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BCBA/UPST (BCBA/UPST)

Buenos Aires Stock Exchange: BCBA/UPST · ARS

ARS 7,885

+85.02 (+1.1%)· Recorded snapshot

Market cap	3.6T
Revenue (ttm)	1.9T
Net income (ttm)	89.4B
EPS (ttm)	ARS 161
P/E (trailing)	48.9x
P/E (forward)	7.2x
Volume	11,318
Beta	2.43

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.9T
Net income (ttm): 89.4B
EPS (ttm): ARS 161
P/E (trailing): 48.9x
P/E (forward): 7.2x
Market cap: 3.6T

Metric	Value
Amount currency	ARS
Country	United States
Country code	AR
Earnings date	2026-11-03
Employees	1,405
Employees change	212
Employees growth	17.77%
Enterprise value	ARS 6.1T
Exchange	Buenos Aires 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	ARCAVA4601B8
Last earnings date	2026-08-04
Last refreshed	2026-10-29
Market cap	ARS 3.6T
Next earnings date	2026-11-03
Price	ARS 7,885.00
Price currency	ARS
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	bcba/UPST
Website	https://www.upstart.com

Metric

Value

Amount currency

ARS

Country

United States

Country code

Earnings date

2026-11-03

Employees

1,405

Employees change

212

Employees growth

17.77%

Enterprise value

ARS 6.1T

Exchange

Buenos Aires 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

ISIN number

ARCAVA4601B8

Last earnings date

2026-08-04

Last refreshed

2026-10-29

Market cap

ARS 3.6T

Next earnings date

2026-11-03

Price

ARS 7,885.00

Price currency

ARS

Sector

Financials

SIC code

6141

Stock price date

2026-10-28

Symbol

bcba/UPST

Website

https://www.upstart.com

Metric	Value
Earnings yield	2.05%
EV/Earnings	67.92x
EV/EBIT	44.13x
EV/EBITDA	29.77x
EV/Sales	3.07x
FCF / EV yield	-7.05%
FCF yield	-11.86%
Forward P/E	7.17x
Graham number	3405.99287
Graham upside	-57.32%
Lynch fair value	ARS 987.51
Lynch upside	-87.63%
P/B ratio	3.06x
P/E ratio	48.89x
P/S ratio	1.9x
Price / tangible book value	3.58x
Price/EBITDA ratio	21.19x
Sector forward P/E	6.78x
Sector P/E	23.03x

Metric

Value

Earnings yield

2.05%

EV/Earnings

67.92x

EV/EBIT

44.13x

EV/EBITDA

29.77x

EV/Sales

3.07x

FCF / EV yield

-7.05%

FCF yield

-11.86%

Forward P/E

7.17x

Graham number

3405.99287

Graham upside

-57.32%

Lynch fair value

ARS 987.51

Lynch upside

-87.63%

P/B ratio

3.06x

P/E ratio

48.89x

P/S ratio

1.9x

Price / tangible book value

3.58x

Price/EBITDA ratio

21.19x

Sector forward P/E

6.78x

Sector P/E

23.03x

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	ARS 63.6M
Profitable quarters	1
Profitable years	1
Revenue per employee	ARS 1.4B
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%

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

ARS 63.6M

Profitable quarters

Profitable years

Revenue per employee

ARS 1.4B

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%

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

Metric

Value

EPS growth (Q)

211.16%

EPS growth 5Y

-9.95%

EPS growth quarters

EPS growth years

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

Net income growth years

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

Revenue growth years

Metric	Value
Capital expenditures	ARS -7.5B
Depreciation and amortization	ARS 39.4B
EBIT	ARS 132.6B
EBITDA	ARS 170.5B
EPS	ARS 161.29
Financing cash flow	ARS 679.5B
Free cash flow	ARS -428.2B
Free cash flow minus SBC	ARS -644.4B
Gross profit	ARS 1.6T
Income taxes	ARS 2B
Investing cash flow	ARS 157.3B
Net borrowing	ARS 923.7B
Net cash flow	ARS 416B
Net income	ARS 89.4B
Operating cash flow minus SBC	ARS -636.9B
Operating income	ARS 132.6B
Revenue	ARS 1.9T
Stock-based compensation	ARS 216.1B

Metric

Value

Capital expenditures

ARS -7.5B

Depreciation and amortization

ARS 39.4B

EBIT

ARS 132.6B

EBITDA

ARS 170.5B

EPS

ARS 161.29

Financing cash flow

ARS 679.5B

Free cash flow

ARS -428.2B

Free cash flow minus SBC

ARS -644.4B

Gross profit

ARS 1.6T

Income taxes

ARS 2B

Investing cash flow

ARS 157.3B

Net borrowing

ARS 923.7B

Net cash flow

ARS 416B

Net income

ARS 89.4B

Operating cash flow minus SBC

ARS -636.9B

Operating income

ARS 132.6B

Revenue

ARS 1.9T

Stock-based compensation

ARS 216.1B

Metric	Value
Altman Z-Score	2.23
Book value per share	ARS 12,141.78
Debt / EBITDA	15.51
Debt / equity	2.58
Goodwill	ARS 103.4B
Interest coverage	2.25
Long-term assets	ARS 1.2T
Long-term liabilities	ARS 3.2T
Net cash (debt)	ARS -2.4T
Net cash / market cap	-65.62%
Net debt / EBITDA	13.9
Net debt / equity	2.01
Piotroski F-Score	4
Property, plant and equipment	ARS 41B
Shareholders' equity	ARS 1.2T
Tangible book value	ARS 1T
Tangible book value per share	ARS 10,369.90
Total assets	ARS 4.7T
Total cash	ARS 678.3B
Total debt	ARS 3T
Total liabilities	ARS 3.5T
WACC	10.41%

Metric

Value

Altman Z-Score

2.23

Book value per share

ARS 12,141.78

Debt / EBITDA

15.51

Debt / equity

2.58

Goodwill

ARS 103.4B

Interest coverage

2.25

Long-term assets

ARS 1.2T

Long-term liabilities

ARS 3.2T

Net cash (debt)

ARS -2.4T

Net cash / market cap

-65.62%

Net debt / EBITDA

13.9

Net debt / equity

2.01

Piotroski F-Score

Property, plant and equipment

ARS 41B

Shareholders' equity

ARS 1.2T

Tangible book value

ARS 1T

Tangible book value per share

ARS 10,369.90

Total assets

ARS 4.7T

Total cash

ARS 678.3B

Total debt

ARS 3T

Total liabilities

ARS 3.5T

WACC

10.41%

Metric	Value
Asset turnover	0.46
Current assets	ARS 3.5T
Current liabilities	ARS 333.2B
Current ratio	10.45
Net working capital	ARS 2.5T
Quick ratio	2.39
Working capital	ARS 3T
Working capital turnover	1,008.59

Metric

Value

Asset turnover

0.46

Current assets

ARS 3.5T

Current liabilities

ARS 333.2B

Current ratio

10.45

Net working capital

ARS 2.5T

Quick ratio

2.39

Working capital

ARS 3T

Working capital turnover

1,008.59

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

Metric

Value

Buyback yield / dilution

-14.59%

Shareholder yield

-14.59%

Metric	Value
150-day SMA	ARS 8,893.13
1D price change	1.09%
1M price change	1.48%
1M total return	1.48%
1W price change	2.8%
1W total return	2.8%
1Y price change	-48.6%
1Y return CAGR	-48.62%
1Y total return	-48.6%
20-day SMA	ARS 7,687.00
200-day SMA	ARS 9,376.15
3M price change	-10.7%
3M total return	-10.7%
3Y price change	98.12%
3Y return CAGR	25.59%
3Y total return	98.12%
50-day SMA	ARS 8,249.00
50-day SMA vs 200-day SMA	50under200
52-week high	ARS 15,950.00
52-week high date	2026-01-06
52-week low	ARS 7,070.00
52-week low date	2026-10-14
6M price change	-21.46%
6M total return	-21.46%
All-time high	ARS 23,375.00
All-time high date	2025-07-31
All-time low	ARS 831.00
All-time low date	2022-12-27
Average true range (ATR)	ARS 355.71
Average volume	24.9K
Beta (5Y)	2.43
Change from 52-week high	-50.56%
Change from 52-week low	11.53%
Change from all-time high	-66.27%
Change from all-time low	848.86%
Change from open	0.7%
Day's gap	0.38%
Dollar volume	ARS 89.2M
High price	ARS 8,015.00
Low price	ARS 7,500.00
Monthly RSI	44.19
Open price	ARS 7,830.00
Position in 52-week range	74.76%
Previous close	ARS 7,800.00
Price vs 150-day SMA	-11.34%
Price vs 20-day SMA	2.58%
Price vs 200-day SMA	-15.9%
Price vs 50-day SMA	-4.41%
Relative volume	0.45
RSI	50.5
Sharpe ratio	-0.66
Sharpe ratio (3Y)	0.64
Sortino ratio	-0.83
Sortino ratio (3Y)	1.09
Volume	11.3K
Weekly RSI	41.21
YTD price change	-42.65%
YTD total return	-42.65%

Metric

Value

150-day SMA

ARS 8,893.13

1D price change

1.09%

1M price change

1.48%

1M total return

1.48%

1W price change

2.8%

1W total return

2.8%

1Y price change

-48.6%

1Y return CAGR

-48.62%

1Y total return

-48.6%

20-day SMA

ARS 7,687.00

200-day SMA

ARS 9,376.15

3M price change

-10.7%

3M total return

-10.7%

3Y price change

98.12%

3Y return CAGR

25.59%

3Y total return

98.12%

50-day SMA

ARS 8,249.00

50-day SMA vs 200-day SMA

50under200

52-week high

ARS 15,950.00

52-week high date

2026-01-06

52-week low

ARS 7,070.00

52-week low date

2026-10-14

6M price change

-21.46%

6M total return

-21.46%

All-time high

ARS 23,375.00

All-time high date

2025-07-31

All-time low

ARS 831.00

All-time low date

2022-12-27

Average true range (ATR)

ARS 355.71

Average volume

24.9K

Beta (5Y)

2.43

Change from 52-week high

-50.56%

Change from 52-week low

11.53%

Change from all-time high

-66.27%

Change from all-time low

848.86%

Change from open

0.7%

Day's gap

0.38%

Dollar volume

ARS 89.2M

High price

ARS 8,015.00

Low price

ARS 7,500.00

Monthly RSI

44.19

Open price

ARS 7,830.00

Position in 52-week range

74.76%

Previous close

ARS 7,800.00

Price vs 150-day SMA

-11.34%

Price vs 20-day SMA

2.58%

Price vs 200-day SMA

-15.9%

Price vs 50-day SMA

-4.41%

Relative volume

0.45

RSI

50.5

Sharpe ratio

-0.66

Sharpe ratio (3Y)

0.64

Sortino ratio

-0.83

Sortino ratio (3Y)

1.09

Volume

11.3K

Weekly RSI

41.21

YTD price change

-42.65%

YTD total return

-42.65%

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

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

BCBA/UPST (BCBA/UPST)

Price

Financial snapshot

Fair-value bridge

Latest news · BCBA/UPST

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCBA/UPST indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

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Frequently asked questions