UPST
Upstart Holdings, Inc.
$28.56
-0.29
(-1.01%)
Mkt Cap
2.73B
Volume
3,230,530
52W Range
23.965-87.3
Sector
Financial Services
Beta
2.26
EPS (TTM)
0.51
P/E Ratio
55.99
Revenue (TTM)
1.16B
Rev Growth (5Y)
+36.1%
EPS Growth (5Y)
+15.7%
AlphaVal · Fair Value
$15.38
Overvalued · Strong
85.7% above fair value
AlphaQuality · Grade
D-
Banks, Insurers & Asset Managers
28.0 / 100 composite
Company Description
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company 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 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 308.21M | 304.17M | 285.90M | 265.06M | 220.39M | 226.40M | 172.96M | 139.10M | 138.51M | 148.94M | 143.97M | 140.05M |
| Net Income | (6.65M) | 18.64M | 31.80M | 5.61M | (2.45M) | (2.75M) | (6.76M) | (54.47M) | (64.60M) | (42.40M) | (40.31M) | (28.16M) |
| EPS | -0.07 | 0.19 | 0.33 | 0.06 | -0.03 | -0.03 | -0.07 | -0.62 | -0.74 | -0.50 | -0.48 | -0.34 |
| Free Cash Flow | (140.29M) | 104.63M | (126.59M) | (124.53M) | (19.64M) | (114.34M) | 176.85M | 71.25M | 42.59M | (145.38M) | (110.66M) | 215.31M |
| FCF / Share | -1.45 | 1.07 | -1.31 | -1.30 | -0.21 | -1.24 | 1.96 | 0.81 | 0.49 | -1.70 | -1.31 | 2.59 |
| Operating CF | (133.30M) | 108.55M | (122.63M) | (120.16M) | (13.49M) | (110.93M) | 179.34M | 73.58M | 44.34M | (143.71M) | (107.71M) | 217.32M |
| Total Assets | 2.96B | 2.97B | 2.90B | 2.48B | 2.30B | 2.37B | 1.81B | 1.82B | 1.93B | 2.02B | 2.00B | 1.76B |
| Total Debt | 1.98B | 1.85B | 1.90B | 1.47B | 1.38B | 1.45B | 940.72M | 969.10M | 1.06B | 1.10B | 1.10B | 1.03B |
| Cash & Equiv | 931.33M | 657.45M | 494.89M | 400.56M | 605.37M | 793.61M | 450.22M | 379.66M | 306.97M | 377.32M | 525.25M | 453.91M |
| Book Value | 733.17M | 798.82M | 743.72M | 722.01M | 676.64M | 633.22M | 595.54M | 594.71M | 612.80M | 635.30M | 640.76M | 638.14M |
| Return on Equity | -0.01 | 0.02 | 0.04 | 0.01 | -0.00 | -0.00 | -0.01 | -0.09 | -0.11 | -0.07 | -0.06 | -0.04 |
UPST News
UPST SHAREHOLDER ACTION REMINDER: Faruqi & Faruqi, LLP Reminds Upstart (UPST) Investors of Securities Class Action Deadline on June 8, 2026
UPST CLASS ACTION NOTICE: Faruqi & Faruqi, LLP Reminds Upstart (UPST) Investors of Securities Class Action Deadline on June 8, 2026
UPST Investors Have Opportunity to Lead Upstart Holdings, Inc. Securities Fraud Lawsuit with the Schall Law Firm
ROSEN, SKILLED INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action – UPST
Robbins LLP Encourages UPST Investors to Contact the Firm for Information About the Class Action Against Upstart Holdings, Inc.
Robbins LLP Encourages UPST Investors to Contact the Firm for Information About the Class Action Against Upstart Holdings, Inc.
Upstart: A Risky Bet or a Future Leader in Lending?
Upstart CFO to Participate in Fireside Chat at the Mizuho Technology Conference
Upstart Co-founder and CEO to Participate in Fireside Chat at the Morgan Stanley US Financials Conference
Pomerantz Law Firm Announces the Filing of a Class Action Against Upstart Holdings, Inc. and Certain Officers - UPST