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UPST
UPST Financials
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Overview
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UPST Key Indicators - Financial Ratios - Intellectia AI™
Summary
Key Indicators
Income Statement
Balance Sheet
Cash Flow
YoY
FY2025Q4
FY2025Q3
FY2025Q2
FY2025Q1
FY2024Q4
FY2024Q3
FY2024Q2
FY2024Q1
FY2023Q4
FY2023Q3
FY2023Q2
FY2023Q1
FY2022Q4
FY2022Q3
FY2022Q2
FY2022Q1
FY2021Q4
FY2021Q3
FY2021Q2
FY2021Q1
Valuation ratios
PE
87.70
--
125.21
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
-100%
--
-100%
--
-100%
--
-100%
33.27
-82.56%
65.67
-91.27%
105.87
-78.89%
383.44
--
190.75
--
752.16
--
EV/EBITDA
--
--
274.83
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
-100%
--
-100%
--
-100%
--
-100%
34.46
-91.11%
26.35
-81.74%
70.38
-84.43%
120.83
-60.17%
387.43
--
144.31
--
451.88
--
EV/FCF
2.98K
+6583.52%
707.44
+3207.34%
80.71
+655%
50.16
+286.14%
44.60
+65.06%
21.39
+17.46%
10.69
-95.23%
12.99
--
27.02
+139.54%
18.21
+47.09%
223.88
+1862.14%
--
-100%
11.28
-77.09%
12.38
-90.95%
11.41
--
27.92
--
49.24
+6.24%
136.73
--
--
--
--
--
P/FCF
2.59K
+6436.13%
591.38
+3167.29%
70.20
+741.73%
42.40
+332.65%
39.69
+78.06%
18.10
+21.31%
8.34
-95.58%
9.80
--
22.29
+187.61%
14.92
+25.59%
188.51
+1397.3%
--
-100%
7.75
-86.42%
11.88
-92.16%
12.59
--
31.53
--
57.07
+16.26%
151.52
--
--
--
--
--
PS
4.82
-45.96%
5.57
-5.11%
7.53
+109.75%
6.33
+61.07%
8.92
+45.99%
5.87
+40.1%
3.59
-27.18%
3.93
+113.59%
6.11
+388.8%
4.19
+134.08%
4.93
+79.27%
1.84
-82.39%
1.25
-93.01%
1.79
-96.2%
2.75
-88.05%
10.45
-70.62%
17.89
+37.93%
47.06
--
23.02
--
35.57
--
PB
5.37
-40.92%
6.64
+8.67%
8.61
+143.91%
6.47
+68.05%
9.09
+63.78%
6.11
+61.21%
3.53
-24.89%
3.85
+84.21%
5.55
+246.87%
3.79
+59.92%
4.70
+37.03%
2.09
-80.17%
1.60
-89.8%
2.37
-93.39%
3.43
-74.67%
10.54
-64.52%
15.68
+57.59%
35.88
--
13.54
--
29.71
--
Dividend Yield- %
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
FCF Yield- %
0.04
-98.41%
0.17
-96.92%
1.42
-88.16%
2.36
-76.86%
2.52
-43.88%
5.52
-17.61%
11.99
+2162.26%
10.20
-509.64%
4.49
-65.22%
6.70
-20.43%
0.53
-93.32%
-2.49
-178.55%
12.91
+637.71%
8.42
+1175.76%
7.94
--
3.17
--
1.75
-14.22%
0.66
--
--
--
--
--
PEG
0.65
--
1.04
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
-100%
--
-100%
--
-100%
--
-100%
0.74
+1750%
0.08
-98.65%
0.06
-83.78%
0.87
--
0.04
--
5.94
--
Profitability Ratios
Gross Profit Margin - %
80.45
+1.03%
82.03
+7.16%
82.03
+16.59%
78.16
+9.38%
79.63
+4.27%
76.55
+2.27%
70.36
-5.42%
71.46
+9.35%
76.37
+6%
74.85
-0.05%
74.39
-7.28%
65.35
-22.74%
72.05
-15.95%
74.89
-10.18%
80.23
-7.89%
84.58
-0.53%
85.72
+1.03%
83.38
-2.68%
87.10
+40.82%
85.03
-1.39%
EBITDA Margin - %
3.51
-136.56%
10.75
-152.52%
4.04
-111.99%
-14.01
-62.44%
-9.60
-43.26%
-20.47
+12.72%
-33.69
+143.07%
-37.30
-53.95%
-16.92
-37.17%
-18.16
+1.23%
-13.86
-2531.58%
-81.00
-713.64%
-26.93
-269.91%
-17.94
-396.04%
0.57
-96.63%
13.20
+23.36%
15.85
+52.84%
6.06
-69.03%
16.90
-127.02%
10.70
+540.72%
Operating Margin - %
1.07
-108.95%
8.54
-136.05%
1.77
-104.73%
-17.46
-57.85%
-11.96
-47.73%
-23.69
+9.88%
-37.39
+111.36%
-41.42
-52.61%
-22.88
-28.52%
-21.56
+7.48%
-17.69
+2290.54%
-87.40
-809.42%
-32.01
-314.11%
-20.06
-499.6%
-0.74
-104.67%
12.32
+23.2%
14.95
+55.73%
5.02
-73.13%
15.84
-124.14%
10.00
+1062.79%
FCF Margin - %
0.19
-99.15%
0.94
-97.1%
10.72
-75.06%
14.92
-62.81%
22.47
-17.96%
32.41
+15.34%
42.98
+1540.46%
40.12
-977.9%
27.39
+70.23%
28.10
+86.59%
2.62
-87.99%
-4.57
-113.79%
16.09
-48.66%
15.06
-51.51%
21.82
--
33.15
--
31.34
+18.62%
31.06
+74.49%
--
--
--
--
Net Margin - %
7.03
-609.42%
11.48
-384.86%
2.18
-105.22%
-1.32
-97.18%
-1.38
-95.03%
-4.03
-85.33%
-41.73
+112.91%
-46.79
-57.59%
-27.74
-21.9%
-27.47
-12.38%
-19.60
+69.55%
-110.34
-1159.94%
-35.52
-273.18%
-31.35
-326.52%
-11.56
-158.06%
10.41
+19.66%
20.51
+1581.15%
13.84
-6.42%
19.91
-156.56%
8.70
+461.29%
Financial Health Ratios
Current Ratio
6.21
-7.31%
9.70
+73.21%
7.41
+21.28%
8.03
+18.79%
6.70
+5.68%
5.60
-13.58%
6.11
-61.67%
6.76
-63.5%
6.34
-38.51%
6.48
-36.78%
15.94
+83.22%
18.52
+144.33%
10.31
+36.56%
10.25
+14.78%
8.70
+67.63%
7.58
+97.4%
7.55
+87.81%
8.93
+123.81%
5.19
--
3.84
--
Debt to Equity
228.98
+3.4%
249.52
+67.46%
197.85
+28.92%
197.28
+20.26%
221.44
+35.21%
149.00
-4.85%
153.47
+5.23%
164.05
+2.8%
163.77
+11.64%
156.59
+22.45%
145.84
+28.9%
159.58
+81.84%
146.69
+70.23%
127.88
+41.65%
113.14
+13210.59%
87.76
+571.46%
86.17
+313.09%
90.28
+3.4%
0.85
--
13.07
--
Interest Coverage Ratio
0.14
-104.52%
--
--
--
--
--
--
-3.10
-58.28%
--
--
--
--
--
--
-7.43
-30.1%
--
--
--
--
--
--
-10.63
-128.93%
--
-100%
--
-100%
--
-100%
36.74
+3982.22%
13.62
+188.56%
2.28K
-460.64%
645.50
--
Efficiency Ratios
ROE
7.49
-136.95%
4.81
-117.68%
-0.96
-97.07%
-10.30
-63.6%
-20.27
-44.8%
-27.21
-26.89%
-32.73
-15.1%
-28.30
-21.37%
-36.72
+149.97%
-37.22
-4933.77%
-38.55
-412.4%
-35.99
-236.33%
-14.69
-160.06%
0.77
-96.66%
12.34
--
26.40
--
24.46
--
23.08
--
--
--
--
--
ROIC
3.14
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
-100%
--
-100%
--
-100%
--
-100%
7.95
--
15.94
--
14.74
--
10.95
--
--
--
--
--
ROA
2.01
-134.24%
1.37
-115.52%
-0.30
-97.34%
-3.15
-66.35%
-5.87
-51.69%
-8.83
-31.66%
-11.26
-22.93%
-9.36
-34.13%
-12.15
+109.84%
-12.92
-4267.74%
-14.61
-326.86%
-14.21
-211.36%
-5.79
-149.11%
0.31
-96.17%
6.44
--
12.76
--
11.79
--
8.09
--
--
--
--
--
Payables Turnover
1.78
-21.93%
1.88
-12.96%
1.67
-28.02%
1.92
-25%
2.28
+33.33%
2.16
+11.92%
2.32
+24.73%
2.56
+40.66%
1.71
+1.79%
1.93
+3.21%
1.86
+17.72%
1.82
+31.88%
1.68
+23.53%
1.87
+44.96%
1.58
--
1.38
--
1.36
--
1.29
--
--
--
--
--
R&D % of Revenue
25.23
-25.2%
23.11
-40.32%
26.75
-40.26%
31.18
-31.77%
33.73
-9.79%
38.72
+3.42%
44.78
+10.98%
45.70
-51.36%
37.39
-9.14%
37.44
+1.46%
40.35
+82.74%
93.96
+490.2%
41.15
+154.33%
36.90
+109.42%
22.08
+31.59%
15.92
-2.57%
16.18
-3.46%
17.62
+15.54%
16.78
-62.02%
16.34
+48.95%
Dividend Payout Ratio - %
0.00
--
0.00
--
0.00
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
--
0.00
--
0.00
--
0.00
--
0.00
--
0.00
--
Growth Ratio
Total Revenue, YoY % Chg
33.09
+8.92%
65.35
+360.21%
97.11
-1160.15%
34.34
+92.27%
30.38
-1816.38%
14.20
-178.15%
-9.16
-79.36%
17.86
-128.49%
-1.77
-96.14%
-18.17
+23.02%
-44.38
-217.01%
-62.69
-136.82%
-45.86
-119.07%
-14.77
-106.65%
37.93
-96.13%
170.28
+108.86%
240.42
+588.49%
221.95
+592.08%
979.33
-2199.76%
81.53
-63.98%
EBITDA, YoY % Chg
148.65
+471.07%
186.84
-749.65%
123.61
-202.36%
49.52
+8.29%
26.03
-31.98%
-28.76
-267.4%
-120.76
-91.67%
45.73
-113.91%
38.27
-119.93%
17.18
-104.88%
-1.45K
+1420.52%
-328.86
-240.89%
-191.98
-145.65%
-352.26
+135384.62%
-95.34
-124.34%
233.41
-78.07%
420.55
+248.57%
-0.26
-100.05%
391.74
-164.19%
1.06K
+843.81%
EPS, YoY % Chg
753.13
+693.85%
462.01
+455.03%
108.85
-233.07%
96.50
+82.21%
94.87
+250.72%
83.24
+171.85%
-81.80
-1765.99%
52.96
-109.44%
27.05
-112.8%
30.62
-109.36%
4.91
-102.58%
-560.75
-367%
-211.29
-104.94%
-327.13
-357.32%
-190.60
-134.03%
210.02
-52.38%
4.27K
-5231.26%
127.13
-95.91%
560.14
-317.06%
440.99
+231.22%
