BVMF/U2PS34 (BVMF/U2PS34)

Brazil Stock Exchange: BVMF/U2PS34 · BRL

R$6.41

+0.04 (+0.6%)· Recorded snapshot

Market cap	12.6B
Revenue (ttm)	6.7B
Net income (ttm)	312.6M
EPS (ttm)	R$0.14
P/E (trailing)	45.8x
P/E (forward)	7.2x
Volume	633
Beta	2.43

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 6.7B
Net income (ttm): 312.6M
EPS (ttm): R$0.14
P/E (trailing): 45.8x
P/E (forward): 7.2x
Market cap: 12.6B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E7.2

P25 n/aP50 n/aP75 n/a

Trailing P/E45.8

P25 n/aP50 n/aP75 n/a

ROE7.9

P25 n/aP50 n/aP75 n/a

ROIC3.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/U2PS34 indicators

Market & fundamental data

Available fields

202

Groups with data

Currency

USD

Showing 202 of 202 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-11-03
Employees	1,405
Employees change	212
Employees growth	17.77%
Enterprise value	BRL 21.2B
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	2012
Industry	Credit Services
Is primary listing	No
ISIN number	BRU2PSBDR007
Last earnings date	2026-08-04
Last refreshed	2026-10-29
Market cap	BRL 12.6B
Next earnings date	2026-11-03
Price	BRL 6.41
Price currency	BRL
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	bvmf/U2PS34
Website	https://www.upstart.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings yield	2.18%
EV/Earnings	67.88x
EV/EBIT	44.13x
EV/EBITDA	29.77x
EV/Sales	3.07x
FCF / EV yield	-7.06%
FCF yield	-11.86%
Forward P/E	7.17x
Graham number	2.73756
Graham upside	-57.29%
Lynch fair value	BRL 0.79
Lynch upside	-87.62%
P/B ratio	3.05x
P/E ratio	45.83x
P/S ratio	1.89x
Price / tangible book value	3.58x
Price/EBITDA ratio	21.17x
Sector forward P/E	7.72x
Sector P/E	8.81x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	6.96%
EBITDA margin	8.95%
Effective tax rate	2.19%
Gross margin	83.04%
Operating margin	6.96%
Pretax margin	4.8%
Profit margin	4.69%
Profit per employee	BRL 222,476
Profitable quarters	1
Profitable years	1
Revenue per employee	BRL 4.7M
ROA	1.98%
ROA (5Y)	-0.91%
ROCE	3.03%
ROE	7.94%
ROE (5Y)	-7.95%
ROIC	3.78%
ROIC (5Y)	1.55%
SBC / revenue	11.35%
Tax / revenue	0.1%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (Q)	211.16%
EPS growth 5Y	-9.95%
EPS growth quarters	1
EPS growth years	2
Gross profit growth	48.69%
Gross profit growth (Q)	44.38%
Gross profit growth 3Y	39.2%
Gross profit growth 5Y	21.18%
Net income growth (Q)	194.97%
Net income growth 5Y	4.2%
Net income growth quarters	1
Net income growth years	2
Operating income growth (Q)	120.64%
Operating income growth 5Y	2.08%
Revenue growth	45.33%
Revenue growth (Q)	42.32%
Revenue growth (QoQ)	18.41%
Revenue growth 3Y	31.79%
Revenue growth 5Y	22.17%
Revenue growth quarters	8
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -26.1M
Depreciation and amortization	BRL 136.8M
EBIT	BRL 463.6M
EBITDA	BRL 596.1M
EPS	BRL 0.14
Financing cash flow	BRL 2.4B
Free cash flow	BRL -1.5B
Free cash flow minus SBC	BRL -2.3B
Gross profit	BRL 5.5B
Income taxes	BRL 7M
Investing cash flow	BRL 550.1M
Net borrowing	BRL 3.2B
Net cash flow	BRL 1.5B
Net income	BRL 312.6M
Operating cash flow minus SBC	BRL -2.2B
Operating income	BRL 463.6M
Revenue	BRL 6.7B
Stock-based compensation	BRL 755.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.23
Book value per share	BRL 42.46
Debt / EBITDA	15.51
Debt / equity	2.58
Goodwill	BRL 358.7M
Interest coverage	2.25
Long-term assets	BRL 4.3B
Long-term liabilities	BRL 11.1B
Net cash (debt)	BRL -8.3B
Net cash / market cap	-65.66%
Net debt / EBITDA	13.9
Net debt / equity	2.01
Piotroski F-Score	4
Property, plant and equipment	BRL 142.3M
Shareholders' equity	BRL 4.1B
Tangible book value	BRL 3.5B
Tangible book value per share	BRL 36.26
Total assets	BRL 16.4B
Total cash	BRL 2.4B
Total debt	BRL 10.7B
Total liabilities	BRL 12.3B
WACC	10.41%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.46
Current assets	BRL 12.1B
Current liabilities	BRL 1.2B
Current ratio	10.45
Net working capital	BRL 8.6B
Quick ratio	2.39
Working capital	BRL 10.6B
Working capital turnover	3.53

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-14.59%
Shareholder yield	-14.59%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BRL 7.33
1D price change	0.63%
1M price change	0.63%
1M total return	0.63%
1W price change	7.01%
1W total return	7.01%
1Y price change	-54.54%
1Y return CAGR	-54.56%
1Y total return	-54.54%
20-day SMA	BRL 6.02
200-day SMA	BRL 7.95
3M price change	-8.82%
3M total return	-8.82%
3Y price change	11.09%
3Y return CAGR	3.57%
3Y total return	11.09%
50-day SMA	BRL 6.60
50-day SMA vs 200-day SMA	50under200
52-week high	BRL 15.25
52-week high date	2025-10-28
52-week low	BRL 5.70
52-week low date	2026-10-15
6M price change	-23.42%
6M total return	-23.42%
All-time high	BRL 40.00
All-time high date	2022-03-02
All-time low	BRL 3.03
All-time low date	2023-05-03
Average true range (ATR)	BRL 0.23
Average volume	3K
Beta (5Y)	2.43
Change from 52-week high	-57.97%
Change from 52-week low	12.46%
Change from all-time high	-83.98%
Change from all-time low	111.55%
Change from open	-0.47%
Day's gap	1.1%
Dollar volume	BRL 4,058
High price	BRL 6.44
Low price	BRL 6.32
Monthly RSI	40.71
Open price	BRL 6.44
Position in 52-week range	75%
Previous close	BRL 6.37
Price vs 150-day SMA	-12.52%
Price vs 20-day SMA	6.48%
Price vs 200-day SMA	-19.4%
Price vs 50-day SMA	-2.92%
Relative volume	0.21
RSI	54.9
Sharpe ratio	-0.82
Sharpe ratio (3Y)	0.4
Sortino ratio	-1.01
Sortino ratio (3Y)	0.68
Volume	633
Weekly RSI	41.7
YTD price change	-49.96%
YTD total return	-49.96%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	83.7M
Shares change (QoQ)	13.23%
Shares change (YoY)	14.59%
Shares held by insiders	14.02%
Shares held by institutions	64.54%
Short ratio	6.2 days

Deeper analysis on BVMF/U2PS34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BVMF/U2PS34 report

Is a complete BVMF/U2PS34 research report available?

No complete published report is available for bvmf/U2PS34 (BVMF/U2PS34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/U2PS34 (BVMF/U2PS34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/U2PS34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/U2PS34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/U2PS34

Frequently asked questions