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Upstart Holdings, Inc.

$25.59 -$20.25 (-44.18%)
NASDAQ · 11 Sep 2026 20:00 UTC
Previous Close
$25.1
Day Range
$25.4$26.33
Year Range
$23.96$71.38
Market Cap
2.45B
AVG Volume
4.53M
Trailing/Forward PE
41.18/13.82
PEG ratio
0.24
Dividend Yield
-
Next Earnings Date
2026-11-03
Primary Exchange
NASDAQUS
Revenue (USD)
0100M200M300M400M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q2377.24M
26 Q1318.58M
25 Q4304.17M
25 Q3285.9M
25 Q2265.06M
25 Q1220.39M
24 Q4226.4M
24 Q3172.96M
24 Q2139.1M
24 Q1138.51M
Net Income (USD)
-75M-50M-25M025M50M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q216.54M
26 Q1-6.65M
25 Q418.64M
25 Q331.8M
25 Q25.61M
25 Q1-2.45M
24 Q4-2.75M
24 Q3-6.76M
24 Q2-54.47M
24 Q1-64.6M
Operating Income (USD)
-75M-50M-25M025M50M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q217.15M
26 Q1-6.56M
25 Q419.16M
25 Q331.93M
25 Q25.66M
25 Q1-2.42M
24 Q4-2.64M
24 Q3-6.71M
24 Q2-54.45M
24 Q1-64.58M
EBITDA (USD)
-75M-50M-25M025M50M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q224.28M
26 Q1-704K
25 Q425.62M
25 Q338.06M
25 Q211.5M
25 Q13.98M
24 Q42.06M
24 Q3-1.32M
24 Q2-49.63M
24 Q1-58.95M
Cash Flows (USD)
-200M-100M0100M200M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q2-134.45M
26 Q1-140.29M
25 Q4104.63M
25 Q3-126.59M
25 Q2-124.53M
25 Q1-19.64M
24 Q4-114.34M
24 Q3176.85M
24 Q271.25M
24 Q142.59M
EPS (USD)
-0.75-0.5-0.2500.2524 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST EPS (USD) by quarter
PeriodEPS (USD)
26 Q20.16
26 Q1-0.07
25 Q40.17
25 Q30.25
25 Q20.05
25 Q1-0.03
24 Q4-0.03
24 Q3-0.07
24 Q2-0.62
24 Q1-0.74
Expenses (USD)
-100M0100M200M300MR&DSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q2254.03M
26 Q1242.61M
25 Q4214.18M
25 Q3193.38M
25 Q2188.29M
25 Q1166.19M
24 Q4159.91M
24 Q3144.9M
24 Q2126.99M
24 Q1133.92M
Cash & Debt (USD)
01B2B3BCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q2455.96M
26 Q1931.33M
25 Q4657.45M
25 Q3494.89M
25 Q2400.56M
25 Q1605.37M
24 Q4793.61M
24 Q3450.22M
24 Q2379.66M
24 Q1306.97M
Debt ratios
-25025507524 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Debt ratios by quarter
PeriodDebt ratios
26 Q217.99
26 Q114.06
25 Q415.07
25 Q325.21
25 Q266.1
25 Q1-17.29
24 Q4-6.11
24 Q3-3.43
24 Q2-3.33
24 Q1-5.01
Margins
0%25%50%75%100%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Margins by quarter
PeriodMargins
26 Q296.68%
26 Q196.74%
25 Q490.81%
25 Q396.92%
25 Q297.07%
25 Q196.81%
24 Q493.32%
24 Q393.75%
24 Q291.75%
24 Q192.26%
Return on Capital
-15%-10%-5%0%5%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Return on Capital by quarter
PeriodReturn on Capital
26 Q22.07%
26 Q1-0.91%
25 Q42.33%
25 Q34.28%
25 Q20.78%
25 Q1-0.36%
24 Q4-0.44%
24 Q3-1.13%
24 Q2-9.16%
24 Q1-10.54%
Shares Outstanding
025M50M75M100M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Shares Outstanding by quarter
PeriodShares Outstanding
26 Q296.57M
26 Q196.9M
25 Q497.59M
25 Q396.68M
25 Q295.53M
25 Q194.28M
24 Q492.17M
24 Q390.12M
24 Q288.44M
24 Q187.03M
Book Value Per Share (USD)
02.557.51024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q28.26
26 Q17.57
25 Q48.19
25 Q37.69
25 Q27.56
25 Q17.18
24 Q46.87
24 Q36.61
24 Q26.72
24 Q17.04
Total Assets (USD)
01B2B3B4B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
UPST Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q23.17B
26 Q12.96B
25 Q42.97B
25 Q32.9B
25 Q22.48B
25 Q12.3B
24 Q42.37B
24 Q31.81B
24 Q21.82B
24 Q11.93B
Employee Count
05001K1.5K2K202020212022202320242025
UPST Employee Count by quarter
PeriodEmployee Count
20251.41K
20241.19K
20231.39K
20221.88K
20211.5K
2020554
PE Ratio
0100200300400med 58.97Apr 22Jul 22Oct 22Feb 23Feb 26May 26Sep 26
UPST PE Ratio by quarter
PeriodPE Ratio
Sep 2640.96
Sep 2644.9
Aug 2646.55
Aug 2648.5
Aug 2648.71
Aug 2649.76
Jul 2653.82
Jul 2652.82
Jul 2657.88
Jul 2664.22
Jul 2668.22
Jun 2666.02
Jun 2663.61
Jun 2659.83
Jun 2658.33
May 2666.28
May 2656.02
May 2657.88
May 2656.81
May 2659.61
Apr 2660.98
Apr 2662.94
Apr 2649.63
Apr 2646.58
Mar 2645.1
Mar 2647.3
Mar 2648
Mar 2650.58
Feb 2649.58
Feb 2653.33
Feb 2655.86
Feb 26114.78
Jan 26117.81
Jan 26135.94
Jan 26144.44
Jan 26147.44
Jan 26137.6
Dec 25142.49
Dec 25142.85
Dec 25148.13
Dec 25140.33
Nov 25134.95
Nov 25111.33
Nov 25116.22
Nov 25115.86
Feb 23239.8
Feb 23324.93
Jan 23283.03
Jan 23254.21
Jan 23249.8
Jan 23192.46
Dec 22194.37
Dec 22194.08
Dec 22225.54
Dec 22251.12
Dec 22274.5
Nov 22272.3
Nov 22282.44
Nov 22331.4
Nov 2217.69
Oct 2221.62
Oct 2219.95
Oct 2220.95
Oct 2219.06
Sep 2218.98
Sep 2219.63
Sep 2222.34
Sep 2225.14
Sep 2222.26
Aug 2223.02
Aug 2225.99
Aug 2231.74
Aug 2217.88
Jul 2214.7
Jul 2215.72
Jul 2215.54
Jul 2216.36
Jul 2219.82
Jun 2224.74
Jun 2221.23
Jun 2222.65
Jun 2229.32
May 2230.4
May 2227
May 2223.03
May 2260.88
Apr 2254.44
Apr 2254.38
Apr 2259.95
Apr 2266.16
Apr 2279.12
Mar 2275.31
Mar 2291.05
Mar 2272.63
Mar 2293.09
Feb 2298.61
Feb 2294.38
Feb 22123.93
Feb 22122.21
Jan 22117.71
Free Cash Flow Yield
-15%-10%-5%0%5%10%med -1.78%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UPST Free Cash Flow Yield by quarter
PeriodFree Cash Flow Yield
Sep 26-12.01%
Sep 26-10.95%
Aug 26-10.56%
Aug 26-10.14%
Aug 26-10.1%
Aug 26-9.88%
Jul 26-10.79%
Jul 26-10.99%
Jul 26-10.03%
Jul 26-9.04%
Jul 26-8.51%
Jun 26-8.79%
Jun 26-9.13%
Jun 26-9.7%
Jun 26-9.95%
May 26-8.76%
May 26-10.36%
May 26-10.03%
May 26-10.22%
May 26-5.2%
Apr 26-5.08%
Apr 26-4.92%
Apr 26-6.24%
Apr 26-6.65%
Mar 26-6.87%
Mar 26-6.55%
Mar 26-6.46%
Mar 26-6.13%
Feb 26-6.25%
Feb 26-5.81%
Feb 26-5.55%
Feb 26-10.42%
Jan 26-10.15%
Jan 26-8.79%
Jan 26-8.28%
Jan 26-8.11%
Jan 26-8.69%
Dec 25-8.39%
Dec 25-8.37%
Dec 25-8.07%
Dec 25-8.52%
Nov 25-8.86%
Nov 25-10.74%
Nov 25-10.29%
Nov 25-10.32%
Oct 25-1.8%
Oct 25-1.62%
Oct 25-1.84%
Oct 25-1.76%
Oct 25-1.65%
Sep 25-1.49%
Sep 25-1.26%
Sep 25-1.36%
Sep 25-1.28%
Aug 25-1.17%
Aug 25-1.24%
Aug 25-1.33%
Aug 25-1.24%
Aug 251.53%
Jul 251.45%
Jul 251.54%
Jul 251.6%
Jul 251.64%
Jun 251.91%
Jun 252.09%
Jun 252.33%
Jun 252.23%
May 252.57%
May 252.67%
May 252.52%
May 252.57%
May 253.82%
Apr 253.93%
Apr 254.68%
Apr 254.91%
Apr 255.5%
Mar 254.05%
Mar 253.68%
Mar 253.94%
Mar 253.56%
Feb 252.87%
Feb 252.67%
Feb 252.32%
Feb 252.34%
Jan 252.49%
Jan 252.39%
Jan 252.56%
Jan 252.79%
Jan 252.52%
Dec 242.37%
Dec 242.36%
Dec 241.91%
Dec 242.09%
Nov 242.05%
Nov 242.18%
Nov 242.36%
Nov 241.99%
Nov 24-3.32%
Oct 24-3.18%
Oct 24-3.03%
Price to Sales
051015med 5.44Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UPST Price to Sales by quarter
PeriodPrice to Sales
Sep 261.92
Sep 262.11
Aug 262.18
Aug 262.28
Aug 262.29
Aug 262.33
Jul 262.27
Jul 262.22
Jul 262.44
Jul 262.7
Jul 262.87
Jun 262.78
Jun 262.68
Jun 262.52
Jun 262.46
May 262.79
May 262.36
May 262.44
May 262.39
May 262.97
Apr 263.04
Apr 263.14
Apr 262.47
Apr 262.32
Mar 262.25
Mar 262.36
Mar 262.39
Mar 262.52
Feb 262.47
Feb 262.66
Feb 262.78
Feb 263.71
Jan 263.8
Jan 264.39
Jan 264.66
Jan 264.76
Jan 264.44
Dec 254.6
Dec 254.61
Dec 254.78
Dec 254.53
Nov 254.36
Nov 253.59
Nov 253.75
Nov 253.74
Oct 255.13
Oct 255.69
Oct 255.02
Oct 255.24
Oct 255.61
Sep 256.19
Sep 257.33
Sep 256.81
Sep 257.22
Aug 257.91
Aug 257.43
Aug 256.92
Aug 257.42
Aug 259.84
Jul 2510.38
Jul 259.74
Jul 259.39
Jul 259.17
Jun 257.88
Jun 257.21
Jun 256.46
Jun 256.75
May 255.86
May 255.62
May 255.97
May 255.86
May 256.82
Apr 256.63
Apr 255.57
Apr 255.31
Apr 254.74
Mar 256.44
Mar 257.07
Mar 256.61
Mar 257.31
Feb 259.08
Feb 259.77
Feb 2511.22
Feb 2510.35
Jan 259.73
Jan 2510.14
Jan 259.46
Jan 258.68
Jan 259.63
Dec 2410.22
Dec 2410.28
Dec 2412.7
Dec 2411.6
Nov 2411.84
Nov 2411.13
Nov 2410.28
Nov 2412.18
Nov 247.51
Oct 247.84
Oct 248.24
EV/EBITDA
0200400600med 54.59Jul 22Oct 22Jan 23Oct 25Feb 26May 26Sep 26
UPST EV/EBITDA by quarter
PeriodEV/EBITDA
Sep 2646.31
Sep 2649.03
Aug 2650.17
Aug 2651.52
Aug 2651.67
Aug 2652.4
Jul 2649.76
Jul 2649.1
Jul 2652.45
Jul 2656.66
Jul 2659.31
Jun 2657.85
Jun 2656.25
Jun 2653.74
Jun 2652.75
May 2658.02
May 2651.22
May 2652.45
May 2651.74
May 2655.43
Apr 2656.36
Apr 2657.69
Apr 2648.67
Apr 2646.6
Mar 2645.61
Mar 2647.1
Mar 2647.57
Mar 2649.32
Feb 2648.64
Feb 2651.18
Feb 2652.89
Feb 2691.71
Jan 2693.46
Jan 26103.97
Jan 26108.89
Jan 26110.63
Jan 26104.92
Dec 25107.76
Dec 25107.97
Dec 25111.03
Dec 25106.51
Nov 25103.39
Nov 2589.71
Nov 2592.54
Nov 2592.33
Oct 25346.09
Oct 25376.55
Oct 25340.08
Oct 25352.34
Oct 25372.25
Sep 25404.01
Sep 25466.11
Sep 25437.77
Sep 25460.28
Aug 25497.87
Aug 25471.77
Aug 25443.72
Aug 25471.24
Feb 2390.24
Feb 23115.97
Jan 23103.3
Jan 2394.59
Jan 2393.26
Jan 2375.93
Dec 2276.5
Dec 2276.41
Dec 2285.92
Dec 2293.66
Dec 22100.72
Nov 22100.06
Nov 22103.12
Nov 22117.92
Nov 2217.48
Oct 2221.02
Oct 2219.52
Oct 2220.42
Oct 2218.72
Sep 2218.65
Sep 2219.23
Sep 2221.67
Sep 2224.19
Sep 2221.6
Aug 2222.28
Aug 2224.96
Aug 2230.14
Aug 2217.68
Jul 2214.64
Jul 2215.62
Jul 2215.45
Jul 2216.23
Jul 2219.54
Jun 2224.22
Jun 2220.87
Jun 2222.23
Jun 2228.6
May 2229.63
May 2226.38
May 2222.6
May 2256.96
Apr 2250.79
Price/Operating Cashflow
0100200300med 58.36Aug 21Nov 21Mar 22Jun 24Jan 25Apr 25Aug 25
UPST Price/Operating Cashflow by quarter
PeriodPrice/Operating Cashflow
Aug 2558.12
Jul 2561.28
Jul 2557.49
Jul 2555.48
Jul 2554.16
Jun 2546.53
Jun 2542.56
Jun 2538.16
Jun 2539.86
May 2534.6
May 2533.2
May 2535.27
May 2534.6
May 2524.77
Apr 2524.08
Apr 2520.24
Apr 2519.29
Apr 2517.21
Mar 2523.39
Mar 2525.7
Mar 2524.01
Mar 2526.56
Feb 2532.98
Feb 2535.5
Feb 2540.77
Feb 2540.41
Jan 2538
Jan 2539.58
Jan 2536.95
Jan 2533.89
Jan 2537.61
Dec 2439.9
Dec 2440.15
Dec 2449.57
Dec 2445.29
Nov 2446.24
Nov 2443.47
Nov 2440.12
Nov 2447.54
Aug 24201.96
Jul 24221.93
Jul 24236.21
Jul 24230.43
Jul 24197.2
Jun 24200.51
Jun 24183.94
Jun 24190.31
Jun 24209.01
May 24210.12
May 24198.47
May 24215.98
May 24215.9
May 2254.03
Apr 2248.31
Apr 2248.26
Apr 2253.2
Apr 2258.71
Apr 2270.22
Mar 2266.83
Mar 2280.8
Mar 2264.45
Mar 2282.61
Feb 2287.51
Feb 2283.75
Feb 2238.74
Feb 2238.2
Jan 2236.79
Jan 2235.91
Jan 2243.03
Jan 2245.3
Dec 2158.6
Dec 2157.38
Dec 2153.91
Dec 2162.26
Dec 2166.46
Nov 2181.11
Nov 2180.16
Nov 21102.32
Nov 21141.5
Oct 21137.44
Oct 21146.2
Oct 21166.45
Oct 21132.83
Oct 21127.51
Sep 21139.93
Sep 21129.45
Sep 21115.43
Sep 21105.54
Aug 2195.25
Aug 2183.5
Aug 2186.76
Aug 2183.15
Jul 2176
Jul 2173.36
Jul 2171.61
Jul 2175.52
Jul 2176.28
Jun 2176.9
Jun 2177.95
Jun 2178.98
Price to Book
2.557.51012.515med 6.4Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
UPST Price to Book by quarter
PeriodPrice to Book
Sep 263.1
Sep 263.4
Aug 263.52
Aug 263.67
Aug 263.68
Aug 263.76
Jul 263.63
Jul 263.56
Jul 263.9
Jul 264.33
Jul 264.6
Jun 264.45
Jun 264.29
Jun 264.03
Jun 263.93
May 264.47
May 263.77
May 263.9
May 263.83
May 264
Apr 264.09
Apr 264.22
Apr 263.33
Apr 263.13
Mar 263.03
Mar 263.17
Mar 263.22
Mar 263.39
Feb 263.33
Feb 263.58
Feb 263.75
Feb 264.97
Jan 265.1
Jan 265.89
Jan 266.26
Jan 266.39
Jan 265.96
Dec 256.17
Dec 256.19
Dec 256.42
Dec 256.08
Nov 255.84
Nov 254.82
Nov 255.03
Nov 255.02
Oct 256.29
Oct 256.97
Oct 256.15
Oct 256.43
Oct 256.87
Sep 257.59
Sep 258.98
Sep 258.35
Sep 258.85
Aug 259.7
Aug 259.11
Aug 258.48
Aug 259.1
Aug 2511.04
Jul 2511.64
Jul 2510.92
Jul 2510.54
Jul 2510.29
Jun 258.84
Jun 258.08
Jun 257.25
Jun 257.57
May 256.57
May 256.31
May 256.7
May 256.57
May 257.29
Apr 257.09
Apr 255.96
Apr 255.68
Apr 255.07
Mar 256.88
Mar 257.56
Mar 257.07
Mar 257.82
Feb 259.7
Feb 2510.45
Feb 2512
Feb 2510.42
Jan 259.8
Jan 2510.21
Jan 259.53
Jan 258.74
Jan 259.7
Dec 2410.29
Dec 2410.35
Dec 2412.78
Dec 2411.68
Nov 2411.92
Nov 2411.21
Nov 2410.34
Nov 2412.26
Nov 247.21
Oct 247.52
Oct 247.9
Upstart Holdings, Inc.
UPST
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News: UPST

Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the Market

fool.com · 13 Sep 2026

Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the Market

CEO Paul Gu called the perception gap facing Upstart "quite severe." The company has made its business much more resilient in the last few years.

Upstart CEO Paul Gu Buys 50,000 Shares for $1.3 Million. What Does This Mean for Investors Now?

fool.com · 11 Sep 2026

Upstart CEO Paul Gu Buys 50,000 Shares for $1.3 Million. What Does This Mean for Investors Now?

Purchased 50,000 shares at $25.55 per share on September 10, 2026, for a total value of ~$1.3 million. The transaction involved shares equal to 26% of the indirect equity holdings reported prior to the filing.

Upstart's CEO Spoke at Goldman Sachs Conference This Week — Here's What to Know

benzinga.com · 11 Sep 2026

Upstart's CEO Spoke at Goldman Sachs Conference This Week — Here's What to Know

Upstart Holdings Inc. (NASDAQ:UPST) had a busy week that included commentary at a major investor conference, a fresh analyst initiation and an insider stock purchase from its CEO.

Upstart Holdings, Inc. (UPST) Dips More Than Broader Market: What You Should Know

zacks.com · 9 Sep 2026

Upstart Holdings, Inc. (UPST) Dips More Than Broader Market: What You Should Know

In the most recent trading session, Upstart Holdings, Inc. (UPST) closed at $25.93, indicating a -3.89% shift from the previous trading day.

Upstart Refocuses on Personal Loans as Consumer Stress Rises

marketbeat.com · 9 Sep 2026

Upstart Refocuses on Personal Loans as Consumer Stress Rises

Upstart NASDAQ: UPST CEO Paul Gu said the company is concentrating its efforts on expanding its core personal loan business, which he described as the company's most differentiated and highest-margin product. Gu said the segment's growth accelerated in the second quarter, with core personal loan growth reaching roughly 3.5 times the growth recorded across the prior three quarters combined.

Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript

seekingalpha.com · 8 Sep 2026

Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript

Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript

Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound?

zacks.com · 3 Sep 2026

Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound?

Upstart (UPST) reported earnings 30 days ago. What's next for the stock?

Upstart Publishes August 2026 Originations and Latest UMI

businesswire.com · 3 Sep 2026

Upstart Publishes August 2026 Originations and Latest UMI

BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes August 2026 Originations and Latest UMI.

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