Upstart/$UPST
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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. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.
Ticker
$UPST
Sector
Primary listing
Employees
1,193
Headquarters
Website
Upstart Metrics
BasicAdvanced
$3.8B
150.48
$0.26
2.27
-
Price and volume
Market cap
$3.8B
Beta
2.27
52-week high
$96.43
52-week low
$31.40
Average daily volume
7.9M
Financial strength
Current ratio
17.78
Quick ratio
4.213
Long term debt to equity
262.395
Total debt to equity
262.395
Interest coverage (TTM)
1.46%
Profitability
EBITDA (TTM)
73.052
Gross margin (TTM)
82.25%
Net profit margin (TTM)
3.23%
Operating margin (TTM)
5.01%
Effective tax rate (TTM)
0.96%
Revenue per employee (TTM)
$840,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
4.81%
Valuation
Price to earnings (TTM)
150.476
Price to revenue (TTM)
3.663
Price to book
5.05
Price to tangible book (TTM)
5.55
Price to free cash flow (TTM)
-9.49
Free cash flow yield (TTM)
-10.54%
Free cash flow per share (TTM)
-4.068
Growth
Revenue change (TTM)
64.93%
Earnings per share change (TTM)
-113.39%
3-year revenue growth (CAGR)
-0.31%
3-year earnings per share growth (CAGR)
56.68%
What the Analysts think about Upstart
Analyst ratings (Buy, Hold, Sell) for Upstart stock.
Bulls say / Bears say
Piper Sandler has initiated coverage with an Overweight rating and a $75 price target, citing Upstart’s fully automated, 24/7 origination system that instantly approves about 90% of loans and establishes its early leadership in AI-powered underwriting. (Barron's)
In Q2 2025, Upstart posted its first GAAP-profitable quarter, generating $257 million in revenue—a 102% increase from the prior year—and reported net income of $5.6 million, beating consensus estimates. (Investing.com)
Upstart’s expansion into new products has fueled rapid growth: auto loan originations rose 87% sequentially, HELOC offerings now reach 75% of the U.S., and partnerships with firms like Walmart OnePay and Fortress have secured over 50% of funding through committed deals, lessening dependence on securitization. (The Outpost)
Despite strong revenue growth, Upstart reported an EPS loss of $0.17 in Q2 2025, missing analysts’ expectations of a $0.24 profit. Shares dropped 13.8% as concerns over profitability impacted investor confidence. (Investing.com)
Upstart's Q3 2025 guidance forecasts $225 million in revenue and a net loss of about $10 million—both below Wall Street expectations—which led to a 16% decline in after-hours trading. (MarketWatch)
Analyst opinions are still divided; only four out of 13 analysts rate Upstart as a Buy despite recent growth, reflecting valuation concerns and sector uncertainty. (Barron's)
Data summarised monthly by Lightyear AI. Last updated on 7 Nov 2025.
Upstart Financial Performance
Revenues and expenses
Upstart Earnings Performance
Company profitability
Upstart News
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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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FAQs
What’s the current market cap for Upstart stock?
Upstart (UPST) has a market cap of $3.8B as of November 08, 2025.
What is the P/E ratio for Upstart stock?
The price to earnings (P/E) ratio for Upstart (UPST) stock is 150.48 as of November 08, 2025.
Does Upstart stock pay dividends?
No, Upstart (UPST) stock does not pay dividends to its shareholders as of November 08, 2025.
When is the next Upstart dividend payment date?
Upstart (UPST) stock does not pay dividends to its shareholders.
What is the beta indicator for Upstart?
Upstart (UPST) has a beta rating of 2.27. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.