UPST
Upstart Holdings, Inc.
$32.74
-0.49
(-1.47%)
Mkt Cap
3.13B
Volume
2,597,164
52W Range
23.965-87.3
Sector
Financial Services
Beta
2.27
EPS (TTM)
0.51
P/E Ratio
64.18
Revenue (TTM)
1.16B
Rev Growth (5Y)
+36.1%
EPS Growth (5Y)
+15.7%
AlphaVal · Fair Value
What we estimate one share is worth
$15.34
Overvalued
strong signal
113.5% above fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
D-
Banks, Insurers & Asset Managers
28.0 / 100 composite
A bank, insurer or asset manager — graded A–F vs. similar companies.
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 | 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
Upstart Holdings Inc (UPST) Stock Up 4.5% and Still Undervalued -- GF Score: 61/100
Upstart Holdings, Inc. (UPST) Registers a Bigger Fall Than the Market: Important Facts to Note
Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Upstart Stock Analysis: Buy or Sell This AI Stock?
Upstart to Announce Second Quarter 2026 Results on August 4, 2026
Stock Market Today, July 6: Southeast Asian Mobility Upstart Grab Falls as Uber CEO Exits Board
Fintech Stocks in Focus as AI and Digital Payments Reshape Finance
Upstart Publishes June 2026 Origination Volume
Upstart: Promising Recovery Set Up Despite Potentially Lumpy Q2 2026; Reiterate Buy
Upstart Stock Outlook Hinges on Funding, AI and Product Mix