Discounted Cash Flow
Upstart Holdings, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2017 | $98.3m | $7.0m | $3.1m | 7.1% | $0.20 |
| 2018 | $115.9m (18.0%) | $4.8m (-31.0%) | $-26.3m (-947.7%) | 4.2% (-41.5%) | $0.14 (-30.0%) |
| 2019 | $65.6m (-43.4%) | $-4.9m (-202.6%) | $27.6m (204.7%) | -7.5% (-281.3%) | $-0.03 (-121.4%) |
| 2020 | $24.3m (-63.0%) | $6.0m (220.3%) | $14.3m (-48.0%) | 24.5% (424.7%) | $0.00 (100.0%) |
| 2021 | $15.9m (-34.5%) | $133.7m (2147.6%) | $159.9m (1015.1%) | 840.0% (3331.9%) | $1.73 |
| 2022 | $14.1m (-11.7%) | $-109.1m (-181.6%) | $-683.5m (-527.4%) | -776.2% (-192.4%) | $-1.31 (-175.7%) |
| 2023 | $15.8m (12.1%) | $-240.0m (-120.1%) | $-162.0m (76.3%) | -1523.7% (-96.3%) | $-2.87 (-119.1%) |
| 2024 | $10.9m (-30.9%) | $-128.4m (46.5%) | $185.5m (214.5%) | -1180.3% (22.5%) | $-1.44 (49.8%) |
| 2025 | $9.0m (-17.5%) | $54.3m (142.3%) | $-148.1m (-179.8%) | 605.1% (151.3%) | $0.56 (138.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.