UPST logo

Upstart Holdings (UPST)

Profile

Full Name

Upstart Holdings, Inc.

Ticker Symbol

UPST

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

December 16, 2020

Indexes

Not included

Website

http://www.upstart.com

Employees

1193

Key Details

Price

$39.96(+2.49%)

Market cap

$3.74B(Mid cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$628.83M(+23.76% YoY)

Annual EPS

-$1.44(+49.83% YoY)

PE ratio

-

Next earnings date

May 6, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$39.96
UPST price is $39.96

30-Day Relative Volume

0.83
UPST 30-day relative volume is 0.83

Price Performance

Price Today change

+2.49%
UPST price is up +2.49% today

Price YTD change

-35.1%
UPST price is down -35.1% since January 1st

Price 1-year change

+67.76%
UPST price is up +67.76% year-on-year

Price 3-year change

-51.63%
UPST price is down -51.63% over the past 3 years

Price Range

Price All-time high

$401.49
UPST price is currently -90.05% below its historical high of $401.49

Price 3-year low

$11.93
UPST price is currently +234.95% above its 3-year low

Capitalization

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Market cap

Market cap

$3.74B
UPST market capitalization is $3.74 billion

Market cap 3-year change

-46.47%
UPST market capitalization is down -46.47% over the past 3 years

Market cap All-time high

$31.80B
UPST market capitalization is currently -88.22% below its historical high of $31.80 billion

Market cap sector rank

75.31%
UPST market capitalization is higher than 75.31% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

+6.73%
UPST shares outstanding is up +6.73% year-on-year

Shares Outstanding 3-Year Change

+10.67%
UPST shares outstanding is up +10.67% over the past 3 years

Technical Indicators

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Beta

2.53
UPST beta is 2.53

200-day SMA

$51.48
UPST price is currently -22.38% below its 200-day simple moving average

50-day SMA

$57.31
UPST price is currently -30.28% below its 50-day simple moving average

RSI

40.40
UPST 14-day relative strength index is 40.40

Volume

0.83
UPST 30-day relative volume is 0.83

ATR

$5.24
UPST average true range is $5.24

10-day Historical Volatility

174.34%
UPST 10-day historical volatility is 174.34%

Dividend

Income Statement

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Revenue

Revenue

$628.83M
UPST annual revenue is $628.83 million

Revenue Analysts estimate

$1.01B
UPST annual revenue is currently -37.57% lower than the consensus analysts' forecast

Revenue 1-year change

+23.76%
UPST annual revenue is up +23.76% year-on-year

Revenue Sector rank

71.61%
UPST annual revenue is higher than 71.61% of companies in Financial Services sector

EPS

EPS

-$1.44
UPST annual earnings per share is -$1.44

EPS Analysts estimate

$1.39
UPST annual earnings per share is currently -203.69% lower than the consensus analysts' forecast

EPS 1-year change

+49.83%
UPST annual earnings per share is up +49.83% year-on-year

EPS Sector rank

5.27%
UPST annual earnings per share is higher than 5.27% of companies in Financial Services sector

Profit

Gross profit

-
UPST annual gross profit value is unknown

Gross margin

-
UPST annual gross profit margin value is unknown

Operating profit

-
UPST annual operating income value is unknown

Operating margin

-
UPST annual operating profit margin value is unknown

Net income

-$128.58M
UPST annual net profit is -$128.58 million

Net margin

-20.45%
UPST annual net profit margin is -20.45%

Expenses

Total expenses

-
UPST annual total expenses value is unknown

Operating expenses

$584.71M
UPST annual total operating expenses is $584.71 million

Cost of goods sold

-
UPST annual cost of goods sold value is unknown

Selling, general & administrative expenses

$555.73M
UPST annual SGA is $555.73 million

Depreciation and amortization

$20.55M
UPST annual depreciation & amortization is $20.55 million

Interest expense

-
UPST annual interest expense value is unknown

Income tax

$185.00K
UPST annual income tax is $185.00 thousand

EBIT & EBITDA

EBIT

-$80.27M
UPST annual earnings before interest & taxes is -$80.27 million

EBITDA

-$59.72M
UPST annual EBITDA is -$59.72 million

Balance Sheet

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Assets

Total assets

$2.37B
UPST annual total assets is $2.37 billion

Non current assets

$1.23B
UPST annual long term assets is $1.23 billion

Current assets

$950.86M
UPST annual total current assets is $950.86 million

Cash and cash equivalents

$793.61M
UPST annual cash & cash equivalents is $793.61 million

Accounts receivable

$48.23M
UPST annual accounts receivable is $48.23 million

Inventory

-
UPST annual inventory value is unknown

Liabilities

Total liabilities

$1.73B
UPST annual total liabilities is $1.73 billion

Long term liabilities

$1.26B
UPST annual total long term liabilities is $1.26 billion

Current liabilities

$457.77M
UPST annual total current liabilities is $457.77 million

Accounts payable

$12.38M
UPST annual accounts payable is $12.38 million

Debt

Total debt

$1.45B
UPST annual total debt is $1.45 billion

Total debt 1-year change

+31.71%
UPST annual total debt is up +31.71% year-on-year

Long term debt

$1.26B
UPST annual long term debt is $1.26 billion

Short term debt

$195.60M
UPST annual short term debt is $195.60 million

Equity & Capital

Shareholders equity

$633.22M
UPST annual stockholders equity is $633.22 million

Book value

$633.22M
UPST annual book value is $633.22 million

Retained earnings

-$411.16M
UPST annual retained earnings is -$411.16 million

Working capital

$493.08M
UPST annual working capital is $493.08 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$186.33M
UPST annual cash flow from operations is $186.33 million

Cash from operations 1-year change

+266.8%
UPST annual cash flow from operations is up +266.8% year-on-year

Cash from investing

-$237.73M
UPST annual cash flow from investing activities is -$237.73 million

Cash from investing 1-year change

-100.69%
UPST annual cash flow from investing activities is down -100.69% year-on-year

Cash from financing

$559.87M
UPST annual cash flow from financing activities is $559.87 million

Cash from financing 1-year change

+238.32%
UPST annual cash flow from financing activities is up +238.32% year-on-year

CAPEX

CAPEX

$9.99M
UPST annual capital expenditures is $9.99 million

CAPEX 1-year change

-17.34%
UPST annual capital expenditures is down -17.34% year-on-year

Free Cash Flow

Free cash flow

$176.34M
UPST annual free cash flow is $176.34 million

Free cash flow 1-year change

+242.44%
UPST annual free cash flow is up +242.44% year-on-year

Profitability Ratios

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Margins

Gross margin

-
UPST annual gross profit margin value is unknown

Operating margin

-
UPST annual operating profit margin value is unknown

Net margin

-20.45%
UPST annual net profit margin is -20.45%

ROA & ROE

ROA

-5.87%
UPST annual return on assets is -5.87%

ROE

-20.27%
UPST annual return on equity is -20.27%

Valuation

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PE Ratio

PE ratio

-
UPST price to earnings ratio value is unknown

PE ratio Sector rank

-
UPST price to earnings ratio is unknown

PB Ratio

PB ratio

5.91
UPST price to book ratio is 5.91

PB ratio Sector rank

92.41%
UPST price to book ratio is higher than 92.41% of companies in Financial Services sector

PS Ratio

PS ratio

5.95
UPST price to sales ratio is 5.95

PS ratio Sector rank

86.61%
UPST price to sales ratio is higher than 86.61% of companies in Financial Services sector

Enterprise value

Enterprise value

$4.40B
UPST enterprise value is $4.40 billion

Enterprise value Sector rank

75.57%
UPST enterprise value is higher than 75.57% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

-73.74
UPST EV/EBITDA is -73.74

EV/EBITDA Sector rank

5.33%
UPST EV/EBITDA is higher than 5.33% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

2.08
UPST annual current ratio is 2.08

Quick ratio

-
UPST annual quick ratio value is unknown

Leverage

Debt to equity

2.21
UPST annual debt to equity ratio is 2.21

Interest coverage ratio

-
UPST annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
UPST piotroski f-score value is unknown

Altman Z-Score

1.46
UPST altman z-score is 1.46

Analyst ratings

Recent major analysts updates

Feb 18, 25 Barclays
Equal-Weight
Feb 14, 25 Morgan Stanley
Equal-Weight
Feb 13, 25 Citigroup
Buy
Feb 12, 25 Piper Sandler
Overweight
Feb 12, 25 Needham
Buy
Feb 12, 25 JP Morgan
Neutral
Feb 12, 25 Goldman Sachs
Sell
Feb 12, 25 B. Riley Securities
Buy
Feb 12, 25 B of A Securities
Underperform
Dec 13, 24 Needham
Buy

Institutional Ownership

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  • What is the ticker symbol for Upstart Holdings?
  • Does Upstart Holdings pay dividends?
  • What sector is Upstart Holdings in?
  • What industry is Upstart Holdings in?
  • What country is Upstart Holdings based in?
  • When did Upstart Holdings go public?
  • Is Upstart Holdings in the S&P 500?
  • Is Upstart Holdings in the NASDAQ 100?
  • Is Upstart Holdings in the Dow Jones?
  • When was Upstart Holdings's last earnings report?
  • When does Upstart Holdings report earnings?
  • Should I buy Upstart Holdings stock now?

What is the ticker symbol for Upstart Holdings?

The ticker symbol for Upstart Holdings is NASDAQ:UPST

Does Upstart Holdings pay dividends?

No, Upstart Holdings does not pay dividends

What sector is Upstart Holdings in?

Upstart Holdings is in the Financial Services sector

What industry is Upstart Holdings in?

Upstart Holdings is in the Credit Services industry

What country is Upstart Holdings based in?

Upstart Holdings is headquartered in United States

When did Upstart Holdings go public?

Upstart Holdings's initial public offering (IPO) was on December 16, 2020

Is Upstart Holdings in the S&P 500?

No, Upstart Holdings is not included in the S&P 500 index

Is Upstart Holdings in the NASDAQ 100?

No, Upstart Holdings is not included in the NASDAQ 100 index

Is Upstart Holdings in the Dow Jones?

No, Upstart Holdings is not included in the Dow Jones index

When was Upstart Holdings's last earnings report?

Upstart Holdings's most recent earnings report was on Feb 11, 2025

When does Upstart Holdings report earnings?

The next expected earnings date for Upstart Holdings is May 6, 2025

Should I buy Upstart Holdings stock now?

As of today, analysts generally recommend a 'Hold' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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