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Home CompaniesUpstart Holdings Inc

Upstart Holdings Inc

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
19.5899 USD -0.97 ( 4.72%)
Last update at 2026-11-12T15:50:00Z
VOLUME
1374808
Market Cap
2460.07M
P/E
50.56

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
19.47
Low
20.09
High
52 Week Price Range
23.96
Low
71.38
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
20.56
Dividend Yield
-
Revenue TTM
1285.89M
Revenue Per Share
13.26
Gross Profit TTM
1067.85M
Debt / Equity
2.32
ROE
7.94%
Net Debt
1192.85M
ROCE
2.11%
Diluted EPS TTM
0.50

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 54.33M -128.40M -240.03M -109.07M 133.73M
Minority interest - - - 0.00M 0.00M
Net income 53.60M -128.58M -240.13M -108.67M 135.44M
Selling general administrative 442.12M 388.93M 362.81M 373.28M 240.26M
Selling and marketing expenses 301.51M 166.80M 127.14M 345.78M 333.45M
Gross profit 1023.99M 628.83M 508.12M 654.45M 731.01M
Reconciled depreciation 24.84M 20.55M 19.45M 13.51M 7.54M
Ebit 54.33M -128.40M -240.03M -113.86M 140.88M
Ebitda 79.16M -107.85M -215.12M -100.35M 148.42M
Depreciation and amortization 24.84M 20.55M 24.90M 13.51M 7.54M
Non operating income net other - - - 9.47M -5.17M
Operating income 54.33M -128.40M -240.03M -113.86M 140.88M
Other operating expenses 1021.19M 805.36M 787.74M 965.78M 568.53M
Interest expense 51.54M 48.13M 39.60M 10.84M 3.27M
Tax provision 0.73M 0.18M -0.42M -0.41M -1.71M
Interest income 204.23M 186.36M 156.22M 105.58M 50.59M
Net interest income 152.69M 138.23M 130.87M 94.74M 47.31M
Income tax expense 0.73M 0.18M 0.11M -0.41M -1.71M
Total revenue 1075.52M 676.96M 547.72M 842.44M 848.59M
Total operating expenses 969.66M 757.23M 748.14M 956.31M 707.71M
Cost of revenue 51.54M 48.13M 39.60M 187.99M 117.58M
Total other income expense net 11.70M 44.46M 16.50M -11.66M -7.15M
Net income from continuing ops 53.60M -128.58M -253.00M -103.98M 135.44M
Net income applicable to common shares - - - -108.67M 135.44M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2974.80M 2366.96M 2017.10M 1936.05M 1820.45M
Intangible assets 8.29M 9.43M 11.36M 15.63M 19.91M
Other current assets 444.28M 216.67M 1270.64M 110.06M 514.32M
Total liab 2175.99M 1733.74M 1381.80M 1263.62M 1013.38M
Total stockholder equity 798.82M 633.22M 635.30M 672.43M 807.08M
Other current liab 271.71M 249.79M 111.84M -235.66M -54.59M
Common stock 0.01M 0.01M 0.01M 0.01M 0.01M
Capital stock 0.01M 0.01M 0.01M 0.01M 0.01M
Retained earnings -357.56M -411.16M -282.58M -42.44M 66.22M
Other liab - - - 103.57M 107.60M
Good will 67.06M 67.06M 67.06M 67.06M 67.06M
Other assets 2132.37M 1190.89M 0.00M 1259.20M 578.21M
Cash 657.45M 793.61M 467.79M 422.41M 986.61M
Total current liabilities 401.02M 457.77M 139.42M 119.50M 54.59M
Net debt 1192.85M 658.84M 776.38M 1001.22M -190.81M
Short term debt 97.33M 195.60M 14.97M 336.45M 48.03M
Short long term debt 97.33M 195.60M 387.43M 336.45M 48.03M
Short long term debt total 1850.29M 1452.45M 1244.16M 1423.63M 795.80M
Other stockholder equity 1156.36M 1044.37M 917.87M 714.87M 740.85M
Property plant equipment - - - 44.17M 120.38M
Total current assets 1199.14M 1080.57M 467.79M 463.66M 994.90M
Long term investments 41.25M 41.25M 41.25M 41.25M 40.00M
Net tangible assets - - - 589.74M 720.11M
Short term investments 41.25M 5.18M 41.25M 41.25M 8.38M
Net receivables 97.42M 70.29M 55.34M 52.83M 8.29M
Long term debt 1731.81M 1206.56M 653.00M 986.39M 695.43M
Inventory - - -1325.98M - 55.52M
Accounts payable 31.98M 12.38M 12.61M 18.71M 6.56M
Common stock total equity - - - 0.01M 0.01M
Retained earnings total equity - - - -42.44M 66.22M
Non currrent assets other 613.92M 278.01M 45.48M -41.25M -247.34M
Non current assets total 1775.66M 1286.39M 1549.31M 213.20M 247.34M
Capital lease obligations 21.15M 50.28M 62.32M 100.79M 100.37M
Long term debt total - - - 986.39M 695.43M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -237.73M -173.68M -91.21M -40.00M
Change to liabilities - - - -19.42M -7.51M
Total cashflows from investing activities -177.17M -237.73M -118.45M -114.12M -143.88M
Net borrowings 390.64M 562.66M 192.97M 287.92M 647.11M
Total cash from financing activities 405.64M 559.87M 165.49M 130.03M 855.43M
Change to operating activities - - - -860.54M -35.14M
Net income 53.60M -128.58M -240.13M -108.67M 135.44M
Change in cash 80.75M 508.48M -64.68M -658.77M 879.91M
Begin period cash flow 976.26M 467.79M 532.47M 1191.24M 311.33M
End period cash flow 1057.01M 976.26M 467.79M 532.47M 1191.24M
Total cash from operating activities -147.72M 186.33M -111.71M -674.68M 168.35M
Issuance of capital stock - - 0.00M 0.00M 263.93M
Depreciation 24.84M 20.55M 24.90M 13.51M 7.54M
Other cashflows from investing activities -176.82M -260.75M -116.93M -14.09M 11.46M
Dividends paid - - 8.43M - -
Sale purchase of stock - -0.02M -0.01M -177.88M 282.81M
Other cashflows from financing activities -10.30M -31.86M -48.78M 708.81M 662.82M
Change to netincome - - - -849.82M 68.03M
Capital expenditures 18.41M 9.99M 12.09M 22.91M 15.12M
Cash flows other operating - - - 289.71M 4.70M
Cash and cash equivalents changes - - - -658.77M 879.91M
Change in working capital 26.64M 34.63M -19.71M -21.87M 55.24M
Stock based compensation 131.95M 133.40M 175.04M 125.94M 73.19M
Other non cash items -384.75M 126.34M -51.81M -683.61M -102.83M
Free cash flow -166.13M 176.34M -123.80M -697.59M 153.24M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
UPST
Upstart Holdings Inc		 -0.97
4.72%		 19.59 50.56 14.49 1.91 3.19 3.72
V
Visa Inc. Class A		 0.88
0.21%		 426.43 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc		 0.82
0.12%		 661.55 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company		 -1.18
0.37%		 321.93 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -0.13
0.07%		 196.98 11.39 8.75 2.64 1.11 2.76

Profile*

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.

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

833 212 2461

https://www.upstart.com

1405

Name Title Year Born
Mr. David J. Girouard Co-Founder, Pres, CEO & Chairperson of the Board 1966
Mr. Paul Gu Co-Founder, CTO & Director 1991
Ms. Anna M. Counselman Co-Founder & Sr. VP of Bus. Operations 1981
Mr. Sanjay Datta CFA Chief Financial Officer NA
Ms. Alison Nicoll Gen. Counsel & Sec. 1972
Mr. Jason Schmidt VP of Investor Relations NA
Ms. Annie Delgado Chief Compliance Officer NA
Scott Darling Chief Legal Officer & Corp. Sec. NA
Ms. Pavi Ramamurthy Chief Information Security Officer NA
Natalia Mirgorodskaya Corp. Controller NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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