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.

Financial snapshot

Revenue (ttm): 1.3B
Net income (ttm): 60.3M
EPS (ttm): $0.52
P/E (trailing): 46.1x
P/E (forward): 7.9x
Market cap: 2.3B

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%	Mua mạnh
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Mua mạnh
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Giữ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.9

P25 n/aP50 n/aP75 n/a

Trailing P/E46.1

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 UPST indicators

Market & fundamental data

Available fields

240

Groups with data

Currency

USD

Showing 240 of 240 available metrics for this ticker.

Profile and market data

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

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

Valuation

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

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

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	$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%

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	$-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

Financial strength

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

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

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

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

Performance and technicals

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

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%

Ownership and float

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

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

Deeper analysis on UPST

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

Forecast

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

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Valuation

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

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Sensitivity

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

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Risks

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

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

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

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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.

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Frequently asked questions

About this UPST report

Is a complete UPST research report available?

No complete published report is available for Upstart Holdings, Inc. (UPST) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Upstart Holdings, Inc. (UPST)

Price

Financial snapshot

Fair-value bridge

Latest news · UPST

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All 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 UPST

Frequently asked questions