Symbols / UPST Stock $32.74 +3.67% Upstart Holdings, Inc.

Financial Services • Credit Services • United States • NMS
UPST (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. David J. Girouard
Exch · Country NMS · United States
Market Cap 3.13B
Enterprise Value 4.45B
Income 53.60M
Sales 1.08B
FCF (ttm) -275.45M
Book/sh 8.15
Cash/sh 6.71
Employees 1,405
Insider 10d —
IPO Dec 16, 2020
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 72.76
Forward P/E 10.31
PEG —
P/S 2.91
P/B 4.02
P/C —
EV/EBITDA 44.89
EV/Sales 4.14
Quick Ratio 4.14
Current Ratio 13.10
Debt/Eq 237.46
LT Debt/Eq —
EPS (ttm) 0.45
EPS next Y 3.18
EPS Growth —
Revenue Growth 34.40%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-05
Earnings (prior) 2026-02-10
ROA 1.74%
ROE 7.49%
ROIC —
Gross Margin 82.48%
Oper. Margin 8.88%
Profit Margin 4.98%
Shs Outstand 95.71M
Shs Float 80.33M
Insider Own 12.93%
Instit Own 68.98%
Short Float 33.40%
Short Ratio 6.02
Short Interest 27.87M
52W High 87.30
vs 52W High -62.50%
52W Low 23.96
vs 52W Low 36.62%
Beta 2.16
Impl. Vol. 1.44%
Rel Volume 0.68
Avg Volume 5.31M
Volume 3.61M
Target (mean) $43.93
Tgt Median $43.00
Tgt Low $20.00
Tgt High $80.00
# Analysts 15
Recom Buy
Prev Close $31.58
Price $32.74
Change 3.67%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$43.93
Mean price target
2. Current target
$32.74
Latest analyst target
3. DCF / Fair value
$-51.80
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$32.74
Low
$20.00
High
$80.00
Mean
$43.93

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 reit BTIG Buy → Buy $43
2026-03-26 main Mizuho Outperform → Outperform $51
2026-03-16 up BTIG Neutral → Buy $43
2026-03-11 reit Needham Buy → Buy $40
2026-03-04 main Needham Buy → Buy $40
2026-02-18 reit Citizens Market Underperform → Market Underperform $20
2026-02-17 up Compass Point Sell → Neutral $30
2026-02-13 up Goldman Sachs Sell → Neutral $35
2026-02-13 down Citizens Market Perform → Market Underperform $20
2026-02-11 reit Needham Buy → Buy $56
2026-02-11 main Truist Securities Buy → Buy $49
2026-01-06 init Truist Securities — → Buy $59
2025-11-05 main Citigroup Buy → Buy $80
2025-11-05 main JP Morgan Overweight → Overweight $65
2025-11-05 main Piper Sandler Overweight → Overweight $56
2025-11-05 main Stephens & Co. Equal-Weight → Equal-Weight $40
2025-11-05 reit BTIG Neutral → Neutral —
2025-11-05 main Needham Buy → Buy $56
2025-11-05 main B of A Securities Neutral → Neutral $71
2025-10-13 main Goldman Sachs Sell → Sell $54
News
RSS: Latest UPST news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-02 MIRGORODSKAYA NATALIA Officer — 390 $26.02 $10,148
2026-02-27 DATTA SANJAY President — 61,670 $0.00 $0
2026-02-27 MIRGORODSKAYA NATALIA Officer — 9,375 $0.00 $0
2026-02-27 DARLING SCOTT L Officer — 24,668 $0.00 $0
2026-02-25 MIRGORODSKAYA NATALIA Officer — 866 $28.79 $24,932
2026-02-20 DATTA SANJAY Chief Financial Officer — 7,982 $29.86 $238,375
2026-02-20 MIRGORODSKAYA NATALIA Officer — 633 $29.90 $18,925
2026-02-20 DARLING SCOTT L Officer — 6,868 $29.85 $205,192
2026-01-22 DARLING SCOTT L Officer — 7,564 $13.22 $99,996
2026-01-12 BERNARD PETER Director — 834 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,023.99
+62.84%
628.83
+23.76%
508.12
-39.35%
837.76
Operating Revenue
1,023.99
+62.84%
628.83
+23.76%
508.12
-39.35%
837.76
Selling General And Administration
743.62
+33.81%
555.73
+13.43%
489.95
-31.86%
719.06
Selling And Marketing Expense
301.51
+80.76%
166.80
+31.19%
127.14
-63.23%
345.78
General And Administrative Expense
442.12
+13.67%
388.93
+7.20%
362.81
-2.81%
373.28
Salaries And Wages
188.38
+19.23%
158.00
+5.04%
150.42
-19.99%
187.99
Other Gand A
253.74
+9.88%
230.94
+8.73%
212.39
+14.62%
185.29
Reconciled Depreciation
24.84
+20.86%
20.55
-17.48%
24.90
+84.29%
13.51
Total Unusual Items
7.25
-75.00%
28.98
+295.82%
-14.80
0.00
Total Unusual Items Excluding Goodwill
7.25
-75.00%
28.98
+295.82%
-14.80
0.00
Special Income Charges
7.25
-75.00%
28.98
+295.82%
-14.80
0.00
Other Special Charges
—
—
-0.74
—
Restructuring And Mergern Acquisition
0.00
-100.00%
4.38
-71.79%
15.54
0.00
Net Income
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Pretax Income
54.33
+142.31%
-128.40
+46.51%
-240.03
-120.06%
-109.07
Net Interest Income
152.69
+10.46%
138.23
+6.83%
129.40
+43.69%
90.05
Interest Expense
51.54
+7.08%
48.13
+21.53%
39.60
+155.04%
15.53
Interest Income
204.23
+9.59%
186.36
+10.27%
169.00
+60.06%
105.58
Other Non Operating Income Expenses
24.32
+29.43%
18.79
-11.38%
21.21
+123.86%
9.47
Gain On Sale Of Security
-78.72
+45.66%
-144.87
+19.95%
-180.97
-13.42%
-159.56
Tax Provision
0.73
+293.51%
0.18
+72.90%
0.11
+126.16%
-0.41
Tax Rate For Calcs
0.00
-93.62%
0.00
+0.00%
0.00
+5500.00%
0.00
Tax Effect Of Unusual Items
0.10
-98.40%
6.09
+295.82%
-3.11
0.00
Net Income Including Noncontrolling Interests
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Net Income From Continuing Operation Net Minority Interest
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Net Income From Continuing And Discontinued Operation
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Net Income Continuous Operations
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Minority Interests
—
—
—
0.00
Normalized Income
46.45
+130.67%
-151.47
+33.69%
-228.44
-110.22%
-108.67
Net Income Common Stockholders
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Diluted EPS
0.45
+131.25%
-1.44
+49.83%
-2.87
-119.08%
-1.31
Basic EPS
0.56
+138.89%
-1.44
+49.83%
-2.87
-119.08%
-1.31
Basic Average Shares
96.03
+7.36%
89.45
+6.79%
83.77
+1.20%
82.77
Diluted Average Shares
107.49
+20.17%
89.45
+6.79%
83.77
+1.20%
82.77
Diluted NI Availto Com Stockholders
48.72
+137.89%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Average Dilution Earnings
-4.88
0.00
0.00
—
Other Non Interest Expense
257.60
+3.34%
249.27
-5.79%
264.60
+11.53%
237.25
Line Item Trend 2023-12-31
Total Assets
2,017.10
Cash And Cash Equivalents
377.32
Cash Financial
368.40
Receivables
55.34
Accounts Receivable
40.49
Other Receivables
—
Prepaid Assets
17.98
Net PPE
97.35
Gross PPE
134.80
Accumulated Depreciation
-37.45
Machinery Furniture Equipment
65.82
Other Properties
54.69
Leases
14.28
Goodwill And Other Intangible Assets
78.42
Goodwill
67.06
Other Intangible Assets
11.36
Investments And Advances
41.25
Total Liabilities Net Minority Interest
1,381.80
Payables And Accrued Expenses
265.87
Payables
207.61
Accounts Payable
12.61
Other Payable
195.00
Current Accrued Expenses
58.26
Current Debt And Capital Lease Obligation
387.43
Current Debt
387.43
Long Term Debt And Capital Lease Obligation
715.32
Long Term Debt
653.00
Long Term Capital Lease Obligation
62.32
Stockholders Equity
635.30
Common Stock Equity
635.30
Capital Stock
0.01
Common Stock
0.01
Share Issued
86.33
Ordinary Shares Number
86.33
Treasury Shares Number
0.00
Additional Paid In Capital
917.87
Retained Earnings
-282.58
Total Equity Gross Minority Interest
635.30
Total Capitalization
1,288.30
Invested Capital
1,675.73
Total Debt
1,102.75
Net Debt
663.10
Capital Lease Obligations
62.32
Net Tangible Assets
556.89
Tangible Book Value
556.89
Available For Sale Securities
41.25
Cash Cash Equivalents And Federal Funds Sold
476.71
Line Of Credit
387.43
Notes Receivable
14.85
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-147.72
-179.28%
186.33
+266.80%
-111.71
+83.02%
-657.86
Cash Flow From Continuing Operating Activities
-147.72
-179.28%
186.33
+266.80%
-111.71
+83.02%
-657.86
Net Income From Continuing Operations
53.60
+141.69%
-128.58
+46.45%
-240.13
-120.98%
-108.67
Depreciation Amortization Depletion
24.84
+20.86%
20.55
-17.48%
24.90
+84.29%
13.51
Depreciation And Amortization
24.84
+20.86%
20.55
-17.48%
24.90
+84.29%
13.51
Other Non Cash Items
-370.59
-338.22%
155.57
+413.22%
-49.67
+92.65%
-675.80
Stock Based Compensation
131.95
-1.09%
133.40
-23.79%
175.04
+38.98%
125.94
Operating Gains Losses
-7.25
+78.28%
-33.36
—
—
Unrealized Gain Loss On Investment Securities
-6.92
-267.58%
4.13
+292.54%
-2.15
+72.54%
-7.81
Change In Working Capital
26.64
-23.06%
34.63
+275.68%
-19.71
-290.68%
-5.04
Change In Payables And Accrued Expense
39.56
-10.35%
44.12
+1215.37%
-3.96
+79.63%
-19.42
Change In Accrued Expense
39.56
-10.35%
44.12
+1215.37%
-3.96
+79.63%
-19.42
Change In Payable
—
—
-49.12
-893.65%
-4.94
Change In Account Payable
—
—
-6.13
-151.58%
11.88
Change In Other Working Capital
-2.08
-158.24%
-0.81
+88.17%
-6.82
-166.86%
10.20
Change In Other Current Assets
-10.83
-24.64%
-8.69
+2.71%
-8.93
-314.04%
4.17
Change In Other Current Liabilities
—
—
2.17
+106.94%
-31.30
Investing Cash Flow
-177.17
+25.47%
-237.73
-100.69%
-118.45
-3.79%
-114.12
Cash Flow From Continuing Investing Activities
-177.17
+25.47%
-237.73
-100.69%
-118.45
-3.79%
-114.12
Net PPE Purchase And Sale
-0.35
+58.54%
-0.84
+45.19%
-1.53
+82.70%
-8.82
Purchase Of PPE
-0.35
+58.54%
-0.84
+45.19%
-1.53
+82.70%
-8.82
Capital Expenditure
-18.41
-84.25%
-9.99
+17.34%
-12.09
+47.25%
-22.91
Capital Expenditure Reported
-18.06
-97.31%
-9.15
+13.32%
-10.56
+25.05%
-14.09
Net Investment Purchase And Sale
—
11.93
0.00
+100.00%
-6.25
Purchase Of Investment
—
0.00
0.00
+100.00%
-6.25
Sale Of Investment
—
11.93
—
0.00
Net Business Purchase And Sale
—
11.93
0.00
0.00
Purchase Of Business
—
—
0.00
0.00
Net Other Investing Changes
162.51
+425.64%
-49.91
+5.06%
-52.56
-880.34%
6.74
Financing Cash Flow
405.64
-27.55%
559.87
+238.32%
165.49
+46.18%
113.21
Cash Flow From Continuing Financing Activities
405.64
-27.55%
559.87
+238.32%
165.49
+46.18%
113.21
Net Issuance Payments Of Debt
390.64
-30.57%
562.66
+191.58%
192.97
-32.98%
287.92
Issuance Of Debt
972.49
-25.23%
1,300.72
+64.19%
792.23
+15.01%
688.81
Repayment Of Debt
-581.84
+21.17%
-738.06
-23.16%
-599.26
-49.48%
-400.90
Long Term Debt Issuance
972.49
-25.23%
1,300.72
+64.19%
792.23
+15.01%
688.81
Long Term Debt Payments
-581.84
+21.17%
-738.06
-23.16%
-599.26
-49.48%
-400.90
Net Long Term Debt Issuance
390.64
-30.57%
562.66
+191.58%
192.97
-32.98%
287.92
Net Common Stock Issuance
—
0.00
0.00
+100.00%
-177.88
Common Stock Payments
—
0.00
0.00
+100.00%
-177.88
Repurchase Of Capital Stock
—
0.00
0.00
+100.00%
-177.88
Proceeds From Stock Option Exercised
25.30
-12.99%
29.08
+36.53%
21.30
+6.40%
20.02
Net Other Financing Charges
-10.30
+67.67%
-31.86
+34.68%
-48.78
-189.73%
-16.84
Changes In Cash
80.75
-84.12%
508.48
+886.14%
-64.68
+90.18%
-658.77
Beginning Cash Position
976.26
+108.70%
467.79
-12.15%
532.47
-55.30%
1,191.24
End Cash Position
1,057.01
+8.27%
976.26
+108.70%
467.79
-12.15%
532.47
Free Cash Flow
-166.13
-194.21%
176.34
+242.44%
-123.80
+81.82%
-680.77
Interest Paid Supplemental Data
43.48
+0.84%
43.12
+17.98%
36.55
+193.01%
12.47
Income Tax Paid Supplemental Data
0.59
+128.68%
0.26
—
0.33
Common Stock Issuance
—
—
0.00
0.00
Issuance Of Capital Stock
—
—
0.00
0.00
Net Preferred Stock Issuance
—
—
—
—
Preferred Stock Issuance
—
—
—
—
Preferred Stock Payments
—
—
—
—
Sale Of Business
—
11.93
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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