Profile
| Metric | Value |
|---|---|
| Full Name | Upstart Holdings, Inc. |
| Ticker | NASDAQ: UPST |
| Exchange | NASDAQ |
| Sector | Financial Services |
| Industry | Credit Services |
| Country | United States |
| IPO | |
| Indexes | Not included |
| Website | upstart.com |
| Employees | 1,193 |
Key Metrics
| Metric | Date | Value |
|---|---|---|
| Price | $49.60 | |
| Price, 1D Change | -2.17% | |
| Market Cap | $5B | |
| - | ||
| PE Ratio | 217.83 | |
| Beta | 2.44 | |
| Revenue | $637M | |
| Revenue, 1Y Change | +23.94% | |
| EPS | -$1.44 | |
| EPS, 1Y Change | +49.86% |
Chart
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Series
SUGGESTED SERIES
Events
| Metric | Date | Value |
|---|---|---|
| Next Earnings | ||
| Last Qtr. Earnings | ||
| Last Ann. Earnings | ||
| Last Ex-Dividend | N/A | N/A |
| Next Ex-Dividend | N/A | N/A |
| Last Split | N/A | N/A |
| Next Split | N/A | N/A |
| Last Ticker Change | N/A | N/A |
| Next Ticker Change | N/A | N/A |
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Estimates
| Metric | Date | Value |
|---|---|---|
| EPS | -$1.44 | |
| EPS Estimate | $1.68 | |
| EPS Est. Change | +217.17% | |
| Revenue | $636.53M | |
| Revenue Estimate | $1.04B | |
| Revenue Est. Change | +62.82% | |
| Current Price | $49.60 | |
| Price Target | - | $56.00 |
| Price Tgt. Change | - | +12.90% |
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EPS
| Year | Estimate | Reported | Surprise / Exp. |
|---|---|---|---|
| -$0.58 | -$2.87 | -394.26% | |
| -$0.48 | -$1.44 | -198.55% | |
| $1.68 | N/A | +217.17% | |
| $2.40 | N/A | +267.05% |
Revenue
| Year | Estimate | Reported | Surprise / Exp. |
|---|---|---|---|
| $508.71M | $513.56M | +0.95% | |
| $599.08M | $636.53M | +6.25% | |
| $1.04B | N/A | +62.82% | |
| $1.26B | N/A | +98.58% |
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Performance
| Metric | Date | Value |
|---|---|---|
| Price, 1Y | -21.91% | |
| Price, 3Y | +278.92% | |
| Market Cap, 1Y | -18.73% | |
| Market Cap, 3Y | +353.65% | |
| Revenue, 1Y | +23.94% | |
| Revenue, 3Y | -24.99% | |
| EPS, 1Y | +49.86% | |
| EPS, 3Y | -200.59% |
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Technical Indicators
| Metric | Date | Value |
|---|---|---|
| Current Price | $49.60 | |
| SMA 200 | $54.97 | |
| SMA 200 vs Price | +10.82% | |
| SMA 50 | $44.62 | |
| SMA 50 vs Price | -10.04% | |
| Beta | 2.44 | |
| ATR | $2.57 | |
| 14-Day RSI | 60.79 | |
| 10-Day Volatility | 67.74% | |
| 1-Year Volatility | 83.16% |
Dividends
| Metric | Date | Value |
|---|---|---|
| N/A | - | |
| Upcoming | N/A | N/A |
| - | ||
| - | ||
| Dividends Paid | $0.00 | |
| Payout Ratio | 0.00% |
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Income & Profitability
| Metric | Date | Value |
|---|---|---|
| Revenue | $636.53M | |
| EPS | -$1.44 | |
| Gross Profit | $615.98M | |
| Gross Margin | 96.77% | |
| Operating Profit | -$172.86M | |
| Operating Margin | -27.16% | |
| Net Income | -$128.58M | |
| Net Margin | -20.45% | |
| EBITDA | -$152.31M |
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Financial Health
| Metric | Date | Value |
|---|---|---|
| Debt To Equity | 2.43 | |
| Current Ratio | 5.13 | |
| Quick Ratio | 5.13 | |
| - | ||
| F-Score | 5 | |
| Altman Z-Score | 1.98 |
Valuations
| Metric | Date | Value |
|---|---|---|
| PE Ratio | 217.83 | |
| PS Ratio | 4.99 | |
| PB Ratio | 6.49 | |
| EV/EBITDA | 141.31 | |
| Enterprise Value | N/A | - |
Balance Sheet
| Metric | Date | Value |
|---|---|---|
| Book Value | $633.22M | |
| Cash & Equivalents | $976.26M | |
| Total Assets | $2.37B | |
| Current Assets | $976.26M | |
| Total Liabilities | $1.73B | |
| Current Liabilities | $190.25M | |
| Total Debt | $1.54B | |
| Short Term Debt | $15.40M | |
| Accounts Payable | $12.38M |
Expenses
| Metric | Date | Value |
|---|---|---|
| Total Expenses | $765.11M | |
| Operating Expenses | $584.71M | |
| Cost Of Goods Sold | $20.55M | |
| SG&A | $555.73M | |
| D&A | $20.55M | |
| Interest Expense | $0.00 | |
| Income Tax | $185.00K |
Cash Flow
| Metric | Date | Value |
|---|---|---|
| CFO | $186.33M | |
| CFI | -$237.73M | |
| CFF | $559.87M | |
| Capex | $9.99M | |
| Free Cash Flow | $176.34M |
Recent analyst updates
| Metric | Date | Value |
|---|---|---|
| Stephens & Co. | → | |
| Piper Sandler | → | |
| Needham | → | |
| JP Morgan | → | |
| Citigroup | → | |
| BTIG | → | |
| B of A Securities | → | |
| Goldman Sachs | → | |
| JP Morgan | → | |
| Piper Sandler | → |
Analyst sentiment
Institutional ownership
Screeners with UPST
Data Sources & References
- UPST Official Website www.upstart.com
- Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/1647639/000164763925000134/0001647639-25-000134-index.htm
- Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/1647639/000164763925000018/0001647639-25-000018-index.htm
- UPST Profile on Yahoo Finance finance.yahoo.com/quote/UPST
- UPST Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/upst
FAQ
What is the ticker symbol for Upstart Holdings, Inc.?
The ticker symbol for Upstart Holdings, Inc. is NASDAQ:UPST
Does Upstart Holdings, Inc. pay dividends?
No, Upstart Holdings, Inc. does not pay dividends
What sector is Upstart Holdings, Inc. in?
Upstart Holdings, Inc. is in the Financial Services sector
What industry is Upstart Holdings, Inc. in?
Upstart Holdings, Inc. is in the Credit Services industry
What country is Upstart Holdings, Inc. based in?
Upstart Holdings, Inc. is headquartered in United States
When did Upstart Holdings, Inc. go public?
Upstart Holdings, Inc. initial public offering (IPO) was on December 16, 2020
Is Upstart Holdings, Inc. in the S&P 500?
No, Upstart Holdings, Inc. is not included in the S&P 500 index
Is Upstart Holdings, Inc. in the NASDAQ 100?
No, Upstart Holdings, Inc. is not included in the NASDAQ 100 index
Is Upstart Holdings, Inc. in the Dow Jones?
No, Upstart Holdings, Inc. is not included in the Dow Jones index
When was Upstart Holdings, Inc. last earnings report?
Upstart Holdings, Inc.'s most recent earnings report was on November 4, 2025
When does Upstart Holdings, Inc. report earnings?
The next expected earnings date for Upstart Holdings, Inc. is February 10, 2026