Upstart Holdings (UPST)
NasdaqMarket Closed
Upstart Holdings, Inc. is a financial technology company that operates an artificial intelligence-based lending marketplace for banks, credit unions, and consumers. Its platform is designed to evaluate borrower risk using a broader set of variables than traditional credit underwriting, with the aim of helping lending partners approve more qualified applicants while managing default risk. Upstart does not primarily operate as a balance-sheet lender; instead, it connects loan demand from consumers with funding and origination capacity from financial institutions and capital markets investors.
The company’s core business is personal lending, where borrowers use the platform to seek unsecured personal loans and smaller-dollar credit products. Upstart has also expanded into auto finance, including auto loan refinancing, retail auto lending, and secured personal loans backed by vehicles. Additional product areas include home equity lines of credit and other lending categories that extend the same AI-driven underwriting approach into new markets.
Upstart earns revenue from fees associated with loan referrals, platform usage, servicing, and related activities. Its performance is closely tied to consumer credit conditions, interest rates, funding availability, and the willingness of partner banks and investors to originate or purchase loans. The company stands out in the lending technology sector for its emphasis on machine learning models and automated borrower assessment, positioning itself as an alternative to conventional credit scoring systems.
Last updated
- Market Cap
- $2,816,791,476
- P/E
- 57.02
- P/FCF
- —
- P/S
- 2.82
- Enterprise Value
- $4,304,710,476
- Sector
- —
- Industry
- —
- Address
- 2950 S. DELAWARE STREET, SUITE 410, SAN MATEO, CA, 94403
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UPST IMPORTANT DEADLINE: ROSEN, SKILLED INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPST
ROSEN, A LEADING LAW FIRM, Encourages Veritone, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - VERI
UPST DEADLINE: ROSEN, A TOP RANKED LAW FIRM, Encourages Upstart Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPST
MEDPACE DEADLINE: ROSEN, TRUSTED INVESTOR COUNSEL, Encourages Medpace Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action - MEDP
Bronstein, Gewirtz & Grossman LLC Urges Upstart Holdings, Inc. Investors to Act: Class Action Filed Alleging Investor Harm
Pomerantz Law Firm Announces the Filing of a Class Action Against Upstart Holdings, Inc. and Certain Officers – UPST
UPST Investor Alert: Upstart Holdings Securities Fraud Lawsuit - Investors With Losses May Seek to Lead the Class Action After Executives Allegedly Inflated AI Projections: Levi & Korsinsky
GOSS DEADLINE NOTICE: ROSEN, RECOGNIZED INVESTOR COUNSEL, Encourages Gossamer Bio, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 1 Deadline in Securities Class Action – GOSS
UPST DEADLINE NOTICE: ROSEN, LEADING TRIAL ATTORNEYS, Encourages Upstart Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPST
UPST DEADLINE: The Gross Law Firm Reminds Upstart, Inc. Investors of Upcoming Securities Class Action Deadline
ROSEN, A TOP RANKED LAW FIRM, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPST
ROSEN, GLOBAL INVESTOR COUNSEL, Encourages Graphic Packaging Holding Company Investors to Secure Counsel Before Important Deadline in Securities Class Action – GPK
Bronstein, Gewirtz & Grossman LLC Urges Upstart Holdings, Inc. Investors to Act: Class Action Filed Alleging Investor Harm
ROSEN, A LONGSTANDING AND TRUSTED FIRM, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action – UPST
GOSSAMER DEADLINE: ROSEN, A LEADING INVESTOR RIGHTS LAW FIRM, Encourages Gossamer Bio, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important Deadline in Securities Class Action – GOSS
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- $2,816,791,476
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- $4,304,710,476
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 57.02
- P/B
P/B ratio compares a company's share price to its book value per share.
- 3.84
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 2.82
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- -27.54
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 4.32
- EPS
- 0.52
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.32%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- —
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- -$282,534,000
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 6.74%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 1.67%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 2.67
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 0.78
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 0.78
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.22
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- $3,839,339
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 29.43
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 277.06M | 202.24M | 277.11M | 240.78M | 185.48M |
| Cost of revenue | 0 | 0 | 0 | 0 | 0 |
| Gross profit | 277.06M | 202.24M | 277.11M | 240.78M | 185.48M |
| Operating income | -38.67M | -153.65M | 23.67M | -11.97M | -32.39M |
| EBITDA | -32.81M | -147.19M | 29.8M | -6.13M | -25.99M |
| Net income | -6.65M | 18.64M | 31.81M | 5.61M | -2.45M |
| Income taxes | 84K | 526K | 124K | 49K | 29K |
| Interest expense | -10.37M | -31.66M | — | -7.77M | -7.02M |
| Other operating expenses | 55.1M | 130.56M | 49.79M | 46.25M | 40.5M |
| Total operating expenses | 315.73M | 355.89M | 253.44M | 252.75M | 217.87M |
| Basic EPS | -0.07 | 0.19 | 0.33 | 0.06 | -0.03 |
| Diluted EPS | -0.07 | 0.17 | 0.23 | 0.05 | -0.03 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 2.96B | 2.97B | 2.9B | 2.48B | 2.3B |
| Total liabilities | 2.23B | 2.18B | 2.16B | 1.76B | 1.62B |
| Total equity | 733.17M | 798.82M | 743.72M | 722.01M | 676.64M |
| Cash & equivalents | 472.93M | 652.39M | 489.78M | 395.94M | 599.78M |
| Current assets | 1.7B | 1.85B | 1.72B | 1.42B | 1.41B |
| Current liabilities | 2.19B | 2.13B | 2.11B | 1.76B | 1.62B |
| Receivables | 1.23B | 1.19B | 1.23B | 1.02B | 814.68M |
| Goodwill | 67.06M | 67.06M | 67.06M | 67.06M | 67.06M |
| Long-term debt | 39.19M | 46.54M | 55.18M | — | — |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | -133.3M | 108.55M | -122.63M | -120.16M | -13.49M |
| Investing cash flow | 876K | 131.74M | -120.51M | -109.83M | -78.57M |
| Financing cash flow | 6.74M | -20.18M | 378.58M | 91.93M | -44.68M |
| Change in cash | -125.68M | 220.11M | 135.45M | -138.07M | -136.74M |
| Net income | -6.65M | 18.64M | 31.81M | 5.61M | -2.45M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | SCHEDULE 13G/A — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Datta Sanjay | View Filing | |
| edgar index | 3 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Wennes Timothy H | View Filing | |
| form 4 | Form 4 — Terry Hilliard C. III | View Filing | |
| form 4 | Form 4 — Cooper Kerry Whorton | View Filing | |
| form 4 | Form 4 — Cooper Kerry Whorton | View Filing | |
| form 4 | Form 4 — Cooper Kerry Whorton | View Filing | |
| form 4 | Form 4 — Hentges Mary | View Filing | |
| form 4 | Form 4 — O'Kelly Ciaran | View Filing | |
| form 4 | Form 4 — Bernard Peter J | View Filing | |
| edgar index | 8-K — Upstart Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Mirgorodskaya Natalia | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Darling Scott | View Filing | |
| form 4 | Form 4 — Darling Scott | View Filing | |
| form 4 | Form 4 — Datta Sanjay | View Filing | |
| form 4 | Form 4 — Mirgorodskaya Natalia | View Filing | |
| edgar index | 8-K — Upstart Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 144 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Darling Scott | View Filing | |
| form 4 | Form 4 — Darling Scott | View Filing | |
| form 4 | Form 4 — Darling Scott | View Filing | |
| form 4 | Form 4 — Datta Sanjay | View Filing | |
| form 4 | Form 4 — Datta Sanjay | View Filing | |
| form 4 | Form 4 — Mirgorodskaya Natalia | View Filing | |
| form 4 | Form 4 — Mirgorodskaya Natalia | View Filing | |
| form 4 | Form 4 — Blankmeyer Andrea | View Filing | |
| form 4 | Form 4 — Blankmeyer Andrea | View Filing | |
| form 4 | Form 4 — Blankmeyer Andrea | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Gu Paul | View Filing | |
| form 4 | Form 4 — Gu Paul | View Filing | |
| form 4 | Form 4 — Gu Paul | View Filing | |
| form 4 | Form 4 — Gu Paul | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| edgar index | 4 — Upstart Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing | |
| form 4 | Form 4 — Girouard Dave | View Filing |