Upstart Holdings Inc
NASDAQ:UPST

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Upstart Holdings Inc
NASDAQ:UPST
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Price: 68.07 USD -5.5% Market Closed
Market Cap: 6.2B USD
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Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Upstart Holdings Inc

Revenue
557.9m USD
Cost of Revenue
-153.5m USD
Gross Profit
404.4m USD
Operating Expenses
-620m USD
Operating Income
-215.6m USD
Other Expenses
47.4m USD
Net Income
-168.2m USD

Margins Comparison
Upstart Holdings Inc Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
US
Upstart Holdings Inc
NASDAQ:UPST
6.2B USD
72%
-39%
-30%
US
American Express Co
NYSE:AXP
211.9B USD
63%
17%
14%
US
Capital One Financial Corp
NYSE:COF
68.9B USD
0%
0%
11%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR
61%
43%
25%
US
Discover Financial Services
NYSE:DFS
43.9B USD
0%
0%
18%
US
Synchrony Financial
NYSE:SYF
25.7B USD
0%
0%
16%
KZ
Kaspi.kz AO
NASDAQ:KSPI
18.4B USD
0%
0%
55%
US
SoFi Technologies Inc
NASDAQ:SOFI
17.4B USD
0%
0%
7%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
56%
39%
21%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
74%
52%
40%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1T INR
51%
29%
17%
Country US
Market Cap 6.2B USD
Gross Margin
72%
Operating Margin
-39%
Net Margin
-30%
Country US
Market Cap 211.9B USD
Gross Margin
63%
Operating Margin
17%
Net Margin
14%
Country US
Market Cap 68.9B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
11%
Country IN
Market Cap 4.3T INR
Gross Margin
61%
Operating Margin
43%
Net Margin
25%
Country US
Market Cap 43.9B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
18%
Country US
Market Cap 25.7B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
16%
Country KZ
Market Cap 18.4B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
55%
Country US
Market Cap 17.4B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
7%
Country IN
Market Cap 1.1T INR
Gross Margin
56%
Operating Margin
39%
Net Margin
21%
Country US
Market Cap 11.3B EUR
Gross Margin
74%
Operating Margin
52%
Net Margin
40%
Country IN
Market Cap 1T INR
Gross Margin
51%
Operating Margin
29%
Net Margin
17%
No Stocks Found

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Upstart Holdings Inc Competitors

Country Company Market Cap ROE ROA ROCE ROIC
US
Upstart Holdings Inc
NASDAQ:UPST
6.2B USD
-27%
-9%
-14%
-16%
US
American Express Co
NYSE:AXP
211.9B USD
34%
4%
11%
5%
US
Capital One Financial Corp
NYSE:COF
68.9B USD
7%
1%
0%
0%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR
21%
4%
9%
5%
US
Discover Financial Services
NYSE:DFS
43.9B USD
24%
3%
0%
0%
US
Synchrony Financial
NYSE:SYF
25.7B USD
21%
3%
0%
0%
KZ
Kaspi.kz AO
NASDAQ:KSPI
18.4B USD
83%
14%
0%
0%
US
SoFi Technologies Inc
NASDAQ:SOFI
17.4B USD
3%
1%
0%
0%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
16%
3%
7%
5%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
47%
6%
8%
6%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1T INR
22%
3%
5%
3%
Country US
Market Cap 6.2B USD
ROE
-27%
ROA
-9%
ROCE
-14%
ROIC
-16%
Country US
Market Cap 211.9B USD
ROE
34%
ROA
4%
ROCE
11%
ROIC
5%
Country US
Market Cap 68.9B USD
ROE
7%
ROA
1%
ROCE
0%
ROIC
0%
Country IN
Market Cap 4.3T INR
ROE
21%
ROA
4%
ROCE
9%
ROIC
5%
Country US
Market Cap 43.9B USD
ROE
24%
ROA
3%
ROCE
0%
ROIC
0%
Country US
Market Cap 25.7B USD
ROE
21%
ROA
3%
ROCE
0%
ROIC
0%
Country KZ
Market Cap 18.4B USD
ROE
83%
ROA
14%
ROCE
0%
ROIC
0%
Country US
Market Cap 17.4B USD
ROE
3%
ROA
1%
ROCE
0%
ROIC
0%
Country IN
Market Cap 1.1T INR
ROE
16%
ROA
3%
ROCE
7%
ROIC
5%
Country US
Market Cap 11.3B EUR
ROE
47%
ROA
6%
ROCE
8%
ROIC
6%
Country IN
Market Cap 1T INR
ROE
22%
ROA
3%
ROCE
5%
ROIC
3%
No Stocks Found

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

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