33.89USD-0.07%Mkt Cap: 3.21B USDP/E: 81.73Last update: 2026-06-01
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…
Industry Peers
Credit Services610.70BUSDP/E 28.0
438.28BUSDP/E 28.7
213.65BUSDP/E 19.6
115.02BUSDP/E 56.9
39.87BUSDP/E 8.5
24.53BUSDP/E 66.6
23.83BUSDP/E 41.3
23.76BUSDP/E 7.3
Indicators:|
Key Statistics
Company
Market Cap3.21B USD
Enterprise Value4.74B USD
Revenue (TTM)1.17B USD
Gross Profit970.74M USD
Net Income (TTM)53.60M USD
Revenue/Share12.14 USD
Last Price33.89 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees1.4K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISINUS91680M1071
Valuation
P/E (Trailing)81.73
P/E (Forward)9.95
PEG—
EV/EBITDA47.93
EV/Revenue4.04
P/S2.76
P/B4.41
EPS (TTM)0.41
EPS (Forward)3.40
52W Range
23.9616% 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 USD
CapEx (TTM)18.41M USD
FCF Margin-26.63%
FCF Yield-9.75%
Net Debt1.50B USD
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)
Target (Mean)40.20 USD
Target Range20.00 USD – 80.00 USD
# Analysts15
Ownership
Shares Out.95.71M
Float82.20M
Insiders12.98%
Institutions61.97%
Short Interest
Short Ratio5.3d
Short % Float31.96%
Short % Out.27.87%
Shares Short26.67M
Short (prev mo.)27.87M
Technical
SMA 5029.42 (+15.2%)
SMA 20042.69 (-20.6%)
Beta2.26
S&P 52W Chg27.70%
Avg Vol (30d)4.47M
Avg Vol (10d)4.90M
Technical Indicators
RSI (14)64.8
MACD0.3364
MACD Signal-0.1461
MACD Hist.+0.4825
BB Upper33.45 USD
BB Middle29.75 USD
BB Lower26.04 USD
BB Width24.88%
ATR (14)1.941 USD
Vol Ratio (20d)0.94x