Upstart Holdings, Inc.

Upstart Holdings, Inc.

UPST
Upstart Holdings, Inc.US flagNASDAQ Global Select
30.50
USD
-1.29
- -
2.92BMarket Cap
Upstart Holdings, Inc.
UPST
(NASDAQ Global Select)

Recent

price

30.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.89
6.77
11.36
12.68
10.84
10.12
6.07
7.03
10.66
11.57
Revenue per Share
-0.12
-0.87
-0.03
- -
1.73
-1.31
-2.87
-1.44
0.56
0.51
Basic EPS, GAAP
0.17
3.55
1.92
0.82
2.05
-8.05
-1.35
2.07
-1.54
-2.8
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
-5.31
-5.25
-3.95
0.85
-0.51
-3.37
-4.6
-3.72
-3.77
Book Value per Share
- -
-3.87
-4.3
17.14
9.22
7.12
6.65
6.22
7.53
6.81
Tangible Book Value per Share
62
14
14
18
78
83
84
89
96
97
Basic Weighted Avg Shares
56
96
163
222
847
838
508
629
1,024
1,119
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
2
8
14
25
21
25
24
Depreciation Expense
-8
-12
- -
6
135
-109
-240
-129
54
49
Net Income, GAAP
- -
- -
- -
6.24
- -
- -
- -
- -
1.34
1.56
Effective Tax Rate (%)
-13.87
-12.89
-0.29
2.69
16
-12.97
-47.26
-20.45
5.23
4.42
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
79
51
42
748
751
715
1,257
1,753
1,756
LT Debt
- -
-55
-62
300
807
672
635
633
799
733
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
141
97
183
LT Borrowings
1,715
1,732
1,738
LT Finance Leases
41
21
18
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
97
98
96
Market Capitalization
4,809
4,199
2,480

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
495
657
475
Accounts Receivable, Net
44
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
237
304
263
ST Debt
141
97
183
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
34.48%
26.15%
Free Cash Flow
- -
-5.69%
-179.83%
Net Income, GAAP
- -
383.28%
-141.69%
Sales/Revenue/Turnover
- -
65.49%
62.84%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
128
128
162
211
629
2025
213
257
277
276
1,024
2026
308
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.74
-0.62
-0.07
-0.03
-1.44
2025
-0.03
0.06
0.33
0.19
0.56
2026
-0.07
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Upstart Holdings, Inc. (NASDAQ: UPST) operates a cloud-based artificial intelligence lending platform that connects consumers with banks, credit unions, and institutional investors for consumer credit products including personal loans ranging from $1,000 to $75,000; automotive retail, refinance, and auto-secured personal loans with average monthly savings of $127; home equity lines of credit (HELOCs) from $26,000 to $250,000 offered through Upstart Mortgage; and small dollar short-term loans from $200 to $2,500 for everyday expenses; the platform leverages advanced AI models trained on over 98 million repayment events to underwrite loans using non-traditional variables such as education and employment, enabling higher approval rates, lower default risks, and automated processing for 92% of loans. Founded in 2012 and headquartered in San Mateo, California, the company serves the U.S. market through three segments—Personal Lending, Auto Lending, and Other—partnering with more than 100 banks and credit unions to originate loans via Upstart.com, lender-branded sites, and auto dealerships powered by Upstart Auto Retail software. Recent developments include adding seven new bank and credit union partners in Q3 2025 for record monthly funding capacity; securing 17 third-party funding agreements including nine in Q3 to scale secured products like auto and home equity; renewing major institutional partnerships with 100% private credit retention and executing an asset-backed securities deal with 30 investors; launching enhancements such as hybrid auto-secured personal loans, multimodal AI for document verification, and calibration tools reducing conversion variability by 50%; and projecting full-year 2025 revenue of $1.035 billion with GAAP net income of $50 million amid 71% year-over-year Q3 revenue growth.

Company News

MCPAPIChat
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  • Upstart Holdings, Inc. (UPST) Registers a Bigger Fall Than the Market: Important Facts to Note

  • Upstart Holdings, Inc. (UPST) Presents at Morgan Stanley US Financials Conference 2026 Transcript

  • Is Upstart's AI Lending Comeback the Real Deal?

  • Upstart chipmakers keep challenging Nvidia. This time it's Microsoft-backed D-Matrix

  • UPST DEADLINE ALERT: ROSEN, NATIONAL TRIAL LAWYERS, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action - UPST

  • UPST DEADLINE TODAY: ROSEN, LEADING INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPST

  • Bronstein, Gewirtz & Grossman LLC Urges Upstart Holdings, Inc. Investors to Act: Class Action Filed Alleging Investor Harm

  • CLASS ACTION DEADLINE TONIGHT: Faruqi & Faruqi, LLP Highlights Class Action Against Upstart Holdings (UPST) and Upcoming Lead Plaintiff Deadline of June 8, 2026

  • CLASS ACTION DEADLINE TONIGHT: Faruqi & Faruqi, LLP Highlights Class Action Against Upstart Holdings (UPST) and Upcoming Lead Plaintiff Deadline of June 8, 2026

  • Upstart Holdings, Inc. Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights - UPST

  • UPST Investors Have Opportunity to Lead Upstart Holdings, Inc. Securities Fraud Lawsuit with the Schall Law Firm

  • UPST DEADLINE TOMORROW: ROSEN, A HIGHLY RECOGNIZED LAW FIRM, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action - UPST

  • UPST Deadline: UPST Investors Have Opportunity to Lead Upstart Holdings, Inc. Securities Fraud Lawsuit

  • UPST UPCOMING DEADLINE: Faruqi & Faruqi, LLP Reminds Upstart (UPST) Investors of Securities Class Action Deadline on June 8, 2026

  • UPST DEADLINE ALERT: ROSEN, TOP RANKED GLOBAL COUNSEL, Encourages Upstart Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action - UPST

  • UPST FINAL DEADLINE: ROSEN, LEADING TRIAL ATTORNEYS, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action - UPST

  • UPST IMPORTANT DEADLINE: ROSEN, SKILLED INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPST

  • JUNE 8th DEADLINE FOR UPSTART HOLDINGS INVESTORS: Bragar Eagel & Squire, P.C. Urges Upstart Holdings, Inc. Investors to Contact the Firm Regarding Their Rights Before June 8th