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SWX/UPST (SWX/UPST)

SIX Swiss Exchange: SWX/UPST · CHF

CHF 18.1

-1.52 (-7.8%)· Recorded snapshot

Market cap	1.7B
Revenue (ttm)	1B
Net income (ttm)	48.7M
EPS (ttm)	CHF 0.43
P/E (trailing)	42.2x
P/E (forward)	6.3x

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1B
Net income (ttm): 48.7M
EPS (ttm): CHF 0.43
P/E (trailing): 42.2x
P/E (forward): 6.3x
Market cap: 1.7B

Metric	Value
Amount currency	CHF
Country	United States
Country code	CH
Earnings date	2026-11-03
Employees	1,405
Employees change	212
Employees growth	17.77%
Enterprise value	CHF 3B
Exchange	SIX Swiss Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-10-19
Fiscal year end	December
Founded	2012
Industry	Credit Services
Is primary listing	No
ISIN number	US91680M1071
Last earnings date	2026-11-03
Last refreshed	2026-11-03
Market cap	CHF 1.7B
Next earnings date	2026-11-03
Price	CHF 18.06
Price currency	CHF
Sector	Financials
SIC code	6141
Stock price date	2026-11-02
Symbol	swx/UPST
Website	https://www.upstart.com

Metric

Value

Amount currency

CHF

Country

United States

Country code

Earnings date

2026-11-03

Employees

1,405

Employees change

212

Employees growth

17.77%

Enterprise value

CHF 3B

Exchange

SIX Swiss Exchange

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-10-19

Fiscal year end

December

Founded

2012

Industry

Credit Services

Is primary listing

ISIN number

US91680M1071

Last earnings date

2026-11-03

Last refreshed

2026-11-03

Market cap

CHF 1.7B

Next earnings date

2026-11-03

Price

CHF 18.06

Price currency

CHF

Sector

Financials

SIC code

6141

Stock price date

2026-11-02

Symbol

swx/UPST

Website

https://www.upstart.com

Metric	Value
Earnings yield	2.37%
EV/Earnings	61.74x
EV/EBIT	41.05x
EV/EBITDA	27.7x
EV/Sales	2.86x
FCF / EV yield	-7.76%
FCF yield	-13.75%
Forward P/E	6.33x
Graham number	8.93674
Graham upside	-50.52%
Lynch fair value	CHF 2.59
Lynch upside	-85.65%
P/B ratio	2.64x
P/E ratio	42.19x
P/S ratio	1.64x
Price / tangible book value	3.09x
Price/EBITDA ratio	18.28x
Sector forward P/E	13.56x
Sector P/E	9.45x

Metric

Value

Earnings yield

2.37%

EV/Earnings

61.74x

EV/EBIT

41.05x

EV/EBITDA

27.7x

EV/Sales

2.86x

FCF / EV yield

-7.76%

FCF yield

-13.75%

Forward P/E

6.33x

Graham number

8.93674

Graham upside

-50.52%

Lynch fair value

CHF 2.59

Lynch upside

-85.65%

P/B ratio

2.64x

P/E ratio

42.19x

P/S ratio

1.64x

Price / tangible book value

3.09x

Price/EBITDA ratio

18.28x

Sector forward P/E

13.56x

Sector P/E

9.45x

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	CHF 34,697
Profitable quarters	1
Profitable years	1
Revenue per employee	CHF 739,501
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

CHF 34,697

Profitable quarters

Profitable years

Revenue per employee

CHF 739,501

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	CHF -4.1M
Depreciation and amortization	CHF 20.9M
EBIT	CHF 72.3M
EBITDA	CHF 93M
EPS	CHF 0.43
Financing cash flow	CHF 370.6M
Free cash flow	CHF -233.5M
Free cash flow minus SBC	CHF -351.4M
Gross profit	CHF 862.8M
Income taxes	CHF 1.1M
Investing cash flow	CHF 85.8M
Net borrowing	CHF 490.3M
Net cash flow	CHF 226.9M
Net income	CHF 48.7M
Operating cash flow minus SBC	CHF -347.4M
Operating income	CHF 72.3M
Revenue	CHF 1B
Stock-based compensation	CHF 117.9M

Metric

Value

Capital expenditures

CHF -4.1M

Depreciation and amortization

CHF 20.9M

EBIT

CHF 72.3M

EBITDA

CHF 93M

EPS

CHF 0.43

Financing cash flow

CHF 370.6M

Free cash flow

CHF -233.5M

Free cash flow minus SBC

CHF -351.4M

Gross profit

CHF 862.8M

Income taxes

CHF 1.1M

Investing cash flow

CHF 85.8M

Net borrowing

CHF 490.3M

Net cash flow

CHF 226.9M

Net income

CHF 48.7M

Operating cash flow minus SBC

CHF -347.4M

Operating income

CHF 72.3M

Revenue

CHF 1B

Stock-based compensation

CHF 117.9M

Metric	Value
Altman Z-Score	2.23
Book value per share	CHF 6.62
Debt / EBITDA	15.51
Debt / equity	2.58
Goodwill	CHF 54.9M
Interest coverage	2.25
Long-term assets	CHF 713.3M
Long-term liabilities	CHF 1.7B
Net cash (debt)	CHF -1.3B
Net cash / market cap	-76.08%
Net debt / EBITDA	13.9
Net debt / equity	2.01
Piotroski F-Score	4
Property, plant and equipment	CHF 21.8M
Shareholders' equity	CHF 644.4M
Tangible book value	CHF 550.3M
Tangible book value per share	CHF 5.66
Total assets	CHF 2.6B
Total cash	CHF 369.9M
Total debt	CHF 1.7B
Total liabilities	CHF 1.9B

Metric

Value

Altman Z-Score

2.23

Book value per share

CHF 6.62

Debt / EBITDA

15.51

Debt / equity

2.58

Goodwill

CHF 54.9M

Interest coverage

2.25

Long-term assets

CHF 713.3M

Long-term liabilities

CHF 1.7B

Net cash (debt)

CHF -1.3B

Net cash / market cap

-76.08%

Net debt / EBITDA

13.9

Net debt / equity

2.01

Piotroski F-Score

Property, plant and equipment

CHF 21.8M

Shareholders' equity

CHF 644.4M

Tangible book value

CHF 550.3M

Tangible book value per share

CHF 5.66

Total assets

CHF 2.6B

Total cash

CHF 369.9M

Total debt

CHF 1.7B

Total liabilities

CHF 1.9B

Metric	Value
Asset turnover	0.46
Current assets	CHF 1.8B
Current liabilities	CHF 176.9M
Current ratio	10.45
Net working capital	CHF 1.3B
Quick ratio	2.39
Working capital	CHF 1.7B
Working capital turnover	0.55

Metric

Value

Asset turnover

0.46

Current assets

CHF 1.8B

Current liabilities

CHF 176.9M

Current ratio

10.45

Net working capital

CHF 1.3B

Quick ratio

2.39

Working capital

CHF 1.7B

Working capital turnover

0.55

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	CHF 23.18
1D price change	-7.78%
1M price change	-4.45%
1M total return	-4.45%
1W price change	-6.64%
1W total return	-6.64%
20-day SMA	CHF 19.61
3M price change	-15.8%
3M total return	-15.8%
50-day SMA	CHF 20.71
52-week high	CHF 34.15
52-week high date	2026-01-29
52-week low	CHF 18.06
52-week low date	2026-11-02
6M price change	-26.73%
6M total return	-26.73%
All-time high	CHF 34.15
All-time high date	2026-01-28
All-time low	CHF 18.06
All-time low date	2026-11-02
Average true range (ATR)	CHF 0.40
Average volume	0
Change from 52-week high	-47.12%
Change from 52-week low	0%
Change from all-time high	-47.12%
Change from all-time low	0%
Monthly RSI	0
Previous close	CHF 19.58
Price vs 150-day SMA	-22.1%
Price vs 20-day SMA	-7.91%
Price vs 50-day SMA	-12.8%
RSI	32.81
Sharpe ratio	-1.22
Sortino ratio	-1.51
Weekly RSI	34.21

Metric

Value

150-day SMA

CHF 23.18

1D price change

-7.78%

1M price change

-4.45%

1M total return

-4.45%

1W price change

-6.64%

1W total return

-6.64%

20-day SMA

CHF 19.61

3M price change

-15.8%

3M total return

-15.8%

50-day SMA

CHF 20.71

52-week high

CHF 34.15

52-week high date

2026-01-29

52-week low

CHF 18.06

52-week low date

2026-11-02

6M price change

-26.73%

6M total return

-26.73%

All-time high

CHF 34.15

All-time high date

2026-01-28

All-time low

CHF 18.06

All-time low date

2026-11-02

Average true range (ATR)

CHF 0.40

Average volume

Change from 52-week high

-47.12%

Change from 52-week low

Change from all-time high

-47.12%

Change from all-time low

Monthly RSI

Previous close

CHF 19.58

Price vs 150-day SMA

-22.1%

Price vs 20-day SMA

-7.91%

Price vs 50-day SMA

-12.8%

RSI

32.81

Sharpe ratio

-1.22

Sortino ratio

-1.51

Weekly RSI

34.21

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	64.52%
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

64.52%

Short ratio

6.2 days

SWX/UPST (SWX/UPST)

Price

Financial snapshot

Fair-value bridge

Latest news · SWX/UPST

Valuation

Profitability

Balance sheet

Next earnings

Sector percentile context

All SWX/UPST 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 SWX/UPST

Frequently asked questions