Company Financials

Upstart Holdings, Inc. Financials

United States dollar

business Upstart Holdings, Inc. Company Profile

Main Stock Listing

NASDAQ: UPST

Market Capitalization $4.46 Billion as of Jan. 1, 2026

Market Cap History

Valuations Metrics as of Jan. 3, 2026

Trailing PE 168.19
Forward PE 18.21
Price to Sales TTM $4.26
Price to Book MRQ $5.72
Enterprise to Revenue 5.72
Enterprise to EBITDA 78.17

Financial Reports as of Sep. 30, 2025

Financials

Fiscal Year Ends 2024-12-31
Most Recent Quarter 2025-09-30
Profit Margin 3.23%
Operating Margin 11.35%
Return on Assets TTM 1.33%
Return on Equity TTM 4.81%

Income Statement

Revenue TTM $997,747,968
Revenue per Share TTM $10.54
Quarterly Revenue Growth 65.30%
Gross Profit TTM $820,609,024
EBITDA $73,052,000
Net Income to Common TTM $32,210,000
Diluted EPS TTM $0.26
Quarterly Earnings Growth YoY 70.90%

Balance Sheet

Total Cash MRQ $495,711,008
Total Cash per Share MRQ $5.10
Total Debt MRQ $
Total Debt to Equity MRQ 262.40
Current Ratio MRQ 22.27
Book Value per Share MRQ $7.65

Cash Flow

Operating Cash Flow TTM $-367,203,008
Levered Free Cash Flow TTM $-636,720,768

UPST Stock Info as of Jan. 3, 2026

Stock Statistics

Shares Outstanding 97,275,544
Float Shares 85,008,930
Avg 10 Volume 4,755,960
Avg 30 Volume None
Shares Short 22,975,403
Short Ratio 4.84
Short % of Shares 26.88%
% Held by Insiders 12.28%
% Held by Institutions 73.11%

Stock Price Summary

Beta 2.28
Fifty Two Week Low $31.40
Fifty Two Week High $96.43
Fifty Two Week Change -38.57%
Day 50 MA $44.74
Day 200 MA $54.98

Dividends and Splits

Forward Annual Dividend Rate $
Forward Annual Dividend Yield %
Trailing Annual Dividend Rate $0.00
Trailing Annual Dividend Yield 0.00%
Payout Ratio 0.00%
Dividend Date
Ex Dividend Date
Last Split Factor
Last Split Date