Stocktoria
Upstart Holdings, Inc. UPST
Nasdaq · XNAS · stock · Finance Services · website · IPO 2020-12-16
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
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Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $1.0B | $636.5M | $513.6M | $842.4M | $848.6M |
| Operating income | $42.6M | -$172.9M | -$256.5M | -$113.9M | $140.9M |
| Net income | $53.6M | -$128.6M | -$240.1M | -$108.7M | $135.4M |
| Operating cash flow | -$147.7M | $186.3M | -$111.7M | -$657.9M | $168.4M |
| Free cash flow | -$148.1M | $185.5M | -$113.2M | -$666.7M | $159.9M |
| Total assets | $3.0B | $2.4B | $2.0B | $1.9B | $1.8B |
| Total liabilities | $2.2B | $1.7B | $1.4B | $1.3B | $1.0B |
| Shareholders' equity | $798.8M | $633.2M | $635.3M | $672.4M | $807.1M |
| Ratios | |||||
| Operating margin | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% |
| Net margin | 5.1% | -20.2% | -46.8% | -12.9% | 16.0% |
| FCF margin | -14.2% | 29.1% | -22.0% | -79.1% | 18.8% |
| Return on assets | 1.8% | -5.4% | -11.9% | -5.6% | 7.4% |
| Return on equity | 6.7% | -20.3% | -37.8% | -16.2% | 16.8% |
| Revenue growth | 64.0% | 23.9% | -39.0% | -0.7% | 271.2% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 889,860 | $22.8M |
| COATUE MANAGEMENT LLC | 870,947 | $22.3M |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001647639 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.