29.24USD-4.44%Mkt Cap: 2.93B $P/E: 58.85Today
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 Services$682.48BUSDP/E 31.1
$502.58BUSDP/E 31.5
$229.54BUSDP/E 20.6
$135.42BUSDP/E 12.2
$53.70BUSDP/E 11.8
$25.91BUSDP/E 8.2
$25.90BUSDP/E 70.3
$23.79BUSDP/E 37.6
$12.86BUSDP/E 10.0
$9.19BUSDP/E 24.1
$7.20BUSDP/E 14.0
$7.39BUSDP/E 9.7
$6.33BUSDP/E 18.9
$6.10BUSDP/E 12.9
$5.00BUSDP/E 7.4
$4.51BUSDP/E 15.1
$4.38BUSDP/E 8.9
$4.01BUSDP/E 26.1
$2.40BUSDP/E 12.1
$2.13BUSDP/E 8.1
Key Statistics
Company
Market Cap2.93B $
Enterprise Value4.41B $
Revenue (TTM)1.29B $
Gross Profit1.07B $
Net Income (TTM)53.60M $
Revenue/Share13.26 USD
Last Price29.24 USD
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees1.4K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISINUS91680M1071
Valuation
P/E (Trailing)58.85
P/E (Forward)8.81
PEG—
EV/EBITDA38.31
EV/Revenue3.43
P/S2.18
P/B3.52
EPS (TTM)0.49
EPS (Forward)3.27
52W Range
23.9610% of range76.95
52W High76.95 USD
52W Low23.96 USD
Profitability
Gross Margin83.04%
Oper. Margin7.20%
EBITDA Margin8.95%
Profit Margin5.23%
ROE6.71%
ROA1.80%
Growth
Revenue Growth42.30%
Earnings Growth211.20%
Cash Flow & Leverage
Operating CF-147.72M $
CapEx (TTM)18.41M $
FCF Margin-10.30%
FCF Yield-4.52%
Net Debt1.60B $
Net Debt/EBITDA13.90
Balance Sheet
Debt/Equity2.32
Current Ratio10.46
Quick Ratio2.39
Book Value/Sh8.196 USD
Cash/Share4.705 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)40.60 USD
Upside (mean)+38.9%
Target Range20.00 USD – 61.00 USD
$20.00+38.9% to mean$61.00
# Analysts15
Ownership
Shares Out.95.71M
Float83.79M
Insiders12.77%
Institutions63.27%
Short Interest
Short Ratio7.0d
Short % Float29.65%
Short % Out.25.92%
Shares Short25.22M
Short (prev mo.)25.84M
Technical
SMA 5030.82 (-5.1%)
SMA 20034.65 (-15.6%)
Beta2.17
S&P 52W Chg18.16%
Avg Vol (30d)4.03M
Avg Vol (10d)4.55M
Technical Indicators
RSI (14)52.8
MACD-0.0405
MACD Signal-0.2963
MACD Hist.+0.2558
BB Upper32.02 USD
BB Middle29.06 USD
BB Lower26.10 USD
BB Width20.36%
ATR (14)1.810 USD
Vol Ratio (20d)1.35x