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
$1.9B
31.50
$0.61
2.43
-
Price and volume
Market cap
$1.9B
Beta
2.43
52-week high
$52.10
52-week low
$19.06
Average daily volume
4.8M
Financial strength
Current ratio
16.713
Quick ratio
3.738
Long term debt to equity
2.38
Total debt to equity
2.382
Interest coverage (TTM)
2.41%
Profitability
EBITDA (TTM)
131.461
Gross margin (TTM)
83.26%
Net profit margin (TTM)
4.71%
Operating margin (TTM)
7.65%
Effective tax rate (TTM)
2.82%
Revenue per employee (TTM)
$980,000
Management effectiveness
Return on assets (TTM)
2.12%
Return on equity (TTM)
7.98%
Valuation
Price to earnings (TTM)
31.496
Price to revenue (TTM)
1.347
Price to book
2.13
Price to tangible book (TTM)
2.31
Price to free cash flow (TTM)
-9.144
Free cash flow yield (TTM)
-10.94%
Free cash flow per share (TTM)
-2.094
Growth
Revenue change (TTM)
38.65%
Earnings per share change (TTM)
138.00%
3-year revenue growth (CAGR)
36.37%
3-year earnings per share growth (CAGR)
-41.65%
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
Q3 originations grew 44% year on year and fee revenue rose 41%, lifting contribution profit to a record $218 million. Upstart also stayed GAAP profitable, with net income of $36.6 million. (Upstart)
Auto and home lending reached a positive combined contribution margin of 17% a quarter ahead of plan, while secured originations climbed 194% year on year. That gives Upstart a growing business beyond unsecured personal loans. (Upstart, The Motley Fool)
Management said platform loans outstanding grew 38% over the year while equity use rose only 7%, with more than 95% of loans funded by third parties. If sustained, that would let Upstart expand without needing shareholder capital to rise at the same pace. (The Motley Fool)
The Upstart Macro Index rose to about 1.53, and October originations fell 9% from September as credit risk and funding costs increased. Management cut its 2026 adjusted EBITDA outlook from $294 million to $260 million. (The Motley Fool)
Upstart remains exposed when loans perform worse than expected: its filing estimates that a 10% adverse credit-risk shock would cut the value of beneficial-interest assets by $114.8 million and raise related liabilities by $27.3 million. Funding arrangements can also require the company to share losses or commit capital, adding balance-sheet risk to a lending marketplace model. (SEC)
Q3 revenue grew 34% year on year, but adjusted EBITDA rose only 26%, and its margin slipped from 26% to 24%. If that gap persists, stronger sales may translate into slower profit growth than investors expect. (Upstart)
Data summarised monthly by Lightyear AI. Last updated on 10 Nov 2026.
Upstart Financial Performance
Revenues and expenses
Upstart Earnings Performance
Company profitability
Upcoming events
No upcoming events
Upstart News
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Funds containing Upstart
Fund name | Fund size | $UPST weighting |
|---|---|---|
iShares Digitalisation$DGTL | $823M | 0.07% |
iShares Digitalisation£DGIT | $823M | 0.07% |
SPDR Russell 2000 US Small Cap€R2US | $4.7B | 0.06% |
SPDR Russell 2000 US Small Cap£R2SC | $4.7B | 0.06% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $2.7B | 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.
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