UPST Upstart Holdings, Inc. - Common stock

NAS · US · Financial Services · Credit Services · upstart.com

24.15USD+5.87%Mkt Cap: 2.18B $P/E: 43.87Today

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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Key Statistics

Company

Market Cap2.18B USD

Enterprise Value3.82B USD

Revenue (TTM)1.29B USD

Gross Profit1.07B USD

Net Income (TTM)53.60M USD

Revenue/Share13.26 USD

Last Price24.15 USD

Fiscal Year EndDec 2025

MR QuarterJun 2026

Employees1.4K

CountryUS

SectorFinancial Services

IndustryCredit Services

ISIN—

Valuation

P/E (Trailing)43.87

P/E (Forward)6.56

PEG—

EV/EBITDA33.20

EV/Revenue2.97

P/S1.70

P/B2.78

EPS (TTM)0.50

EPS (Forward)3.48

52W Range

22.553% of range71.38

52W High71.38 USD

52W Low22.55 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 USD

CapEx (TTM)18.41M USD

FCF Margin-10.30%

FCF Yield-6.06%

Net Debt1.60B USD

Net Debt/EBITDA13.90

Balance Sheet

Debt/Equity2.32

Current Ratio10.46

Quick Ratio2.39

Book Value/Sh8.20 USD

Cash/Share4.71 USD

Dividends

Fwd Div Rate—

Trail. Div Rate0.00 USD

Div. Yield0.00%

5Y Avg Yield—

Payout Ratio0.00%

Ex-Div Date—

Pay Date—

Analyst Consensus

Rating2.2 (Buy)

Strong BuyBuyHoldSellStr. Sell

Target (Mean)40.00 USD

Upside (mean)+65.6%

Target Range20.00 USD – 61.00 USD

20.00+65.6% to mean61.00

# Analysts16

Ownership

Shares Out.95.71M

Float83.67M

Insiders12.94%

Institutions63.18%

Short Interest

Short Ratio6.6d

Short % Float32.50%

Short % Out.28.41%

Shares Short27.65M

Short (prev mo.)24.78M

Technical

SMA 5027.47 (-12.1%)

SMA 20032.25 (-25.1%)

Beta2.17

S&P 52W Chg14.58%

Avg Vol (30d)4.33M

Avg Vol (10d)4.67M

Technical Indicators

RSI (14)30.9

MACD-1.6028

MACD Signal-1.4299

MACD Hist.-0.1729

BB Upper29.00 USD

BB Middle25.29 USD

BB Lower21.59 USD

BB Width29.31%

ATR (14)1.235 USD

Vol Ratio (20d)0.92x