Upstart/$UPST
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Upstart
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
- Ticker
- $UPST
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 1,405
- Headquarters
- San Mateo, United States
- Website
- www.upstart.com
Upstart Metrics
BasicAdvanced
$2.3B
46.07
$0.52
2.16
-
Price and volume
Market cap
$2.3B
Beta
2.16
52-week high
$55.22
52-week low
$22.56
Average daily volume
4.3M
Financial strength
Current ratio
10.455
Quick ratio
2.388
Long term debt to equity
2.493
Total debt to equity
2.58
Interest coverage (TTM)
2.25%
Profitability
EBITDA (TTM)
115.055
Gross margin (TTM)
83.04%
Net profit margin (TTM)
4.69%
Operating margin (TTM)
6.96%
Effective tax rate (TTM)
2.19%
Revenue per employee (TTM)
$920,000
Management effectiveness
Return on assets (TTM)
1.98%
Return on equity (TTM)
7.94%
Valuation
Price to earnings (TTM)
46.073
Price to revenue (TTM)
1.817
Price to book
2.94
Price to tangible book (TTM)
3.44
Price to free cash flow (TTM)
-7.657
Free cash flow yield (TTM)
-13.06%
Free cash flow per share (TTM)
-3.147
Growth
Revenue change (TTM)
45.33%
Earnings per share change (TTM)
-860.93%
3-year revenue growth (CAGR)
31.79%
3-year earnings per share growth (CAGR)
-45.76%
What the Analysts think about Upstart
Analyst ratings (Buy, Hold, Sell) for Upstart stock.
Analyst projections of the future price of Upstart stock.
Bulls say / Bears say
Upstart’s core business accelerated in Q2 2026: originations rose 50% year on year, revenue rose 42%, and the company returned to GAAP profitability. Management also reaffirmed 2026 guidance of about $1.4 billion revenue and $294 million adjusted EBITDA. (Morningstar, The Motley Fool)
Funding appears less fragile than during Upstart’s previous liquidity crisis. The company had secured up to $10.8 billion of additional committed capital year to date, while loans retained on its balance sheet fell to about 5.9% of outstanding loans. (The Motley Fool, The Motley Fool)
Upstart has two potential growth and efficiency levers beyond personal loans. Auto and home products are moving towards contribution break-even, while conditional OCC approval for Upstart Bank could eventually provide cheaper deposit funding and reduce regulatory friction, although the launch is aimed at early 2027. (Upstart Q2 FY2026 earnings call, TIKR.com)
Credit conditions are becoming a headwind. Upstart’s Macro Index reached 1.50, the top of management’s guided range and 9% above its level at the start of Q2, which could weaken borrower demand and increase losses or funding costs. (The Motley Fool, TIKR.com)
The balance sheet remains leveraged and cash generation is weak despite the return to quarterly profit. At June 2026, borrowings were about $2.0 billion, while operating cash flow was negative year to date and loans held at fair value had increased. (StockTitan)
The newer secured products are not yet profitable, with their contribution margin still negative in Q2 and break-even only targeted for Q4. The bank charter is also not fully secured: conditional OCC approval still requires further regulatory steps, so the expected funding and cost benefits may be delayed or fail to arrive. (Upstart Q2 FY2026 earnings call, TIKR.com)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
Upstart Financial Performance
Revenues and expenses
Upstart Earnings Performance
Company profitability
Upcoming events
No upcoming events
Upstart News
AllArticlesVideos
Funds containing Upstart
AllUSDGBPEUR
Fund name | Fund size | $UPST weighting |
|---|---|---|
iShares Digitalisation$DGTL | $793M | 0.08% |
iShares Digitalisation£DGIT | £585M | 0.08% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.07% |
SPDR Russell 2000 US Small Cap£R2SC | £4.1B | 0.07% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.