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
$6.1B
-
-$0.07
2.38
-
Price and volume
Market cap
$6.1B
Beta
2.38
52-week high
$96.43
52-week low
$31.40
Average daily volume
7.5M
Financial strength
Current ratio
15.74
Quick ratio
3.784
Long term debt to equity
211.875
Total debt to equity
212.942
Interest coverage (TTM)
-0.46%
Profitability
EBITDA (TTM)
5.517
Gross margin (TTM)
81.17%
Net profit margin (TTM)
-0.72%
Operating margin (TTM)
-1.90%
Effective tax rate (TTM)
-3.82%
Revenue per employee (TTM)
$740,000
Management effectiveness
Return on assets (TTM)
-0.49%
Return on equity (TTM)
-0.96%
Valuation
Price to revenue (TTM)
6.633
Price to book
8.4
Price to tangible book (TTM)
9.96
Price to free cash flow (TTM)
-71.857
Free cash flow yield (TTM)
-1.39%
Free cash flow per share (TTM)
-0.878
Growth
Revenue change (TTM)
53.62%
Earnings per share change (TTM)
-97.06%
3-year revenue growth (CAGR)
-6.30%
3-year earnings per share growth (CAGR)
-58.36%
What the Analysts think about Upstart
Analyst ratings (Buy, Hold, Sell) for Upstart stock.
Bulls say / Bears say
Upstart raised its full-year 2025 revenue forecast to $1.055 billion after posting Q2 revenue of $257 million, showing management’s confidence in maintaining rapid growth (MarketWatch).
Piper Sandler initiated coverage with an Overweight rating and a $75 price target, citing Upstart’s AI-powered origination engine, which instantly approves about 90% of loans and helps deliver scalable growth and lower costs (Barron’s).
J.P. Morgan upgraded Upstart to Neutral with a $79 target after Q4 results, pointing to strong operational leverage and improving business trends as signs of better fundamentals (Barron’s).
Despite exceeding Q2 revenue estimates of $257 million, Upstart’s stock dropped about 19% as investors responded to a sharp rise in loans held on its balance sheet, raising concerns about increased credit risk (MarketWatch).
Upstart reduced its Q3 net interest income forecast from $90 million to $65 million, signaling potential margin pressure and less profitable funding (MarketWatch).
Shares fell 16% in after-hours trading after Upstart’s Q2 revenue guidance of $225 million and a net loss of $10 million missed Wall Street estimates, highlighting the stock’s sensitivity to outlook disappointments (MarketWatch).
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 2025.
Upstart Financial Performance
Revenues and expenses
Upstart Earnings Performance
Company profitability
Upstart News
AllArticlesVideos
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2025-3
Business Wire1 week ago
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Fast Company1 week ago
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Market Watch3 weeks ago
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.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Upstart stock?
Upstart (UPST) has a market cap of $6.1B as of September 15, 2025.
What is the P/E ratio for Upstart stock?
The price to earnings (P/E) ratio for Upstart (UPST) stock is 0 as of September 15, 2025.
Does Upstart stock pay dividends?
No, Upstart (UPST) stock does not pay dividends to its shareholders as of September 15, 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 2.38. 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.