Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

BCBA/UPST stock hub

BCBA/UPST has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.9T

Buenos Aires Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

BCBA/UPST

In the news

Latest news · BCBA/UPST

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.9

P25 n/aP50 n/aP75 n/a

Trailing P/E56.6

P25 n/aP50 n/aP75 n/a

ROE7

P25 n/aP50 n/aP75 n/a

ROIC3.4

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All BCBA/UPST market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

185

Groups with data

Currency

USD

Showing 185 of 185 available metrics for this ticker.

Profile and market data

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

Metric	Value
Country	United States
Country code	AR
Employees	1,405
Employees Change	212%
Employees Change Percent	17.77
Enterprise value	ARS 6T
Exchange	Buenos Aires Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	ARS 3.9T
Price	ARS 8,640
Price currency	ARS
Rev Per Employee	1,154,093,929.45x
Sic	6141
Symbol	bcba/UPST
Website	https://www.upstart.com

Valuation

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

Metric	Value
Earnings Yield	1.77%
EV Earnings	87.25x
EV/EBIT	57.3x
EV/EBITDA	36.63x
EV/FCF	-15.93x
EV/Sales	3.64x
FCF yield	-9.69%
Forward P/E	9.87x
P/B ratio	3.81x
P/E ratio	56.56x
P/S ratio	2.38x

Profitability

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

Metric	Value
EBIT Margin	6.36%
EBITDA Margin	8.43%
Gross margin	82.71%
Gross Profit	ARS 1.3T
Gross Profit Growth	61.86%
Gross Profit Growth Q	46.47%
Gross Profit Growth3 Y	27.16%
Gross Profit Growth5 Y	31.13%
Net Income	ARS 68.2B
Net Income Growth5 Y	41.78%
Pretax Margin	4.28%
Profit Margin	4.21%
Profit Per Employee	ARS 48.6M
ROA	1.77
Roa5y	-0.91
ROCE	2.69
ROE	7.01
Roe5y	-7.95
ROIC	3.44
Roic5y	1.55

Growth

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

Metric	Value
Cagr1y	-20.01%
Cagr3y	92.72%
EPS Growth5 Y	12.09
Revenue Growth	54.67x
Revenue Growth Q	44.55x
Revenue Growth3 Y	21.63x
Revenue Growth5 Y	31.67x

Financial strength

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

Metric	Value
Asset Turnover	ARS 0.45
Assets	ARS 4.1T
Cash	ARS 655.8B
Current Assets	ARS 3T
Current Liabilities	ARS 256.8B
Debt	ARS 2.7T
Debt EBITDA	ARS 16.95
Debt Equity	ARS 2.7
Debt FCF	ARS -7.31
Equity	ARS 1T
Interest Coverage	2.13
Liabilities	ARS 3.1T
Long Term Assets	ARS 1.1T
Long Term Liabilities	ARS 2.8T
Net Cash	ARS -2.1T
Net Cash By Market Cap	ARS -53.82
Net Debt EBITDA	ARS 15.2
Net Debt Equity	ARS 2.05
Tangible Book Value	ARS 853.6B
Tangible Book Value Per Share	ARS 8,919
WACC	10.49

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	11.65
Net Working Capital	ARS 2.1T
Quick ratio	2.84
Working Capital	ARS 2.7T
Working Capital Turnover	ARS 895

Dividends and buybacks

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

Metric	Value
Buyback Yield	-18.51%

Performance and technicals

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

Metric	Value
1Y total return	-20%
200-day SMA	13,740.4
3Y total return	616.12%
50-day SMA	8,525.4
50-day SMA vs 200-day SMA	50under200
All Time High	23,375
All Time High Change	-63.04%
All Time High Date	2025-07-31
All Time Low	831
All Time Low Change	939.71%
All Time Low Date	2022-12-27
ATR	533.1
Beta	2.26
Ch YTD	-37.16
High	8,865
High52	23,375
High52 Date	2025-07-31
High52ch	-63.04%
Low	8,535
Low52	7,090
Low52 Date	2026-03-30
Low52ch	21.86%
Ma50ch	1.34%
Price vs 200-day SMA	-37.12%
RSI	44.8
RSI Monthly	45.09
RSI Weekly	39.9
Sharpe ratio	-0.08x
Sortino ratio	-0.03
Total Return	-18.51%
Tr YTD	-37.16
Tr1m	9.92%
Tr1w	-9.95%
Tr3m	-23.67%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	ARS 103.1B
Operating Income Growth Q	13
Operating Income Growth5 Y	18.02
Operating margin	6.36

Ownership and float

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

Metric	Value
Float	78,411,014%
Net Borrowing	834,734,430,102.7
Shares Insiders	12.84%
Shares Institutions	68.65%
Shares Qo Q	-13.65%
Shares Yo Y	18.51%
Short Ratio	5.05

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	ARS -563.1B
Average Volume	32,180.1x
Bv Per Share	10,582.9
CAPEX	ARS -4.3B
Ch1m	9.92
Ch1w	-9.95
Ch1y	-20
Ch3m	-23.67
Ch3y	616.1
Ch6m	-23.88
Change	0.99%
Change From Open	-2.48
Close	8,555
Days Gap	3.57
Depreciation Amortization	33,977,596,777.7
Dollar Volume	34,810,560
Earnings Date	2026-05-05
EBIT	ARS 103.1B
EBITDA	ARS 136.7B
EPS	ARS 572
F Score	4
FCF	ARS -373.9B
FCF EV Yield	-6.28x
Financing CF	631,445,703,832
Fiscal Year End	December
Founded	2,012
Goodwill	93,796,797,229.9
Graham Number	2791.34202
Graham Upside	-67.69
Income Tax	ARS 1.1B
Investing CF	-135,009,807,846
Is Primary Listing	0
Last Earnings Date	2026-05-05
Last Report Date	2026-03-31
Lynch Fair Value	ARS 3,819
Lynch Upside	-55.8
Ma150	11,896.6
Ma150ch	-27.37%
Ma20	9,360.8
Ma20ch	-7.7%
Net CF	126,831,246,742
Next Earnings Date	2026-08-04
Open	8,860
Position In Range	31.82
Ppne	29,941,070,029.2
Price Date	2026-05-08
Price EBITDA	ARS 28.25
Ptbv Ratio	4.52
Relative Volume	0.13x
Revenue	1,621,501,970,882x
SBC By Revenue	11.67x
Share Based Comp	189,170,670,941
Tax By Revenue	0.07x
Tax Rate	1.56%
Tr6m	-23.88%
Volume	4,029
Z Score	2.4

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does BCBA/UPST pay a dividend?

Capital-return profile for this ticker.

Performance

BCBA/UPST stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns BCBA/UPST?

Insider, institutional, and short-interest positioning.

Institutional ownership

+68.6%

Share of float held by funds and institutions

Insider ownership

+12.8%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

BCBA/UPST momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

44.8

Neutral momentum band

Price vs 200-day MA

-37.1%

50/200-day relationship not available

Beta (5Y)

2.26

More volatile than the market

Sharpe ratio

-0.08

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About BCBA/UPST

Hub-level FAQ points readers to the deeper analysis pages.

What is the current bcba/UPST stock rating?

bcba/UPST is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full bcba/UPST analysis?

The full report lives at /stocks/bcba/UPST/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for bcba/UPST?

The latest report frames bcba/UPST around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the bcba/UPST page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.