Upstart Holdings, Inc. UPST R2KR3KFINANCIAL
Company Overview
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Why Investors Should Care
Net profit has compounded at 55.0% per year over the last five years.
Revenue has grown at a 36.7% CAGR over the past five years.
Recent Developments
- Dec 2025 Revenue of $1.04B (+64.0% YoY); net profit $53.60M.
- Trailing 12 Months Year-on-year growth — revenue +42.3%, earnings +211.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 36.7%, profit CAGR 55.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 36.72% |
| 1 Year: | 42.30% |
Compounded Profit Growth
| 5 Years: | 55.04% |
| 1 Year: | 211.20% |
Stock Price Performance
| 1 Year: | -57.98% |
| 6 Months: | +1.08% |
| 3 Months: | -5.58% |
| 1 Month: | -5.49% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)43.44 · Neutral
P/E of 54.00 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 36.7% over 5 years.
- Profit CAGR of 55.0% over 5 years.
CONS
- Trading at a high P/E of 54.0.
- Trading 61.9% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UPST Upstart Holdings, Inc. R2KR3KFINANCIAL | 28.08 | 54.00 | $2.69B | 0.00% | - | 7.94% | 36.72% | 55.04% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 68.01M | 13.30M | 62.86M | 116.17M | 187.30M | 210.42M | 313.98M | 258.35M | 179.35M | 117.14M | 143.69M | 146.75M | - | - | - | - | - | - | - | - |
| Operating Income | 553.00K | -11.39M | 12.21M | 15.57M | 36.29M | 28.60M | 34.83M | -32.11M | -58.09M | -131.84M | -33.34M | -43.84M | -67.47M | -55.49M | -45.15M | -4.50M | 4.54M | 23.67M | -7.52M | 14.64M |
| Net Income | 1.48M | -6.19M | 9.67M | 10.10M | 37.28M | 29.11M | 32.69M | -29.87M | -56.22M | -129.25M | -28.16M | -40.31M | -64.60M | -54.47M | -6.76M | -2.45M | 5.61M | 31.80M | -6.65M | 16.54M |
| Diluted EPS | 0.00 | -0.42 | 0.10 | 0.11 | 0.39 | 0.30 | 0.34 | -0.36 | -0.69 | -1.58 | -0.34 | -0.48 | -0.74 | -0.62 | -0.07 | -0.03 | 0.05 | 0.23 | -0.07 | 0.16 |
| R&D Expense | 7.02M | 7.67M | 9.97M | 18.99M | 31.43M | 37.09M | 49.99M | 57.05M | 66.18M | 110.07M | 57.97M | 54.94M | 63.09M | 58.45M | 64.89M | 57.84M | 68.83M | 64.03M | 80.11M | 93.86M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 159.85M | 228.60M | 801.27M | 907.27M | 513.56M | 636.53M | 1.04B |
| Operating Income | -4.58M | 11.77M | 140.88M | -113.86M | -256.52M | -172.86M | 42.63M |
| Net Income | -466.00K | 5.98M | 135.44M | -108.67M | -240.13M | -128.58M | 53.60M |
| Diluted EPS | -0.03 | 0.00 | 1.43 | -1.31 | -2.87 | -1.44 | 0.45 |
| R&D Expense | 18.78M | 38.80M | 134.00M | 237.25M | 280.14M | 253.65M | 257.60M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 477.25M | 1.82B | 1.94B | 2.02B | 2.37B | 2.97B |
| Total Equity | -54.67M | -61.69M | 300.25M | 807.08M | 672.43M | 635.30M | 633.22M | 798.82M |
| Cash & Equivalents | - | - | - | - | - | 368.40M | 788.42M | 652.39M |
| Total Liabilities | - | - | 177.00M | 1.01B | 1.26B | 1.38B | 1.73B | 2.18B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 31.58M | 15.70M | 168.35M | -657.86M | -111.71M | 186.33M | -147.72M |
| Investing Cash Flow | 45.43M | 136.52M | -143.88M | -114.12M | -118.45M | -237.73M | -177.17M |
| Financing Cash Flow | -119.19M | 79.05M | 855.43M | 113.21M | 165.49M | 559.87M | 405.64M |
| Capital Expenditure | -4.00M | -1.35M | -8.43M | -8.82M | -1.53M | -837.00K | -347.00K |
| Free Cash Flow | 27.58M | 14.34M | 159.93M | -666.68M | -113.24M | 185.49M | -148.07M |
| Share Buybacks | - | - | 0 | 177.88M | 0 | 0 | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - |
| Operating Margin % | -2.9% | 5.1% | 17.6% | -12.6% | -50.0% | -27.2% | 4.1% |
| Net Margin % | -0.3% | 2.6% | 16.9% | -12.0% | -46.8% | -20.2% | 5.1% |
| ROE % | 0.8% | 2.0% | 16.8% | -16.2% | -37.8% | -20.3% | 6.7% |
| ROCE % | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.10% | 7.88M | $229.11M |
| 2 | Vanguard Portfolio Management LLC | 3.84% | 3.74M | $108.75M |
| 3 | Vanguard Capital Management LLC | 3.80% | 3.70M | $107.55M |
| 4 | Morgan Stanley | 2.48% | 2.41M | $70.22M |
| 5 | Goldman Sachs Group Inc | 2.46% | 2.40M | $69.65M |
| 6 | Marshall Wace LLP | 2.44% | 2.37M | $68.94M |
| 7 | Geode Capital Management, LLC | 2.29% | 2.23M | $64.81M |
| 8 | State Street Corporation | 2.18% | 2.12M | $61.61M |
| 9 | Clear Street Group Inc. | 1.88% | 1.83M | $53.19M |
| 10 | Halter Ferguson Financial Inc. | 1.80% | 1.75M | $50.84M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for UPST
UPST Stock Craters Overnight After Big Q1 Miss — Retail Bulls Are Far From Shaken - Stocktwits
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Upstart (UPST) Stock Looks Expensive Following a 90% Five Year Slump - Yahoo Finance
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How Investors May Respond To Upstart Holdings (UPST) New AI Model And Updated Macro Risk Index - simplywall.st
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PGY vs. UPST: Which AI Credit Stock Is the Better Investment Option? - Yahoo Finance
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Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound? - Eastern Progress
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Upstart's President Is Selling $456K In Stock, While Wall Street Analysts Hike Price Targets: What Gives - Stocktwits
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UPST — Frequently Asked Questions
What is the current share price of Upstart Holdings, Inc. (UPST)?
As of 2026-09-07 16:24 PDT, Upstart Holdings, Inc. (UPST) trades at $28.08 on NasdaqGS. Its 52-week range is $24.22 to $73.76.
What is the market capitalisation of UPST?
Upstart Holdings, Inc. (UPST) has a market capitalisation of $2.69B on NasdaqGS.
What is the P/E ratio of UPST?
UPST trades at a trailing price-to-earnings (P/E) ratio of 54.00. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 4.06.
What is the return on equity (ROE) of UPST?
UPST has a return on equity (ROE) of 7.94%.
Is UPST a good stock to buy?
This page provides a data-driven analysis of Upstart Holdings, Inc. (UPST), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.