Upstart/$UPST
1D1W1MYTD1Y5YMAX
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
$2.4B
47.99
$0.52
2.16
-
Price and volume
Market cap
$2.4B
Beta
2.16
52-week high
$71.38
52-week low
$23.97
Average daily volume
4.6M
Financial strength
Current ratio
10.455
Quick ratio
2.388
Long term debt to equity
249.276
Total debt to equity
258.011
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)
47.985
Price to revenue (TTM)
1.892
Price to book
3.06
Price to tangible book (TTM)
3.59
Price to free cash flow (TTM)
-7.975
Free cash flow yield (TTM)
-12.54%
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
In Q2 2026, Upstart reported $4.2 billion in loan originations, up 50% year-over-year, and returned to GAAP profitability with an all-time-high contribution profit, underscoring strong growth and operational leverage (Reuters).
Secured lending origination grew by 218% year-over-year to $589 million in Q2 2026, while contribution margin for secured products improved from –96% to –35%, putting the segment on track to reach breakeven by Q4 2026 (Reuters).
Upstart announced plans to apply for a national bank charter with the OCC and FDIC—establishing Upstart Bank, N.A.—which would streamline regulatory complexity, enable direct access to deposit funding, and lower funding costs (Reuters).
Daily origination volume declined sequentially from $58.2 million in May to $51.0 million in July 2026, a 12% drop that may signal softening borrower demand (Business Wire and Business Wire).
Upstart’s Macro Index (UMI) rose to 1.50 in July 2026—the highest level since January—reflecting elevated default risk assumptions that could presage higher loan losses (Business Wire).
The secured products segment remained unprofitable in Q2 2026 with a -35% contribution margin, underscoring execution risks and the challenge of achieving profitability by the end of the year (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 20 Aug 2026.
Upstart Financial Performance
Revenues and expenses
Upstart Earnings Performance
Company profitability
Upcoming events
No upcoming events
Upstart News
AllArticlesVideos
Funds containing Upstart
AllEURGBPUSD
Fund name | Fund size | $UPST weighting |
|---|---|---|
WisdomTree Artificial Intelligence€WTAI | €996M | 0.98% |
WisdomTree Artificial Intelligence£INTL | £870M | 0.98% |
iShares Digitalisation$DGTL | $793M | 0.09% |
iShares Digitalisation£DGIT | £585M | 0.09% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.07% |
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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