UPST

Value 20212022202320242025 Current Total common shares outstanding 84.06 M81.39 M86.43 M93.71 M98.06 M 97.31 M Enterprise value 11.73 B626.66 M2.99 B4.98 B3.64 B 2.54 B Price to earnings ratio 105.8-9.84-13.52-42.7697.18 59.13 Price to sales ratio 16.91.276.338.654.5 2.61 Price to cash flow ratio 85.17-1.5820.2529.56-31.82 -11.27 Price to book ratio 17.771.595.128.75.88 1.06 Enterprise value to EBITDA ratio 79.04-6.24-12.89-32.7153.89 33.69 Return on assets % 0.07-0.06-0.12-0.050.02 0.01 Return on equity % 0.17-0.16-0.38-0.20.07 0.02 Return on invested capital % ————— — Gross margin % 100100100100100 100 Operating margin % 16.6-13.52-49.95-27.164.08 4.01 EBITDA margin % 17.49-11.91-45.1-23.936.46 5.97 Net margin % 15.96-12.9-46.76-20.25.13 4.53 Quick ratio ————— — Current ratio ————— — Inventory turnover ————— — Asset turnover 0.470.450.260.290.35 0.12 Debt to assets ratio ————— — Debt to equity ratio ————— — Long term debt to total assets ratio -0.01-0.01-0-0.01-0.01 -0.01 Long term debt to total equity ratio -0.02-0.02-0.01-0.04-0.04 -0.04 Operating cash flow per share 1.78-8.15-1.922.08-1.37 -2.73 EBIT per share 1.49-1.38-3.06-1.930.4 0.45 EBITDA per share 1.57-1.21-2.77-1.70.63 0.69 Total debt per share ————— — Cash per share 10.415.14.48.816.07 4.16 Net current asset value per share 10.415.14.48.816.07 4.16 Tangible book value per share 8.528.127.587.086.73 6.59 Working capital per share ————— — Book value per share 8.528.127.587.087.43 7.27