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Upstart Holdings, Inc. (UPST)

NASDAQ: UPST · USD

$24.1

+0.40 (+1.7%)· Recorded snapshot

Market cap	2.3B
Revenue (ttm)	1.3B
Net income (ttm)	60.3M
EPS (ttm)	$0.52
Shares out	97.3M
P/E (trailing)	46.1x
P/E (forward)	7.9x
Volume	3,399,475
Beta	2.43

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Metric	Value
Amount currency	USD
CIK code	0001647639
Company name	Upstart Holdings, Inc.
Country	United States
Country code	US
CUSIP number	91680M107
Earnings date	2026-11-03
Earnings time	bmo
Employees	1,405
Employees change	212
Employees growth	17.77%
Enterprise value	$3.9B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2012
In index	RUSSELL2000
Industry	Credit Services
IPO date	2020-12-16
Is primary listing	Yes
Is SPAC	No
ISIN number	US91680M1071
Last 10-K release date	2026-02-10
Last earnings date	2026-08-04
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$2.3B
Market cap category	Mid-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$24.11
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	UPST
Tags	artificial-intelligence
U.S. state	California
Website	https://www.upstart.com

Metric

Value

Amount currency

USD

CIK code

0001647639

Company name

Upstart Holdings, Inc.

Country

United States

Country code

CUSIP number

91680M107

Earnings date

2026-11-03

Earnings time

bmo

Employees

1,405

Employees change

212

Employees growth

17.77%

Enterprise value

$3.9B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2012

In index

RUSSELL2000

Industry

Credit Services

IPO date

2020-12-16

Is primary listing

Yes

Is SPAC

ISIN number

US91680M1071

Last 10-K release date

2026-02-10

Last earnings date

2026-08-04

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$2.3B

Market cap category

Mid-Cap

Next earnings date

2026-11-03

Options

Yes

Price

$24.11

Price currency

USD

Sector

Financials

SIC code

6199

Stock price date

2026-10-28

Symbol

UPST

Tags

artificial-intelligence

U.S. state

California

Website

https://www.upstart.com

Metric	Value
Adjusted P/E ratio	12.76x
Earnings yield	2.17%
EV/Earnings	65.02x
EV/EBIT	43.84x
EV/EBITDA	34.09x
EV/Sales	3.05x
FCF / EV yield	-7.37%
FCF yield	-12.44%
Forward EV/Sales	2.43x
Forward P/E	7.89x
Forward P/S	1.44x
Graham number	9.82122
Graham upside	-58.86%
Industry forward P/E	19.82x
Industry P/E	22.96x
Lynch fair value	$2.62
Lynch upside	-89.04%
P/B ratio	2.89x
P/E ratio	46.08x
P/S ratio	1.81x
PEG ratio	0.2x
Price / tangible book value	3.41x
Price/EBITDA ratio	20.19x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

12.76x

Earnings yield

2.17%

EV/Earnings

65.02x

EV/EBIT

43.84x

EV/EBITDA

34.09x

EV/Sales

3.05x

FCF / EV yield

-7.37%

FCF yield

-12.44%

Forward EV/Sales

2.43x

Forward P/E

7.89x

Forward P/S

1.44x

Graham number

9.82122

Graham upside

-58.86%

Industry forward P/E

19.82x

Industry P/E

22.96x

Lynch fair value

$2.62

Lynch upside

-89.04%

P/B ratio

2.89x

P/E ratio

46.08x

P/S ratio

1.81x

PEG ratio

0.2x

Price / tangible book value

3.41x

Price/EBITDA ratio

20.19x

Sector forward P/E

13.63x

Sector P/E

15.65x

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	$42,942
Profitable quarters	1
Profitable years	1
Revenue per employee	$915,224
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

$42,942

Profitable quarters

Profitable years

Revenue per employee

$915,224

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	$-5M
Depreciation and amortization	$25.6M
EBIT	$89.5M
EBITDA	$115.1M
EPS	$0.52
FCF per share	$-2.97
Financing cash flow	$458.6M
Free cash flow	$-289M
Free cash flow minus SBC	$-434.9M
Gross profit	$1.1B
Income taxes	$1.3M
Investing cash flow	$106.2M
Net borrowing	$599.1M
Net cash flow	$280.8M
Net income	$60.3M
Operating cash flow minus SBC	$-429.9M
Operating income	$89.5M
Revenue	$1.3B
Stock-based compensation	$145.9M

Metric

Value

Capital expenditures

$-5M

Depreciation and amortization

$25.6M

EBIT

$89.5M

EBITDA

$115.1M

EPS

$0.52

FCF per share

$-2.97

Financing cash flow

$458.6M

Free cash flow

$-289M

Free cash flow minus SBC

$-434.9M

Gross profit

$1.1B

Income taxes

$1.3M

Investing cash flow

$106.2M

Net borrowing

$599.1M

Net cash flow

$280.8M

Net income

$60.3M

Operating cash flow minus SBC

$-429.9M

Operating income

$89.5M

Revenue

$1.3B

Stock-based compensation

$145.9M

Metric	Value
Altman Z-Score	2.23
Book value per share	$8.20
Debt / EBITDA	15.51
Debt / equity	2.58
Goodwill	$67.1M
Interest coverage	2.25
Long-term assets	$911.8M
Long-term liabilities	$2.2B
Net cash (debt)	$-1.6B
Net cash / market cap	-68.87%
Net debt / EBITDA	13.9
Net debt / equity	2.01
Piotroski F-Score	4
Property, plant and equipment	$26.6M
Shareholders' equity	$797.5M
Tangible book value	$681.1M
Tangible book value per share	$7.00
Total assets	$3.2B
Total cash	$457.8M
Total debt	$2.1B
Total liabilities	$2.4B
WACC	10.22%

Metric

Value

Altman Z-Score

2.23

Book value per share

$8.20

Debt / EBITDA

15.51

Debt / equity

2.58

Goodwill

$67.1M

Interest coverage

2.25

Long-term assets

$911.8M

Long-term liabilities

$2.2B

Net cash (debt)

$-1.6B

Net cash / market cap

-68.87%

Net debt / EBITDA

13.9

Net debt / equity

2.01

Piotroski F-Score

Property, plant and equipment

$26.6M

Shareholders' equity

$797.5M

Tangible book value

$681.1M

Tangible book value per share

$7.00

Total assets

$3.2B

Total cash

$457.8M

Total debt

$2.1B

Total liabilities

$2.4B

WACC

10.22%

Metric	Value
Asset turnover	0.46
Current assets	$2.3B
Current liabilities	$216.1M
Current ratio	10.45
Net working capital	$1.7B
Quick ratio	2.39
Working capital	$2B
Working capital turnover	0.68

Metric

Value

Asset turnover

0.46

Current assets

$2.3B

Current liabilities

$216.1M

Current ratio

10.45

Net working capital

$1.7B

Quick ratio

2.39

Working capital

$2B

Working capital turnover

0.68

Metric	Value
Buyback yield / dilution	-14.59%
Dividend yield	0%
Shareholder yield	-14.59%

Metric

Value

Buyback yield / dilution

-14.59%

Dividend yield

Shareholder yield

-14.59%

Metric	Value
150-day SMA	$28.78
1D price change	1.67%
1M price change	1.24%
1M total return	1.24%
1W price change	1.88%
1W total return	1.88%
1Y price change	-54.29%
1Y return CAGR	-54.32%
1Y total return	-54.29%
20-day SMA	$23.70
200-day SMA	$30.11
3M price change	-12.31%
3M total return	-12.31%
3Y price change	4.67%
3Y return CAGR	1.53%
3Y total return	4.67%
50-day SMA	$25.56
50-day SMA vs 200-day SMA	50under200
52-week high	$53.18
52-week high date	2025-10-28
52-week low	$22.21
52-week low date	2026-10-14
5Y price change	-92.34%
5Y return CAGR	-40.18%
5Y total return	-92.34%
6M price change	-27.2%
6M total return	-27.2%
All-time high	$401.49
All-time high date	2021-10-15
All-time low	$11.93
All-time low date	2023-05-03
Average true range (ATR)	$1.05
Average volume	3.8M
Beta (1Y)	3.27
Beta (2Y)	3.53
Beta (5Y)	2.43
Change from 52-week high	-54.67%
Change from 52-week low	8.53%
Change from all-time high	-94%
Change from all-time low	102.05%
Change from open	0.82%
Day's gap	0.84%
Dollar volume	$81.9M
High price	$24.18
Low price	$23.62
Monthly RSI	42.57
Open price	$23.91
Position in 52-week range	86.61%
Premarket change	-0.17%
Premarket close	$23.71
Premarket price	$23.67
Premarket volume	37.6K
Previous close	$23.71
Price vs 150-day SMA	-16.25%
Price vs 20-day SMA	1.73%
Price vs 200-day SMA	-19.93%
Price vs 50-day SMA	-5.7%
Relative volume	0.89
Return from IPO open	-8.19%
Return from IPO price	19.35%
RSI	49.29
Sharpe ratio	-0.95
Sharpe ratio (3Y)	0.36
Sharpe ratio (5Y)	-0.05
Sortino ratio	-1.22
Sortino ratio (3Y)	0.65
Sortino ratio (5Y)	-0.01
Volume	3.4M
Weekly RSI	38.89
YTD price change	-44.88%
YTD total return	-44.88%

Metric

Value

150-day SMA

$28.78

1D price change

1.67%

1M price change

1.24%

1M total return

1.24%

1W price change

1.88%

1W total return

1.88%

1Y price change

-54.29%

1Y return CAGR

-54.32%

1Y total return

-54.29%

20-day SMA

$23.70

200-day SMA

$30.11

3M price change

-12.31%

3M total return

-12.31%

3Y price change

4.67%

3Y return CAGR

1.53%

3Y total return

4.67%

50-day SMA

$25.56

50-day SMA vs 200-day SMA

50under200

52-week high

$53.18

52-week high date

2025-10-28

52-week low

$22.21

52-week low date

2026-10-14

5Y price change

-92.34%

5Y return CAGR

-40.18%

5Y total return

-92.34%

6M price change

-27.2%

6M total return

-27.2%

All-time high

$401.49

All-time high date

2021-10-15

All-time low

$11.93

All-time low date

2023-05-03

Average true range (ATR)

$1.05

Average volume

3.8M

Beta (1Y)

3.27

Beta (2Y)

3.53

Beta (5Y)

2.43

Change from 52-week high

-54.67%

Change from 52-week low

8.53%

Change from all-time high

-94%

Change from all-time low

102.05%

Change from open

0.82%

Day's gap

0.84%

Dollar volume

$81.9M

High price

$24.18

Low price

$23.62

Monthly RSI

42.57

Open price

$23.91

Position in 52-week range

86.61%

Premarket change

-0.17%

Premarket close

$23.71

Premarket price

$23.67

Premarket volume

37.6K

Previous close

$23.71

Price vs 150-day SMA

-16.25%

Price vs 20-day SMA

1.73%

Price vs 200-day SMA

-19.93%

Price vs 50-day SMA

-5.7%

Relative volume

0.89

Return from IPO open

-8.19%

Return from IPO price

19.35%

RSI

49.29

Sharpe ratio

-0.95

Sharpe ratio (3Y)

0.36

Sharpe ratio (5Y)

-0.05

Sortino ratio

-1.22

Sortino ratio (3Y)

0.65

Sortino ratio (5Y)

-0.01

Volume

3.4M

Weekly RSI

38.89

YTD price change

-44.88%

YTD total return

-44.88%

Metric	Value
Float	83.7M
Float percentage	85.98%
Shares change (QoQ)	13.23%
Shares change (YoY)	14.59%
Shares held by insiders	14.02%
Shares held by institutions	64.55%
Shares outstanding	97.3M
Short % of float	34.15%
Short % of shares	29.36%
Short ratio	6.6 days

Metric

Value

Float

83.7M

Float percentage

85.98%

Shares change (QoQ)

13.23%

Shares change (YoY)

14.59%

Shares held by insiders

14.02%

Shares held by institutions

64.55%

Shares outstanding

97.3M

Short % of float

34.15%

Short % of shares

29.36%

Short ratio

6.6 days

Upstart Holdings, Inc. (UPST)

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Profitability

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Performance and technicals

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