Stock Fundamentals

AI Research Report

Generate a comprehensive financial analysis report powered by AI

UPST.US Logo

UPST.US - Current Price

$45.25

Company Information

ā–¼
Company Name
Upstart HoldingsĀ Inc
Sector
Financial Services
Industry
Credit Services
Exchange
NASDAQ
ISIN: US91680M1071
CIK: 0001647639
CUSIP: 91680M107
Currency: USD
Full Time Employees: 1,193
Phone: 833 212 2461
Website: https://www.upstart.com
Fiscal Year End: December
IPO Date: Dec 16, 2020
Description:

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 personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Address:

2950 South Delaware Street, San Mateo, CA, United States, 94403

Directors & Officers

ā–¼
Name Title Year Born
Mr. David J. Girouard Co-Founder, President, CEO & Chairperson of the Board 1966
Mr. Paul Gu Co-Founder, CTO & Director 1991
Mr. Sanjay Datta CFA Chief Financial Officer NA
Mr. Scott Darling Esq. Chief Legal Officer & Corporate Secretary 1972
Natalia Mirgorodskaya Chief Accounting Officer NA
Ms. Sonya Banerjee Head of Investor Relations NA
Ms. Annie Delgado Chief Compliance Officer & Chief Risk Officer NA
Ms. Alice Berry Senior Director of Treasury NA

Shares Statistics

ā–¼
Shares Outstanding: 97.29M
Shares Float: 85.01M
% Insiders: 1,228.20%
% Institutions: 7,409.50%
Short % Float: 26.88%

Valuation Metrics

ā–¼
Enterprise Value: $6.23B
Trailing P/E: 188.92
Forward P/E: 20.45

Financial Highlights

ā–¼
Market Cap: $4.78B
EBITDA: $73.05M
P/E Ratio: $188.92
Book Value: $7.65
Earnings/Share: $0.26
Profit Margin: 3.23%
Operating Margin: 11.35%
ROA (TTM): 1.33%
ROE (TTM): 4.81%
Revenue (TTM): $997.75M
Revenue/Share (TTM): $10.54
Earnings Growth (YOY): 209.10%
Revenue Growth (YOY): 65.30%

Stock Price History

ā–¼

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

ā–¼

Revenue & Net Income

Operating Expenses

Balance Sheet Overview

Earnings Per Share (EPS)

Earnings History

ā–¼
Date EPS Actual EPS Estimate Difference Surprise %
Dec 31, 2025 0.00 0.47 N/A -10,000.00%
Sep 30, 2025 0.52 0.42 N/A 2,380.95%
Jun 30, 2025 0.36 0.25 N/A 4,400.00%
Mar 31, 2025 0.30 0.17 N/A 7,647.06%
Dec 31, 2024 0.26 -0.04 N/A 75,000.00%
Sep 30, 2024 -0.06 -0.15 N/A 6,000.00%
Jun 30, 2024 -0.17 -0.39 N/A 5,641.03%
Mar 31, 2024 -0.31 -0.39 N/A 2,051.28%
Dec 31, 2023 -0.11 -0.14 N/A 2,142.86%
Sep 30, 2023 -0.05 -0.02 N/A -15,000.00%
Jun 30, 2023 0.06 -0.07 N/A 18,571.43%
Mar 31, 2023 -0.47 -0.81 N/A 4,197.53%
Dec 31, 2022 -0.25 -0.47 N/A 4,680.85%
Sep 30, 2022 -0.24 -0.08 N/A -20,000.00%
Jun 30, 2022 0.01 0.10 N/A -9,000.00%
Mar 31, 2022 0.61 0.51 N/A 1,960.78%
Dec 31, 2021 0.89 0.51 N/A 7,450.98%
Sep 30, 2021 0.60 0.33 N/A 8,181.82%
Jun 30, 2021 0.62 0.25 N/A 14,800.00%
Mar 31, 2021 0.22 0.15 N/A 4,666.67%
Dec 31, 2020 0.07 0.02 N/A 25,000.00%
Sep 30, 2020 -0.09 0.00 N/A N/A
Jun 30, 2020 0.66 0.00 N/A N/A
Jun 30, 2019 -0.02 0.00 N/A N/A

Balance Sheet (Yearly)

ā–¼
Date Cash Total Debt Total Assets Total Liabilities Total Equity
2024-12-31 $793.61M $N/A $2.37B $1.73B $633.22M
2023-12-31 $377.32M $N/A $2.02B $1.38B $635.31M
2022-12-31 $432.41M $N/A $1.94B $1.26B $672.44M
2021-12-31 $994.99M $N/A $1.82B $1.01B $807.08M
2020-12-31 $258.77M $N/A $477.26M $177.00M $300.25M
2019-12-31 $50.82M $N/A $393.46M $455.15M $-62.71M
2018-12-31 $73.04M $N/A $645.91M $542.66M $91.25M
2017-12-31 $N/A $N/A $N/A $N/A $N/A

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Sep 15, 2025 N/A N/A N/A N/A N/A N/A
Sep 02, 2025 N/A N/A N/A N/A N/A N/A
Sep 02, 2025 N/A N/A N/A N/A N/A N/A
Sep 02, 2025 N/A N/A N/A N/A N/A N/A
Aug 25, 2025 N/A N/A N/A N/A N/A N/A
Aug 22, 2025 N/A N/A N/A N/A N/A N/A
Aug 20, 2025 N/A N/A N/A N/A N/A N/A
Aug 20, 2025 N/A N/A N/A N/A N/A N/A
Aug 15, 2025 N/A N/A N/A N/A N/A N/A
Jul 15, 2025 N/A N/A N/A N/A N/A N/A
Jul 08, 2025 N/A N/A N/A N/A N/A N/A
Jul 02, 2025 N/A N/A N/A N/A N/A N/A
Jun 20, 2025 N/A N/A N/A N/A N/A N/A
Jun 11, 2025 N/A N/A N/A N/A N/A N/A
Jun 02, 2025 N/A N/A N/A N/A N/A N/A
May 23, 2025 N/A N/A N/A N/A N/A N/A
May 20, 2025 N/A N/A N/A N/A N/A N/A
May 20, 2025 N/A N/A N/A N/A N/A N/A
Feb 20, 2025 N/A N/A N/A N/A N/A N/A
Feb 20, 2025 N/A N/A N/A N/A N/A N/A

Watchlist

0

No stocks in watchlist