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UPSTUpstart Holdings, Inc.
NAS · US · Financial Services · Credit Services · upstart.com
30.88USD-2.25%Mkt Cap: 2.96B $P/E: 75.32

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 Cap2.96B $
Enterprise Value4.46B $
Revenue (TTM)1.17B $
Gross Profit970.74M $
Net Income (TTM)53.60M $
Revenue/Share12.14 USD
Last Price30.88 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees1.4K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISINUS91680M1071
Valuation
P/E (Trailing)75.32
P/E (Forward)9.16
PEG—
EV/EBITDA45.08
EV/Revenue3.80
P/S2.52
P/B4.03
EPS (TTM)0.41
EPS (Forward)3.37
52W Range
23.9611% 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-10.58%
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)41.07 USD
Upside (mean)+33.0%
Target Range20.00 USD – 80.00 USD
$20.00+33.0% to mean$80.00
# Analysts15
Ownership
Shares Out.95.71M
Float82.19M
Insiders13.01%
Institutions62.02%
Short Interest
Short Ratio5.5d
Short % Float30.96%
Short % Out.27.00%
Shares Short25.84M
Short (prev mo.)27.64M
Technical
SMA 5031.32 (-1.4%)
SMA 20037.47 (-17.6%)
Beta2.27
S&P 52W Chg20.25%
Avg Vol (30d)4.14M
Avg Vol (10d)3.73M
Technical Indicators
RSI (14)43.0
MACD0.0812
MACD Signal0.5068
MACD Hist.-0.4255
BB Upper35.96 USD
BB Middle32.86 USD
BB Lower29.75 USD
BB Width18.90%
ATR (14)2.059 USD
Vol Ratio (20d)0.72x