UPST
Upstart Holdings, Inc.
Price Chart
Latest Quote
$29.51
-1.37 (-4.44%)
Current Price
| Previous Close | $30.88 |
| Open | $29.75 |
| Day High | $30.26 |
| Day Low | $28.97 |
| Volume | 3,937,817 |
Stock Information
| Shares Outstanding | 95.71M |
| Total Debt | $1.98B |
| Cash Equivalents | $474.66M |
| Revenue | $1.17B |
| Net Income | $49.40M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $2.82B |
| P/E Ratio | 71.98 |
| EPS (TTM) | $0.41 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $4.46B |
| Sales | $1.17B |
| Income | $49.40M |
| Book/sh | $7.66 |
| Cash/sh | $4.96 |
| Employees | 1K |
Financial Ratios
| Quick Ratio | 2.84 |
| Current Ratio | 11.65 |
| Debt/Eq | 269.84 |
Returns & Margins
| ROA | 1.77% |
| ROE | 7.01% |
| Gross Margin | 82.71% |
| Operating Margin | 0.90% |
| Profit Margin | 4.21% |
Ownership
| Insider Ownership | 13.01% |
| Institutional Ownership | 61.64% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.76 |
| P/S | 2.41 |
| P/B | 3.85 |
Analyst Data
| Recommendation | buy |
| Target Price | $41.07 |
Technical Indicators
| SMA20 | $32.79 |
| SMA50 | $31.27 |
| SMA200 | $37.23 |
| RSI | 32.22 |
| ATR | 2.0509 |
| Shares Float | 82.19M |
| Short Float | 30.96% |
| Short Ratio | 5.47 |
| Volatility | 2.27 |
| Rel Volume | 0.97 |
Performance History
| Week | -9.87% |
| Month | -8.47% |
| Quarter | -10.82% |
| 6 Months | -36.47% |
| YTD | -35.62% |
| Year | -61.66% |
| 3 Years | -33.05% |
| 5 Years | -75.41% |
| 10 Years | +0.14% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $29.51 | 3,937,817 |
| 2026-07-16 | $30.88 | 3,249,300 |
| 2026-07-15 | $31.59 | 2,587,600 |
| 2026-07-14 | $31.72 | 3,282,300 |
| 2026-07-13 | $31.46 | 3,267,300 |
| 2026-07-10 | $32.74 | 2,699,400 |
| 2026-07-09 | $33.23 | 3,129,600 |
| 2026-07-08 | $31.81 | 4,452,900 |
| 2026-07-07 | $33.06 | 4,665,100 |
| 2026-07-06 | $34.33 | 5,647,200 |
| 2026-07-02 | $34.78 | 3,816,600 |
| 2026-07-01 | $35.74 | 3,716,800 |
| 2026-06-30 | $35.43 | 4,313,400 |
| 2026-06-29 | $35.03 | 5,351,500 |
| 2026-06-26 | $33.66 | 6,060,800 |
| 2026-06-25 | $32.97 | 3,903,000 |
| 2026-06-24 | $32.65 | 4,795,600 |
| 2026-06-23 | $31.46 | 3,325,200 |
| 2026-06-22 | $31.32 | 3,460,100 |
| 2026-06-18 | $32.43 | 5,230,500 |
About Upstart Holdings, Inc.
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.
đ° Latest News
8x8, DoubleVerify, and Upstart Shares Are Falling, What You Need To Know
StockStory âĸ 2026-07-17T21:53:46Z
Upstart Holdings, Inc. (UPST) Sees a More Significant Dip Than Broader Market: Some Facts to Know
Zacks âĸ 2026-07-16T22:00:06Z
1 Small-Cap Stock Worth Your Attention and 2 We Turn Down
StockStory âĸ 2026-07-14T12:15:11Z
Upstart Holdings (UPST) Renews $600M Forward-Flow Agreement
Insider Monkey âĸ 2026-07-11T21:08:24Z
Is Dave's ARPU Growth Story Still Gaining Momentum in 2026?
Zacks âĸ 2026-07-09T14:22:00Z
Upstart Holdings, Inc. (UPST) Registers a Bigger Fall Than the Market: Important Facts to Note
Zacks âĸ 2026-07-08T22:00:07Z
Upstart, nCino, and Wix Shares Plummet, What You Need To Know
StockStory âĸ 2026-07-08T21:54:44Z
Can Dave's Flex Card Capture More of Members' Everyday Spending?
Zacks âĸ 2026-07-08T15:28:00Z
Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Zacks âĸ 2026-07-08T13:00:04Z
SOFI Innovation: Are Coach and Composer the Next Growth Layer?
Zacks âĸ 2026-07-07T17:44:00Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,023,985,000 | $628,834,000 | $508,119,000 | $837,760,000 |
| Operating Revenue | $1,023,985,000 | $628,834,000 | $508,119,000 | $837,760,000 |
| Expenses | ||||
| Interest Expense | $51,536,000 | $48,127,000 | $39,600,000 | $15,527,000 |
| Other Non Operating Income Expenses | $24,324,000 | $18,793,000 | $21,206,000 | $9,473,000 |
| Selling And Marketing Expense | $301,507,000 | $166,800,000 | $127,143,000 | $345,776,000 |
| General And Administrative Expense | $442,117,000 | $388,931,000 | $362,806,000 | $373,284,000 |
| Other Non Interest Expense | $257,602,000 | $249,271,000 | $264,602,000 | $237,247,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Net Interest Income | $152,694,000 | $138,233,000 | $129,396,000 | $90,053,000 |
| Interest Income | $204,230,000 | $186,360,000 | $168,996,000 | $105,580,000 |
| Normalized Income | $46,452,096 | $-151,474,410 | $-228,440,790 | $-108,665,000 |
| Net Income From Continuing And Discontinued Operation | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Average Dilution Earnings | $-4,881,000 | $0 | $0 | - |
| Net Income Common Stockholders | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Net Income | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Net Income Including Noncontrolling Interests | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Net Income Continuous Operations | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Pretax Income | $54,329,000 | $-128,396,000 | $-240,025,000 | $-109,074,000 |
| Special Income Charges | $7,246,000 | $28,979,000 | $-14,799,000 | $0 |
| Per Share | ||||
| Diluted EPS | $0.45 | $-1.44 | $-2.87 | $-1.31 |
| Basic EPS | $0.56 | $-1.44 | $-2.87 | $-1.31 |
| Other | ||||
| Tax Effect Of Unusual Items | $97,096 | $6,085,590 | $-3,107,790 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $7,246,000 | $28,979,000 | $-14,799,000 | $0 |
| Total Unusual Items Excluding Goodwill | $7,246,000 | $28,979,000 | $-14,799,000 | $0 |
| Reconciled Depreciation | $24,835,000 | $20,549,000 | $24,903,000 | $13,513,000 |
| Diluted Average Shares | $107,492,735 | $89,450,038 | $83,765,896 | $82,771,268 |
| Basic Average Shares | $96,030,558 | $89,450,038 | $83,765,896 | $82,771,268 |
| Diluted NI Availto Com Stockholders | $48,720,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Tax Provision | $728,000 | $185,000 | $107,000 | $-409,000 |
| Restructuring And Mergern Acquisition | $0 | $4,382,000 | $15,536,000 | $0 |
| Gain On Sale Of Security | $-78,720,000 | $-144,865,000 | $-180,971,000 | $-159,565,000 |
| Selling General And Administration | $743,624,000 | $555,731,000 | $489,949,000 | $719,060,000 |
| Other Gand A | $253,740,000 | $230,935,000 | $212,388,000 | $185,290,000 |
| Salaries And Wages | $188,377,000 | $157,996,000 | $150,418,000 | $187,994,000 |
| Other Special Charges | - | - | $-737,000 | - |
| Minority Interests | - | - | - | $0 |
Fetched: 2026-07-03
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $723,464,000 | $556,725,000 | $556,887,000 | $589,742,000 |
| Total Assets | $2,974,805,000 | $2,366,958,000 | $2,017,100,000 | $1,936,054,000 |
| Goodwill And Other Intangible Assets | $75,351,000 | $76,493,000 | $78,418,000 | $82,693,000 |
| Other Intangible Assets | $8,289,000 | $9,431,000 | $11,356,000 | $15,631,000 |
| Prepaid Assets | $39,658,000 | $28,830,000 | $17,976,000 | $16,740,000 |
| Receivables | $256,805,000 | $126,557,000 | $55,337,000 | $52,833,000 |
| Other Receivables | $159,389,000 | $104,502,000 | - | - |
| Notes Receivable | $97,416,000 | $22,055,000 | $14,847,000 | $6,181,000 |
| Cash And Cash Equivalents | $657,445,000 | $793,607,000 | $377,324,000 | $432,413,000 |
| Cash Financial | $652,388,000 | $788,422,000 | $368,405,000 | $422,411,000 |
| Cash Cash Equivalents And Federal Funds Sold | $1,062,069,000 | $981,448,000 | $476,706,000 | $542,469,000 |
| Accounts Receivable | - | $48,233,000 | $40,490,000 | $46,652,000 |
| Debt | ||||
| Net Debt | $1,171,700,000 | $608,561,000 | $663,100,000 | $553,981,000 |
| Total Debt | $1,850,294,000 | $1,452,446,000 | $1,102,748,000 | $1,087,181,000 |
| Long Term Debt And Capital Lease Obligation | $1,752,961,000 | $1,256,841,000 | $715,323,000 | $750,729,000 |
| Long Term Debt | $1,731,812,000 | $1,206,563,000 | $652,999,000 | $649,942,000 |
| Current Debt And Capital Lease Obligation | $97,333,000 | $195,605,000 | $387,425,000 | $336,452,000 |
| Current Debt | $97,333,000 | $195,605,000 | $387,425,000 | $336,452,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,175,990,000 | $1,733,740,000 | $1,381,795,000 | $1,263,619,000 |
| Payables And Accrued Expenses | $303,689,000 | $262,170,000 | $265,869,000 | $154,823,000 |
| Payables | $186,182,000 | $159,875,000 | $207,609,000 | $109,492,000 |
| Other Payable | $154,201,000 | $147,494,000 | $194,996,000 | $90,777,000 |
| Accounts Payable | $31,981,000 | $12,381,000 | $12,613,000 | $18,715,000 |
| Equity | ||||
| Common Stock Equity | $798,815,000 | $633,218,000 | $635,305,000 | $672,435,000 |
| Total Equity Gross Minority Interest | $798,815,000 | $633,218,000 | $635,305,000 | $672,435,000 |
| Stockholders Equity | $798,815,000 | $633,218,000 | $635,305,000 | $672,435,000 |
| Retained Earnings | $-357,556,000 | $-411,157,000 | $-282,576,000 | $-42,444,000 |
| Other | ||||
| Ordinary Shares Number | $98,033,361 | $93,469,721 | $86,330,303 | $81,259,676 |
| Share Issued | $98,033,361 | $93,469,721 | $86,330,303 | $81,259,676 |
| Tangible Book Value | $723,464,000 | $556,725,000 | $556,887,000 | $589,742,000 |
| Invested Capital | $2,627,960,000 | $2,035,386,000 | $1,675,729,000 | $1,658,829,000 |
| Capital Lease Obligations | $21,149,000 | $50,278,000 | $62,324,000 | $100,787,000 |
| Total Capitalization | $2,530,627,000 | $1,839,781,000 | $1,288,304,000 | $1,322,377,000 |
| Additional Paid In Capital | $1,156,361,000 | $1,044,366,000 | $917,872,000 | $714,871,000 |
| Capital Stock | $10,000 | $9,000 | $9,000 | $8,000 |
| Common Stock | $10,000 | $9,000 | $9,000 | $8,000 |
| Long Term Capital Lease Obligation | $21,149,000 | $50,278,000 | $62,324,000 | $100,787,000 |
| Line Of Credit | $97,333,000 | $195,605,000 | $387,425,000 | $336,452,000 |
| Current Accrued Expenses | $117,507,000 | $102,295,000 | $58,260,000 | $45,331,000 |
| Investments And Advances | $41,250,000 | $41,250,000 | $41,250,000 | $41,250,000 |
| Available For Sale Securities | $41,250,000 | $41,250,000 | $41,250,000 | $41,250,000 |
| Goodwill | $67,062,000 | $67,062,000 | $67,062,000 | $67,062,000 |
| Net PPE | $60,584,000 | $82,468,000 | $97,349,000 | $130,503,000 |
| Accumulated Depreciation | $-78,421,000 | $-55,401,000 | $-37,449,000 | $-17,159,000 |
| Gross PPE | $139,005,000 | $137,869,000 | $134,798,000 | $147,662,000 |
| Leases | $15,519,000 | $15,069,000 | $14,281,000 | $13,074,000 |
| Other Properties | $16,410,000 | $43,455,000 | $54,694,000 | $86,335,000 |
| Machinery Furniture Equipment | $107,076,000 | $79,345,000 | $65,823,000 | $48,253,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-07-03
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-166,132,000 | $176,341,000 | $-123,798,000 | $-680,773,000 |
| Operating Activities | ||||
| Operating Cash Flow | $-147,725,000 | $186,331,000 | $-111,712,000 | $-657,860,000 |
| Cash Flow From Continuing Operating Activities | $-147,725,000 | $186,331,000 | $-111,712,000 | $-657,860,000 |
| Operating Gains Losses | $-7,246,000 | $-33,361,000 | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-18,407,000 | $-9,990,000 | $-12,086,000 | $-22,913,000 |
| Investing Cash Flow | $-177,171,000 | $-237,726,000 | $-118,455,000 | $-114,125,000 |
| Cash Flow From Continuing Investing Activities | $-177,171,000 | $-237,726,000 | $-118,455,000 | $-114,125,000 |
| Net Other Investing Changes | $162,515,000 | $-49,906,000 | $-52,564,000 | $6,736,000 |
| Capital Expenditure Reported | $-18,060,000 | $-9,153,000 | $-10,559,000 | $-14,088,000 |
| Financing Activities | ||||
| Financing Cash Flow | $405,645,000 | $559,871,000 | $165,487,000 | $113,211,000 |
| Cash Flow From Continuing Financing Activities | $405,645,000 | $559,871,000 | $165,487,000 | $113,211,000 |
| Net Other Financing Charges | $-10,300,000 | $-31,863,000 | $-48,781,000 | $-16,837,000 |
| Repurchase Of Capital Stock | - | $0 | $0 | $-177,883,000 |
| Net Common Stock Issuance | - | $0 | $0 | $-177,883,000 |
| Issuance Of Capital Stock | - | - | $0 | $0 |
| Common Stock Issuance | - | - | $0 | $0 |
| Net Preferred Stock Issuance | - | - | - | - |
| Preferred Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-581,843,000 | $-738,064,000 | $-599,257,000 | $-400,898,000 |
| Issuance Of Debt | $972,488,000 | $1,300,721,000 | $792,228,000 | $688,813,000 |
| Interest Paid Supplemental Data | $43,483,000 | $43,119,000 | $36,547,000 | $12,473,000 |
| Income Tax Paid Supplemental Data | $590,000 | $258,000 | - | $328,000 |
| End Cash Position | $1,057,012,000 | $976,263,000 | $467,787,000 | $532,467,000 |
| Beginning Cash Position | $976,263,000 | $467,787,000 | $532,467,000 | $1,191,241,000 |
| Changes In Cash | $80,749,000 | $508,476,000 | $-64,680,000 | $-658,774,000 |
| Proceeds From Stock Option Exercised | $25,300,000 | $29,077,000 | $21,297,000 | $20,016,000 |
| Net Issuance Payments Of Debt | $390,645,000 | $562,657,000 | $192,971,000 | $287,915,000 |
| Net Long Term Debt Issuance | $390,645,000 | $562,657,000 | $192,971,000 | $287,915,000 |
| Long Term Debt Payments | $-581,843,000 | $-738,064,000 | $-599,257,000 | $-400,898,000 |
| Long Term Debt Issuance | $972,488,000 | $1,300,721,000 | $792,228,000 | $688,813,000 |
| Net PPE Purchase And Sale | $-347,000 | $-837,000 | $-1,527,000 | $-8,825,000 |
| Purchase Of PPE | $-347,000 | $-837,000 | $-1,527,000 | $-8,825,000 |
| Change In Working Capital | $26,643,000 | $34,627,000 | $-19,710,000 | $-5,045,000 |
| Change In Other Working Capital | $-2,084,000 | $-807,000 | $-6,822,000 | $10,204,000 |
| Change In Other Current Assets | $-10,831,000 | $-8,690,000 | $-8,932,000 | $4,173,000 |
| Change In Payables And Accrued Expense | $39,558,000 | $44,124,000 | $-3,956,000 | $-19,422,000 |
| Change In Accrued Expense | $39,558,000 | $44,124,000 | $-3,956,000 | $-19,422,000 |
| Other Non Cash Items | $-370,587,000 | $155,567,000 | $-49,667,000 | $-675,797,000 |
| Stock Based Compensation | $131,950,000 | $133,400,000 | $175,039,000 | $125,945,000 |
| Unrealized Gain Loss On Investment Securities | $-6,921,000 | $4,130,000 | $-2,145,000 | $-7,811,000 |
| Depreciation Amortization Depletion | $24,835,000 | $20,549,000 | $24,903,000 | $13,513,000 |
| Depreciation And Amortization | $24,835,000 | $20,549,000 | $24,903,000 | $13,513,000 |
| Net Income From Continuing Operations | $53,601,000 | $-128,581,000 | $-240,132,000 | $-108,665,000 |
| Common Stock Payments | - | $0 | $0 | $-177,883,000 |
| Net Investment Purchase And Sale | - | $11,930,000 | $0 | $-6,250,000 |
| Sale Of Investment | - | $11,930,000 | - | $0 |
| Purchase Of Investment | - | $0 | $0 | $-6,250,000 |
| Net Business Purchase And Sale | - | $11,930,000 | $0 | $0 |
| Sale Of Business | - | $11,930,000 | $0 | $0 |
| Purchase Of Business | - | - | $0 | $0 |
| Change In Other Current Liabilities | - | - | $2,171,000 | $-31,300,000 |
| Change In Payable | - | - | $-49,116,000 | $-4,943,000 |
| Change In Account Payable | - | - | $-6,127,000 | $11,878,000 |
| Preferred Stock Payments | - | - | - | - |
Fetched: 2026-07-03