Upstart Holdings, Inc. cash flow to debt ratio of -7.98% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Upstart Holdings, Inc.'s free cash flow has decreased 194.21% from $176.34M last year to $-166.13M, signaling decreasing performance

Upstart Holdings, Inc.'s debt to equity ratio is 2.54, which means that the company's assets are unhealthy financed, signaling financial risk.

Upstart Holdings, Inc.'s debt has increased relative to shareholder equity from 2.29 last year to 2.54 today, signaling weakened financials

Upstart Holdings, Inc. has a net debt to EBITDA ratio of 15.07x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Upstart Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Upstart Holdings, Inc.'s profit margin has increased (-127.49%) in the last year from -18.99% to 5.22%, signaling increasing performance

Upstart Holdings, Inc.'s short-term assets of $1.20B exceed its short-term liabilities of $401.02M

Upstart Holdings, Inc.'s return on assets of 1.90% is lower than the 5.00% threshold, indicating inefficient asset utilization

Upstart Holdings, Inc.'s return on equity of 7.85%, is lower than 15.00%, indicating bad performance

Upstart Holdings, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Upstart Holdings, Inc. had positive net income in only 2 out of 5 years, indicating unstable earnings

Upstart Holdings, Inc. has negative free cash flow, indicating the company is burning cash rather than generating it

Upstart Holdings, Inc. has negative free cash flow, indicating cash burn

Upstart Holdings, Inc.'s yearly earnings has increased -141.69% since last year from $-128.58M to $53.60M, signaling increasing performance

Upstart Holdings, Inc.'s yearly revenue has increased 66.00% since last year from $628.83M to $1.04B, signaling increasing performance

ROIC 1.56% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Upstart Holdings, Inc.'s 3-year revenue CAGR of 8.02% is positive, indicating growing revenue over the past 3 years

Upstart Holdings, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Upstart Holdings, Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

Upstart Holdings, Inc. has insufficient data to evaluate this check.

Upstart Holdings, Inc. has an earnings yield of 2.07%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

Upstart Holdings, Inc. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Upstart Holdings, Inc. has an EV/EBITDA ratio of 51.59x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Upstart Holdings, Inc. has insufficient data to evaluate this check.

Upstart Holdings, Inc. has a PEG-ratio over 1 which is considered overvalued

Upstart Holdings, Inc. has a price-to-book ratio of 3.66x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Upstart Holdings, Inc. has a price-to-sales ratio of 2.52x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue