Every figure this model derived for UPST, the value it took, and
the element in the company's own XBRL it was read from — so any of it can be checked
against the filing rather than taken on trust.
As at 2026-06-30.
The figures, and where each came from
This is the part no other screener shows. Each figure below names the XBRL element it
was read from, so it can be checked against the filing itself.
Figure
Value
XBRL tag
As at
capex
5,040,000
PaymentsToAcquirePropertyPlantAndEquipment
2026-06-30
cash
455,957,000
CashAndCashEquivalentsAtCarryingValue
2026-06-30
equity
797,488,000
StockholdersEquity
2026-06-30
interest expense
35,768,000
InterestPaidNet
2026-06-30
ocf
-284,006,000
NetCashProvidedByUsedInOperatingActivities
2026-06-30
revenue
1,246,117,000
Revenues
2026-06-30
sbc
145,885,000
ShareBasedCompensation
2026-06-30
The ratios
The figures themselves rather than their scores — what somebody looking up
UPST on one particular measure came for.
Ratio
Value
cash operating margin
17.75
dilution pct
20.19
fcf margin
-23.2
growth cv
1.63
interest cover
1.39
net debt ebitda
20.55
operating margin
3.99
owner earnings margin
-34.9
revenue growth
46.3
revenue growth per share
21.73
roic
1.67
rule of 40
50.29
sbc pct revenue
11.71
What to be careful about
What this model itself distrusts about UPST's figures. Written by the
derivation as it ran, not added afterwards.
no market cap; set `market_cap` in overrides.yaml
no forward EPS estimate; growth rests on filings only. Analyst consensus is not published in XBRL, so it has to be fetched from a data provider or set by hand in overrides.yaml as `eps_growth_2y`
valuation DROPPED from the total: only 0 of 2 inputs could be computed (ev sales, ev owner earnings not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
durability DROPPED from the total: only 2 of 4 inputs could be computed (contracted coverage, gross margin stability not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
resilience rests on 2 of 3 inputs; not tagged: liquidity
2 of 5 dimensions could not be measured (valuation, durability -- 35% of the model), so this row is not comparable with the others; its total rests on what was left