Upstart Holdings, Inc.

As of June 30, 2026, Upstart Holdings, Inc. carries a market capitalization of 2.99B, placing it among publicly traded companies globally. Its enterprise value stands at 4.36B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Upstart Holdings, Inc.'s next confirmed earnings release is scheduled for November 3, 2026.

As of June 30, 2026, Upstart Holdings, Inc. has 97.31M shares outstanding.

As of June 30, 2026, Upstart Holdings, Inc. trades at a trailing price-to-earnings ratio of 56.36. The price-to-sales ratio is 2.77, and the price-to-book ratio stands at 4.28.

These figures are as of June 30, 2026. The EV/Sales ratio of 4.06 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. These enterprise value multiples are built on an enterprise value of 4.36B versus a market cap of 2.99B, with the gap driven by net debt and cash on the balance sheet.

These figures are as of June 30, 2026.

Over the twelve months ended June 30, 2026, Upstart Holdings, Inc. posted a return on equity (ROE) of 7.94, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 2.14, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 2.41, useful for judging operating efficiency across full business cycles. The company generates approximately 793,884.80 in revenue per employee across its workforce of 1,352.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended June 30, 2026, Upstart Holdings, Inc. recorded 1.18M in income tax expense. That works out to an effective tax rate of 2.19, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 53.99M, leaving 52.81M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 6, 2026, Upstart Holdings, Inc.'s stock has declined approximately 52.09% over the past 52 weeks. The 50-day moving average sits at 23.78, while the 200-day moving average is 27.40.

Over the twelve months ended June 30, 2026, Upstart Holdings, Inc. generated 1.07B in revenue and converted that into 52.81M in net income, yielding earnings per share of 0.49.

As of June 30, 2026, Upstart Holdings, Inc. holds 400.66M in cash and equivalents against 1.77B in total debt, resulting in a net debt position of 1.35B.

Upstart Holdings, Inc. produced -248.59M in operating cash flow over the twelve months ended June 30, 2026. After subtracting -4.41M in capital expenditures, free cash flow totaled -253.00M - equivalent to -2.61 per share.

These figures cover the twelve months ended June 30, 2026.

These figures cover the twelve months ended June 30, 2026. Free cash flow yield is negative at -7.69: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield is negative at -13.44, meaning Upstart Holdings, Inc. raised more capital through share issuance and new debt than it returned via dividends and buybacks.