UPST
Upstart Holdings, Inc.
$24.10
-0.09
(-0.37%)
Mkt Cap
2.31B
Volume
2,682,960
52W Range
22.555-55.22
Sector
Financial Services
Beta
2.17
EPS (TTM)
0.62 USD
P/E Ratio
38.78
Revenue (TTM)
1.29B 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
835.3% 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 | 377.24M | 318.58M | 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 Expands Credit Union Network With Denver Partnership
Credit Union of Denver Partners with Upstart to Expand Access to Personal Lending
Stock Picks From Seeking Alpha's September 2026 New Analysts
Upstart Holdings, Inc. (UPST) Stock Sinks As Market Gains: Here's Why
Upstart to Announce Third Quarter 2026 Results on November 3, 2026
Upstart Holdings Inc (UPST) Shares Surge 6.8% -- What GF Score of 66 Tells Investors
Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
Upstart Publishes September 2026 Originations and Latest UMI
Upstart Publishes September 2026 Originations and Latest UMI
Is Upstart Stock a Buy, Sell, or Hold At Its New 52-Week Low?