.1 %26.4 %

Dividenda

Ukazatel Aktuální Historické Srovnání
Dividend yield0 %0 %0 %
Dividend payout percentage0 %0 %0 %
Dividend yield (Dividendový výnos) ukazuje aktuální procentuální výnos z dividend vůči ceně akcie.

Ostatní

Ukazatel Aktuální Historické
Shares outstanding112.2 mil 79.6 mil
Employee count1.2 tis 1.3 tis

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