Upstart/$UPST
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About Upstart
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.
Ticker
$UPST
Sector
Primary listing
Industry
Consumer Finance
Headquarters
Employees
1,193
ISIN
US91680M1071
Website
Upstart Metrics
BasicAdvanced
$6B
-
-$0.74
2.39
-
Price and volume
Market cap
$6B
Beta
2.39
52-week high
$96.43
52-week low
$20.60
Average daily volume
5.4M
Financial strength
Current ratio
22.323
Quick ratio
7.909
Long term debt to equity
213.745
Total debt to equity
215.452
Interest coverage (TTM)
-1.83%
Profitability
EBITDA (TTM)
-51.828
Gross margin (TTM)
79.04%
Net profit margin (TTM)
-8.75%
Operating margin (TTM)
-9.64%
Effective tax rate (TTM)
-0.30%
Revenue per employee (TTM)
$640,000
Management effectiveness
Return on assets (TTM)
-2.16%
Return on equity (TTM)
-10.30%
Valuation
Price to revenue (TTM)
7.628
Price to book
8.91
Price to tangible book (TTM)
10.67
Price to free cash flow (TTM)
50.73
Free cash flow yield (TTM)
1.97%
Free cash flow per share (TTM)
125.03%
Growth
Revenue change (TTM)
31.54%
Earnings per share change (TTM)
-64.29%
3-year revenue growth (CAGR)
-9.99%
3-year earnings per share growth (CAGR)
-23.55%
What the Analysts think about Upstart
Analyst ratings (Buy, Hold, Sell) for Upstart stock.
Bulls say / Bears say
Upstart's Q1 2025 revenue surged to $213 million, a 67% year-over-year increase, with loan originations exceeding $2.1 billion, indicating strong growth momentum. (finviz.com)
The company announced a $1.2 billion forward-flow commitment with Fortress Investment Group, enhancing its funding capabilities and supporting future loan originations. (finviz.com)
Upstart's AI-driven lending platform achieved a browser-to-buyer conversion rate of 19.3%, up from 11.6%, reflecting improved efficiency and customer acquisition. (fool.com)
Upstart received an SEC subpoena regarding its AI models and loan disclosures, introducing regulatory uncertainty. (bloomberglaw.com)
Analysts express concerns over rising borrower delinquencies, particularly among higher credit scores, potentially impacting loan performance. (markets.businessinsider.com)
JP Morgan downgraded Upstart to 'Underweight,' citing valuation concerns and a projected delay in returning to 2022-level loan originations. (benzinga.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Jun 2025.
Upstart Financial Performance
Revenues and expenses
Upstart Earnings Performance
Company profitability
Upstart News
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Upcoming events
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FAQs
What’s the current market cap for Upstart stock?
Upstart (UPST) has a market cap of $6B as of June 30, 2025.
What is the P/E ratio for Upstart stock?
The price to earnings (P/E) ratio for Upstart (UPST) stock is 0 as of June 30, 2025.
Does Upstart stock pay dividends?
No, Upstart (UPST) stock does not pay dividends to its shareholders as of June 30, 2025.
When is the next Upstart dividend payment date?
Upstart (UPST) stock does not pay dividends to its shareholders.
What is the beta indicator for Upstart?
Upstart (UPST) has a beta rating of 2.39. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.