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UPSTUpstart Holdings, Inc.
NAS · US · Financial Services · Credit Services · upstart.com
35.43USD+1.14%Mkt Cap: 3.39B $P/E: 86.41

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 Lendi…

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Indicators:|

Key Statistics

Company
Market Cap3.39B $
Enterprise Value4.89B $
Revenue (TTM)1.17B $
Gross Profit970.74M $
Net Income (TTM)53.60M $
Revenue/Share12.14 USD
Last Price35.43 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees1.4K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISINUS91680M1071
Valuation
P/E (Trailing)86.41
P/E (Forward)10.32
PEG—
EV/EBITDA49.48
EV/Revenue4.17
P/S2.89
P/B4.63
EPS (TTM)0.41
EPS (Forward)3.43
52W Range
23.9618% of range87.30
52W High87.30 USD
52W Low23.96 USD
Profitability
Gross Margin82.71%
Oper. Margin0.90%
EBITDA Margin8.43%
Profit Margin5.23%
ROE6.71%
ROA1.80%
Growth
Revenue Growth44.60%
Earnings Growth—
Cash Flow & Leverage
Operating CF-147.72M $
CapEx (TTM)18.41M $
FCF Margin-26.63%
FCF Yield-9.22%
Net Debt1.50B $
Net Debt/EBITDA15.20
Balance Sheet
Debt/Equity2.32
Current Ratio11.65
Quick Ratio2.84
Book Value/Sh7.660 USD
Cash/Share4.959 USD
Dividends
Fwd Div Rate—
Trail. Div Rate0.0000 USD
Div. Yield—
5Y Avg Yield—
Payout Ratio0.00%
Ex-Div Date—
Pay Date—
Analyst Consensus
Rating2.1 (Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)40.13 USD
Upside (mean)+13.3%
Target Range20.00 USD – 80.00 USD
$20.00+13.3% to mean$80.00
# Analysts15
Ownership
Shares Out.95.71M
Float82.19M
Insiders13.01%
Institutions62.17%
Short Interest
Short Ratio5.6d
Short % Float32.14%
Short % Out.28.03%
Shares Short26.83M
Short (prev mo.)26.67M
Technical
SMA 5031.29 (+13.2%)
SMA 20039.19 (-9.6%)
Beta2.28
S&P 52W Chg20.05%
Avg Vol (30d)4.37M
Avg Vol (10d)4.98M
Technical Indicators
RSI (14)63.0
MACD0.9663
MACD Signal0.5934
MACD Hist.+0.3729
BB Upper34.97 USD
BB Middle31.94 USD
BB Lower28.91 USD
BB Width18.99%
ATR (14)2.195 USD
Vol Ratio (20d)0.93x