UPST
Upstart Holdings, Inc.
$30.58
+0.69
(+2.31%)
Mkt Cap
2.93B
Volume
2,646,147
52W Range
23.965-76.95
Sector
Financial Services
Beta
2.17
EPS (TTM)
0.62 USD
P/E Ratio
49.21
Revenue (TTM)
1.16B USD
Rev Growth (5Y)
+36.1%
EPS Growth (5Y)
+15.7%
AlphaVal · Fair Value
What we estimate one share is worth
$2.58
Overvalued
strong signal
1086.8% above fair value
Modeled from cash flows & growth.
AlphaQuality · Ungradable
AlphaQuality does not grade financial companies — their quality is dominated by balance-sheet and capital-structure factors outside the scope of this model.
Company Description
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.08B | 676.96M | 547.72M | 853.29M | 849.89M | 230.08M | 189.27M | 95.58M | 55.64M |
| Net Income | 53.60M | (128.58M) | (240.13M) | (108.67M) | 135.44M | 5.98M | (466,000) | (12.32M) | (7.72M) |
| EPS | 0.56 | -1.44 | -2.87 | -1.31 | 1.73 | 0.27 | -0.03 | -0.87 | -0.56 |
| Free Cash Flow | (166.13M) | 176.34M | (123.80M) | (680.77M) | 153.24M | 10.09M | 26.30M | 49.29M | 9.58M |
| FCF / Share | -1.73 | 1.97 | -1.48 | -8.22 | 1.96 | 0.46 | 1.83 | 3.49 | 0.69 |
| Operating CF | (147.72M) | 186.33M | (111.71M) | (657.86M) | 168.35M | 15.70M | 31.58M | 50.34M | 10.36M |
| Total Assets | 2.97B | 2.37B | 2.02B | 1.94B | 1.82B | 477.25M | 393.46M | 645.91M | N/A |
| Total Debt | 1.85B | 1.45B | 1.10B | 1.09B | 795.80M | 82.06M | 135.67M | 501.23M | N/A |
| Cash & Equiv | 657.45M | 793.61M | 377.32M | 432.41M | 994.99M | 258.77M | 50.82M | 73.04M | N/A |
| Book Value | 798.82M | 633.22M | 635.30M | 672.43M | 807.08M | 300.25M | (62.71M) | 91.25M | N/A |
| Return on Equity | 0.07 | -0.20 | -0.38 | -0.16 | 0.17 | 0.02 | N/A | -0.13 | N/A |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 257.29M | 308.21M | 304.17M | 285.90M | 265.06M | 220.39M | 226.40M | 172.96M | 139.10M | 138.51M | 148.94M | 143.97M |
| Net Income | 16.54M | (6.65M) | 18.64M | 31.80M | 5.61M | (2.45M) | (2.75M) | (6.76M) | (54.47M) | (64.60M) | (42.40M) | (40.31M) |
| EPS | 0.17 | -0.07 | 0.19 | 0.33 | 0.06 | -0.03 | -0.03 | -0.07 | -0.62 | -0.74 | -0.50 | -0.48 |
| Free Cash Flow | (134.45M) | (140.29M) | 104.63M | (126.59M) | (124.53M) | (19.64M) | (114.34M) | 176.85M | 71.25M | 42.59M | (145.38M) | (110.66M) |
| FCF / Share | -1.39 | -1.45 | 1.07 | -1.31 | -1.30 | -0.21 | -1.24 | 1.96 | 0.81 | 0.49 | -1.70 | -1.31 |
| Operating CF | (136.63M) | (133.30M) | 108.55M | (122.63M) | (120.16M) | (13.49M) | (110.93M) | 179.34M | 73.58M | 44.34M | (143.71M) | (107.71M) |
| Total Assets | 3.17B | 2.96B | 2.97B | 2.90B | 2.48B | 2.30B | 2.37B | 1.81B | 1.82B | 1.93B | 2.02B | 2.00B |
| Total Debt | 2.03B | 1.98B | 1.85B | 1.90B | 1.47B | 1.38B | 1.45B | 940.72M | 969.10M | 1.06B | 1.10B | 1.10B |
| Cash & Equiv | 455.96M | 931.33M | 657.45M | 494.89M | 400.56M | 605.37M | 793.61M | 450.22M | 379.66M | 306.97M | 377.32M | 525.25M |
| Book Value | 797.49M | 733.17M | 798.82M | 743.72M | 722.01M | 676.64M | 633.22M | 595.54M | 594.71M | 612.80M | 635.30M | 640.76M |
| Return on Equity | 0.02 | -0.01 | 0.02 | 0.04 | 0.01 | -0.00 | -0.00 | -0.01 | -0.09 | -0.11 | -0.07 | -0.06 |
UPST News
Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026
Is Upstart Stock a Buy After Falling 55% This Year? Here's What to Know as One Insider Disposes of Shares
An Upstart Insider Filing Involves $216,000. Here's How It Connects to a New Bank Charter
Upstart's CFO Sold Stock as the Company Returned to Profit. Here's What to Know
SoFi Climbs 6%, Upstart Jumps 8%, Affirm Rises 7% as Fintech Names Rebound With Bond Market Catalyst
SoFi vs. Upstart: Which Fintech Lending Stock Fits Your Portfolio Best?
Upstart CEO Outlines AI Lending Growth Push, Targets Profitable Home and Auto Expansion
PGY vs. UPST: Which AI Credit Stock Is the Better Investment Option?
91% of Upstart's Loans Were Fully Automated Last Quarter. No Bank Can Underwrite That Cheaply.
Prediction: This Artificial Intelligence (AI) Stock Is Going to Double by 2027