Revenue (FY 2025)
↓-17.5% YoY
$8.98M
3-Yr CAGR: -13.9%
Net Income
↑141.7% YoY
$53.60M
Net Margin: 597.0%
Free Cash Flow
↓-179.8% YoY
-$148.07M
FCF Yield: -6.16%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
6.7%
ROA: 1.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (UPST)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Div / Sh | Div Yield | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY 2017 | $98.3M | — | $33.1M | $0.0M | — | — | — | — | — | $3.8M | $3.1M | — |
| FY 2018 | $115.9M | +18.0% | $32.3M | $0.0M | -30.0% | — | — | — | — | $-26.1M | $-26.3M | -947.7% |
| FY 2019 | $65.6M | -43.4% | $24.2M | $-0.5M | -332,857,242.9% | — | — | — | — | $31.6M | $27.6M | +204.7% |
| FY 2020 | $24.3M | -63.0% | $3.5M | $6.0M | +1,383.9% | — | — | — | 0.00% | $15.7M | $14.3M | -48.0% |
| FY 2021 | $15.9M | -34.5% | $-1.1M | $135.4M | +2,163.8% | — | — | — | 0.00% | $168.4M | $159.9M | +1,015.1% |
| FY 2022 | $14.1M | -11.7% | $2.7M | $-108.7M | -180.2% | — | — | — | 0.00% | $-674.7M | $-683.5M | -527.4% |
| FY 2023 | $15.8M | +12.1% | $4.4M | $-240.1M | -121.0% | — | — | — | 0.00% | $-160.5M | $-162.0M | +76.3% |
| FY 2024 | $10.9M | -30.9% | $2.9M | $-128.6M | +46.5% | — | — | — | 0.00% | $186.3M | $185.5M | +214.5% |
| FY 2025 | $9.0M | -17.5% | $1.1M | $53.6M | +141.7% | — | — | — | 0.00% | $-147.7M | $-148.1M | -179.8% |
Valuation
Market Price
$25.11
Market Cap
$2.40B
Enterprise Value
$1.75B
P/E Ratio
N/A
P/B Ratio
3.01
FCF Yield
-6.16%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
11.71%
Operating Margin
474.84%
Net Margin
597.03%
Return on Equity (ROE)
6.71%
Return on Assets (ROA)
1.80%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
-13.87%
Financial Health & Liquidity
Current Ratio
4.94
Cash Ratio
814.47
Debt / Equity
0.000
Debt / Assets
0.000
Cash & Equivalents
$652.39M
Total Debt
N/A
Book Value / Share
$8.35
Cash Flow Efficiency
Operating Cash Flow
-$147.72M
Capital Expenditures (CapEx)
$347.00K
Free Cash Flow
-$148.07M
OCF / Revenue
-1,645.41%
FCF / Revenue
-1,649.28%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$8.35
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$2.97B
Total Liabilities
$2.18B
Stockholders' Equity
$798.82M
Current Assets
$3.96M
Current Liabilities
$801.00K