Upstart Holdings, Inc. logo UPST - Upstart Holdings, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 10
HOLD 10
SELL 2
STRONG
SELL
0
| PRICE TARGET: $38.29 DETAILS
HIGH: $46.00
LOW: $30.00
MEDIAN: $37.00
CONSENSUS: $38.29
UPSIDE: 34.07%
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1 2019 Q4 2019 Q3
Revenue
Revenue 308.2 304.2 285.9 265.1 220.4 226.4 173.0 139.1 138.5 148.9 144.0 140.0 110.1 146.8 160.3 230.5 311.1 304.2 228.7 195.4 122.4 78.7 64.2 19.6 67.5 68.1 49.5
Cost of Revenue 5.9 27.9 8.8 7.8 7.0 15.1 10.8 11.5 10.7 14.1 9.4 4.3 7.1 4.5 3.0 2.3 1.0 0.5 0.3 1.5 1.0 1.1 1.4 2.3 3.3 4.4 6.7
Gross Profit 302.4 276.2 277.1 257.3 213.4 211.3 162.1 127.6 127.8 134.9 134.6 135.8 102.9 142.2 157.2 228.2 310.1 303.7 228.4 193.9 121.3 77.7 62.8 17.3 64.3 63.8 42.8
Operating Expenses
R&D Expenses 80.1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5.1
SG&A Expenses 180.5 210.3 189.4 183.9 160.0 156.5 142.4 124.7 132.2 130.7 123.5 111.1 124.7 141.4 149.1 203.2 225.3 196.7 162.8 126.2 86.8 62.2 43.2 21.1 56.4 51.8 35.7
Other Expenses 49.2 46.8 55.8 67.7 55.8 57.4 26.4 57.4 60.2 46.5 51.4 52.8 107.5 56.6 64.3 54.8 52.1 47.7 37.8 31.4 24.2 14.1 9.9 2.4 6.9 7.1 0
Operating Expenses 309.9 257.1 245.2 251.6 215.8 213.9 168.9 182.1 192.4 177.2 174.9 163.9 232.2 198.0 213.4 258.0 277.4 244.4 200.6 157.7 111.0 76.3 53.1 23.4 63.3 58.9 43.0
Operating Income
Operating Income (7.5) 19.2 31.9 5.7 (2.4) (2.6) (6.7) (54.5) (64.6) (42.3) (40.3) (28.1) (129.2) (55.7) (56.2) (29.8) 32.7 59.3 27.8 36.3 10.3 1.4 9.7 (6.1) 1.0 4.9 2.0
Interest Expense (10.4) 27.9 8.8 7.8 7.0 15.1 10.8 11.5 10.7 14.1 9.4 4.3 7.1 4.5 3.0 2.3 1.0 0.5 0.3 1.5 1.0 1.1 1.4 2.3 3.3 4.4 0
Interest Income 0 60.8 57.2 45.6 40.6 41.5 40.8 52.9 51.2 52.1 37.7 33.9 45.3 39.3 22.2 29.0 15.1 8.6 5.1 3.5 3.4 3.7 5.8 7.7 9.2 12.0 0
Profitability
EBITDA (1.7) 25.6 38.1 11.5 4.0 2.1 (1.3) (49.6) (59.0) (33.2) (35.4) (23.7) (122.8) (52.1) (52.5) (26.5) 35.5 61.8 30.0 38.3 11.1 2.0 10.2 (5.6) 1.5 5.4 2.1
EBIT (7.5) 19.2 31.9 5.7 (2.4) (2.6) (6.7) (54.5) (64.6) (42.3) (40.3) (28.1) (129.2) (55.7) (56.2) (29.8) 32.7 59.3 27.8 36.3 10.3 1.4 9.7 (6.1) 1.0 4.9 2.0
Income Before Tax (6.6) 19.2 31.9 5.7 (2.4) (2.6) (6.7) (54.5) (64.6) (42.3) (40.3) (28.1) (129.2) (55.7) (56.2) (29.8) 32.7 59.3 27.8 36.3 10.3 1.4 9.7 (6.1) 1.0 4.9 (0.2)
Income Tax Expense 0.1 0.5 0.1 0.0 0.0 0.1 0.0 0.0 0.0 0.1 0.0 0.0 0.0 (0.5) 0.0 0.0 0.0 0.3 (1.3) (1.0) 0.2 0.4 0 0 0 0.1 0
Net Income (6.6) 18.6 31.8 5.6 (2.4) (2.8) (6.8) (54.5) (64.6) (42.4) (40.3) (28.2) (129.3) (55.3) (56.2) (29.9) 32.7 58.9 29.1 37.3 10.1 1.0 9.7 (6.2) 1.5 6.1 (0.3)
Per Share Data
EPS (Basic) -0.07 0.19 0.33 0.06 -0.03 -0.03 -0.07 -0.62 -0.74 -0.50 -0.48 -0.34 -1.58 -0.67 -0.69 -0.36 0.34 0.71 0.37 0.49 0.14 0.04 0.12 -0.28 0.10 0.42 -0.02
EPS (Diluted) -0.07 0.17 0.25 0.05 -0.03 -0.03 -0.07 -0.62 -0.74 -0.50 -0.48 -0.34 -1.58 -0.67 -0.69 -0.36 0.34 0.60 0.30 0.39 0.11 0.04 0.10 -0.22 0.10 0.42 -0.02
Shares Outstanding 96.9 97.6 96.7 95.5 94.3 92.2 90.1 88.4 87.0 85.6 84.4 83.1 81.9 82.2 81.5 83.0 95.5 98.3 96.1 94.8 91.4 26.0 17.6 11.5 14.6 14.4 14.3
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2019 Q4
Current Assets
Cash & Cash Equivalents 931.3 657.4 494.9 400.6 605.4 793.6 450.2 379.7 307.0 377.3 525.2 453.9 396.8 432.4 692.8 800.9 766.6 995.0 1,049.7 514.4 265.2 258.8 50.8
Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 0 97.4 120.3 99.4 62.5 70.3 87.9 60.0 54 55.3 44.0 50.0 48.0 52.8 53.3 50.8 55.0 63.8 40.5 44.7 34.2 30.7 42.4
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 404.6 347.1 305.5 239.8 187.8 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 931.3 1,199.1 992.8 832.4 935.7 1,080.6 557.7 457.8 384.0 450.6 590.3 521.5 466.8 502.0 769.7 874.1 850.5 1,088.8 1,108.1 574.1 313.6 295.5 98.5
Non-Current Assets
Property, Plant & Equipment 61.6 60.6 78.9 81.6 83.0 82.5 84.6 88.9 92.5 97.3 125.3 127.4 130.4 130.5 128.5 126.4 123.0 120.4 88.9 29.8 27.4 28.3 22.2
Goodwill 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 67.1 66.9 66.9 0 0 0
Intangible Assets 8.0 8.3 8.6 8.9 9.1 9.4 9.7 10.0 10.3 11.4 12.4 13.5 14.6 15.6 16.7 17.8 18.8 19.9 21.0 22.1 0 0 0
Long-Term Investments 1,838.6 1,025.8 1,272.0 1,061.2 857.1 849.4 699.5 867.0 1,128.1 1,203.6 1,023.4 889.2 1,023.5 1,051.7 741.5 664.8 639.0 292.5 169.6 82.3 57.2 78.5 232.3
Other Non-Current Assets 55.1 613.9 485.4 426.7 344.3 278.0 390.4 329.5 245.8 187.1 183.3 145.2 119.5 169.2 192.0 166.9 289.1 231.8 151.7 129.4 90.5 74.9 40.5
Total Non-Current Assets 2,030.3 1,775.7 1,912.0 1,645.5 1,360.6 1,286.4 1,251.3 1,362.4 1,543.7 1,566.5 1,411.5 1,242.2 1,355.0 1,434.1 1,145.6 1,042.9 1,137.1 731.7 498.0 330.5 175.0 181.8 295.0
Total Assets 2,961.7 2,974.8 2,904.8 2,477.9 2,296.3 2,367.0 1,809.0 1,820.2 1,927.7 2,017.1 2,001.8 1,763.7 1,821.7 1,936.1 1,915.3 1,917.0 1,987.6 1,820.5 1,606.1 904.6 488.6 477.3 393.5
Current Liabilities
Account Payables 22.7 32.0 11.8 28.8 13.3 12.4 22.6 13.9 10.0 12.6 7.0 6.9 6.6 18.7 10.9 22.0 10.3 6.6 9.4 17.3 8.1 13.8 6.6
Short-Term Debt 7.5 97.3 140.5 189.5 127.0 195.6 170.1 258.2 351.5 387.4 351.2 279.2 350.2 336.5 269.7 208.1 121.6 48.0 1.3 2.7 21.8 40.5 84.6
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 184.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Liabilities 230.8 401.0 377.8 449.6 350.5 457.8 259.4 315.7 396.9 458.3 399.2 323.4 389.1 400.5 330.4 285.0 201.6 140.1 67.2 69.3 56.0 79.1 111.9
Non-Current Liabilities
Long-Term Debt 1,960.0 1,731.8 1,715.2 1,238.9 1,207.9 1,206.6 717.3 654.5 653.8 653.0 652.2 651.5 650.7 649.9 649.2 648.4 647.7 647.4 647.9 3.3 20.1 22.1 34.0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 26.8 22.0 27.6 23.5 14.2 19.1 183.4 198.9 204.8 208.2 216.2 54.4 55.6 112.4 117.7 126.7 161.7 125.5 99.7 98.1 73.3 56.4 292.2
Total Non-Current Liabilities 1,997.7 1,775.0 1,783.4 1,306.3 1,269.1 1,276.0 954.0 909.8 917.9 923.5 961.8 802.1 805.4 863.1 866.3 875.0 909.5 873.3 819.8 119.2 112.0 97.9 343.2
Total Liabilities 2,228.5 2,176.0 2,161.1 1,755.9 1,619.6 1,733.7 1,213.4 1,225.5 1,314.9 1,381.8 1,361.0 1,125.6 1,194.5 1,263.6 1,196.7 1,159.9 1,111.1 1,013.4 887.0 188.5 168.0 177.0 455.1
Stockholders' Equity
Common Stock 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Retained Earnings (364.2) (357.6) (376.2) (408.0) (413.6) (411.2) (408.4) (401.6) (347.2) (282.6) (240.2) (199.9) (171.7) (42.4) 12.8 69.0 98.9 66.2 7.3 (21.8) (59.1) (69.2) (75.2)
Accumulated Other Comprehensive Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Stockholders' Equity 733.2 798.8 743.7 722.0 676.6 633.2 595.5 594.7 612.8 635.3 640.8 638.1 627.2 672.4 718.6 757.1 876.5 807.1 719.1 716.1 320.6 300.3 (62.7)
Total Liabilities & Equity 2,961.7 2,974.8 2,904.8 2,477.9 2,296.3 2,367.0 1,809.0 1,820.2 1,927.7 2,017.1 2,001.8 1,763.7 1,821.7 1,936.1 1,915.3 1,917.0 1,987.6 1,820.5 1,606.1 904.6 488.6 477.3 393.5
Debt Metrics
Total Debt 1,978.4 1,850.3 1,896.3 1,472.3 1,381.9 1,452.4 940.7 969.1 1,064.6 1,102.7 1,096.7 1,026.9 1,099.9 1,087.2 1,018.3 956.4 869.3 795.8 721.4 23.8 60.5 82.1 135.7
Net Debt 1,047.1 1,192.8 1,401.4 1,071.8 776.6 658.8 490.5 589.4 757.7 725.4 571.5 573.0 703.1 654.8 325.6 155.6 102.6 (199.2) (328.3) (490.6) (204.7) (176.7) 84.9
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1 2019 Q4 2019 Q3
Operating Activities
Net Income (6.6) 18.6 31.8 5.6 (2.4) (2.8) (6.8) (54.5) (64.6) (42.4) (40.3) (28.2) (129.3) (55.3) (56.2) (29.9) 32.7 58.9 29.1 37.3 10.1 1.0 9.7 (6.1) 1.0 4.9 (0.3)
Depreciation & Amortization 5.9 6.5 6.1 5.8 6.4 4.7 5.4 4.8 5.6 9.1 4.9 4.4 6.4 3.7 3.7 3.4 2.8 2.6 2.2 2.0 0.8 0.6 0.6 0.5 0.5 0.5 0
Stock-Based Compensation 34.8 32.5 34.2 35.5 29.8 29.8 33.6 34.2 35.8 32.8 35.6 32.6 74.1 33.9 36.7 30.3 25.1 0 0 0 8.6 4.4 2.6 2.5 2.0 1.6 0.8
Change in Working Capital (44.9) 44.7 (14.0) 38.6 (42.7) 18.7 23.7 19.1 (26.9) 5.8 4.3 51.6 (79.5) (2.5) (26.1) (27.7) 34.4 (99.6) (5.0) 39.4 0.0 8.2 3.0 11.8 (11.8) 2.6 0
Other Non-Cash Items (122.4) 6.3 (180.8) (205.7) (4.6) (161.4) 123.3 69.9 94.4 (149.0) (112.2) 156.9 52.5 (232.7) (59.4) (29.8) (361.7) 11.2 17.3 14.1 23.5 44.0 (2.7) 4.9 (90.2) 1.1 (0.5)
Operating Cash Flow (133.3) 108.6 (122.6) (120.2) (13.5) (110.9) 179.3 73.6 44.3 (143.7) (107.7) 217.3 (75.7) (252.9) (101.4) (53.6) (266.8) (26.9) 43.6 92.8 43.1 68.5 17.7 16.0 (86.5) 10.6 0
Investing Activities
Capital Expenditure (7.0) (3.9) (4.0) (4.4) (6.2) (3.4) (2.5) (2.3) (1.7) (1.7) (2.9) (2.0) (5.5) (5.0) (5.5) (7.1) (5.3) (3.5) (3.0) (1.7) (0.6) (1.4) (1.7) (1.2) (1.4) (4.0) 0
Acquisitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (0.2) 0 (16.6) 0 (82.2) 0 0 0 0 0
Purchases of Investments 0 0 0 0 0 0 0 0 (16.9) (17.4) (13.1) (26.4) 0 (5.2) 0 0 (1) (66.7) (90.2) (29.6) 0 (9.7) 0 0 0 (0.5) 0
Sales/Maturities of Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 50.4 8.3 5.9 0 97.3 0 0 0 3.7 0
Other Investing Activities 3.6 131.9 (120.4) (109.7) (72.4) (74.5) (46.1) (76.1) (19.9) (12.3) (11.0) (12.0) (24.7) (78.1) (22.7) (6.0) 7.8 2.3 2.8 3.2 1.2 4.6 5.8 16.1 110.1 (7.6) 0
Investing Cash Flow 0.9 131.7 (120.5) (109.8) (78.6) (77.9) (46.2) (76.1) (37.5) (29.9) (24.2) (38.5) (25.9) (85.1) (24.2) (9.9) 5.2 (19.8) (84.4) (40.6) 0.9 8.8 4.1 14.9 108.7 (8.1) 0
Financing Activities
Net Debt Issuance 83.7 (36.8) 425.8 81.7 (80.1) 503.3 (4.7) 113.5 (49.5) 23.0 227.3 (71.0) 13.7 66.7 61.6 86.6 73.0 61.2 642.6 (35.9) (20.8) (38.0) (7.2) (7.1) (29.9) (21.0) 0
Stock Repurchased (100.1) 0 0 0 0 0 0 0 0 0 0 0 0 (27.8) (25.0) 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Financing Activities 17.9 14.3 (55.6) 8.6 22.5 (3.1) (33.3) 10.4 14.1 3.4 9.8 (49.8) 7.3 1.6 4.5 (121.3) 10.1 0 (58.5) 263.7 1.5 161.3 0.3 (0.2) (0.2) (0.8) 0
Financing Cash Flow 6.7 (20.2) 378.6 91.9 (44.7) 509.3 (38.0) 124.0 (35.4) 26.4 237.1 (120.8) 21.0 40.5 41.1 (34.7) 83.1 66.1 595.0 229.3 (19.3) 123.4 (6.9) (7.3) (30.1) (22.5) 0
Cash Position
Net Change in Cash (125.7) 220.1 135.4 (138.1) (136.7) 320.5 95.1 121.5 (28.6) (147.2) 105.1 58.0 (80.6) (297.5) (84.5) (98.3) (178.5) 19.5 554.2 281.5 24.7 200.7 14.9 23.6 (7.9) (20.0) 0
Cash at Beginning 1,057.0 836.9 701.5 839.5 976.3 655.8 560.6 439.2 467.8 615.0 509.9 451.9 532.5 829.9 914.4 1,012.7 1,191.2 1,171.8 617.5 336.1 311.3 110.6 95.7 72.2 80.1 100.1 0
Cash at End 931.3 1,057.0 836.9 701.5 839.5 976.3 655.8 560.6 439.2 467.8 615.0 509.9 451.9 532.5 829.9 914.4 1,012.7 1,191.2 1,171.8 617.5 336.1 311.3 110.6 95.7 72.2 80.1 0
Free Cash Flow (140.3) 104.6 (126.6) (124.5) (19.6) (114.3) 176.8 71.3 42.6 (145.4) (110.7) 215.3 (81.2) (257.9) (106.9) (60.8) (272.1) (30.3) 40.6 91.1 42.5 67.2 16.0 14.8 (87.9) 6.5 0
Key Metrics 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1 2020 Q4 2020 Q3 2020 Q2 2020 Q1 2019 Q4 2019 Q3
Income Statement
Revenue 308.2 304.2 285.9 265.1 220.4 226.4 173.0 139.1 138.5 148.9 144.0 140.0 110.1 146.8 160.3 230.5 311.1 304.2 228.7 195.4 122.4 78.7 64.2 19.6 67.5 68.1 49.5
Gross Profit 302.4 276.2 277.1 257.3 213.4 211.3 162.1 127.6 127.8 134.9 134.6 135.8 102.9 142.2 157.2 228.2 310.1 303.7 228.4 193.9 121.3 77.7 62.8 17.3 64.3 63.8 42.8
Operating Income (7.5) 19.2 31.9 5.7 (2.4) (2.6) (6.7) (54.5) (64.6) (42.3) (40.3) (28.1) (129.2) (55.7) (56.2) (29.8) 32.7 59.3 27.8 36.3 10.3 1.4 9.7 (6.1) 1.0 4.9 2.0
Net Income (6.6) 18.6 31.8 5.6 (2.4) (2.8) (6.8) (54.5) (64.6) (42.4) (40.3) (28.2) (129.3) (55.3) (56.2) (29.9) 32.7 58.9 29.1 37.3 10.1 1.0 9.7 (6.2) 1.5 6.1 (0.3)
EPS (Diluted) -0.07 0.17 0.25 0.05 -0.03 -0.03 -0.07 -0.62 -0.74 -0.50 -0.48 -0.34 -1.58 -0.67 -0.69 -0.36 0.34 0.60 0.30 0.39 0.11 0.04 0.10 -0.22 0.10 0.42 -0.02
Balance Sheet
Cash & Equivalents 931.3 657.4 494.9 400.6 605.4 793.6 450.2 379.7 307.0 377.3 525.2 453.9 396.8 432.4 692.8 800.9 766.6 995.0 1,049.7 514.4 265.2 258.8 50.8
Total Assets 2,961.7 2,974.8 2,904.8 2,477.9 2,296.3 2,367.0 1,809.0 1,820.2 1,927.7 2,017.1 2,001.8 1,763.7 1,821.7 1,936.1 1,915.3 1,917.0 1,987.6 1,820.5 1,606.1 904.6 488.6 477.3 393.5
Total Debt 1,978.4 1,850.3 1,896.3 1,472.3 1,381.9 1,452.4 940.7 969.1 1,064.6 1,102.7 1,096.7 1,026.9 1,099.9 1,087.2 1,018.3 956.4 869.3 795.8 721.4 23.8 60.5 82.1 135.7
Stockholders' Equity 733.2 798.8 743.7 722.0 676.6 633.2 595.5 594.7 612.8 635.3 640.8 638.1 627.2 672.4 718.6 757.1 876.5 807.1 719.1 716.1 320.6 300.3 (62.7)
Cash Flow
Operating Cash Flow (133.3) 108.6 (122.6) (120.2) (13.5) (110.9) 179.3 73.6 44.3 (143.7) (107.7) 217.3 (75.7) (252.9) (101.4) (53.6) (266.8) (26.9) 43.6 92.8 43.1 68.5 17.7 16.0 (86.5) 10.6 0
Capital Expenditure (7.0) (3.9) (4.0) (4.4) (6.2) (3.4) (2.5) (2.3) (1.7) (1.7) (2.9) (2.0) (5.5) (5.0) (5.5) (7.1) (5.3) (3.5) (3.0) (1.7) (0.6) (1.4) (1.7) (1.2) (1.4) (4.0) 0
Free Cash Flow (140.3) 104.6 (126.6) (124.5) (19.6) (114.3) 176.8 71.3 42.6 (145.4) (110.7) 215.3 (81.2) (257.9) (106.9) (60.8) (272.1) (30.3) 40.6 91.1 42.5 67.2 16.0 14.8 (87.9) 6.5 0