UPST logo

UPSTART HOLDINGS INC

UPSTNASDAQ
🏆 #1927 by market capEarnings Nov 2💳Fintech
$23.09▲ $0.05 (+0.22%)
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24h▲ 0.2%
7d▼ 11.1%
14d▼ 8.7%
30d▼ 20.5%
ytd▼ 47.2%
1y▼ 56.2%
🏦Market Cap
$2.21B
Small Cap
📈Revenue Growth (YoY)
+58.9%
High Growth
📊Gross Margin
95.4%
High
💵FCF Margin
-23.1%
Thin
⚖️P/S Ratio
1.7x
Cheap
Otter Score
56
Weak

Trading Snapshot

Day Range
$22.89 – $23.33
52-Week Range
$22.79 – $57.95
Volume
$3.44B
Avg Volume
$3.10B
Shares Outstanding
95.7M
Next Earnings
Nov 28, 2026

Fundamentals Snapshot

Annual Revenue
$1.08B
Last Q Revenue
$377M
P/E Ratio
37.1
P/S Ratio
1.7x
EPS (TTM)
$0.62
Dividend Yield
0.00%
Dilution (1yr)
+21.8%

Why Investors Own UPST

  • ✓High-growth profile — revenue up +23.3% YoY with expanding Fintech exposure.
  • ✓Healthy economics — 28% gross margin and 26% free-cash-flow margin.
  • ✓Expanding take-rate and new products grow revenue per user.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

UPST logo

UPSTART HOLDINGS INC

UPST
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.1B▲ +58.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
95.2%▲ +2.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$54M▼ −142.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
−$166M▼ −194.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
112.2M▲ +21.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$1.2B▼ −$534M YoY
StockOtter · stockotter.space

About UPSTART HOLDINGS INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Weak
56/100

Analyst Price Target

ⓘ
Average Target
$30.72
▲ +33.1% Upside
High Target$36.55
Low Target$25.46
Based on 12 analysts

Latest News & Updates

🚀
CNBC·2h ago

UPSTART HOLDINGS INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Barron’s·5h ago

Analysts lift UPST price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

🌌
Reuters·1d ago

UPSTART HOLDINGS INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.