Upstart Holdings, Inc.

NasdaqGS:UPST Stock Report

Market Cap: US$4.7b

Upstart Holdings Past Earnings Performance

Past criteria checks 0/6

Upstart Holdings's earnings have been declining at an average annual rate of -54.4%, while the Consumer Finance industry saw earnings growing at 6.3% annually. Revenues have been growing at an average rate of 11.2% per year.

Key information

-54.4%

Earnings growth rate

-53.5%

EPS growth rate

Consumer Finance Industry Growth7.2%
Revenue growth rate11.2%
Return on equity-20.3%
Net Margin-19.0%
Next Earnings Update06 May 2025

Recent past performance updates

Recent updates

Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties

Apr 30

Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)

Mar 28
author-image

Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding

Mar 20 Improvements in underwriting, automation, and personalization enhance loan approval rates, lower costs, and reduce default risks, positively impacting revenue and net margins.

Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 31% But Getting In Cheap Might Be Difficult Regardless

Mar 11
Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 31% But Getting In Cheap Might Be Difficult Regardless

Upstart: You Have Seen Nothing Yet

Feb 25

Upstart: Strong Buy Rating Ahead Of Projected $1 Billion Revenue In 2025

Feb 19

Analyst Forecasts For Upstart Holdings, Inc. (NASDAQ:UPST) Are Surging Higher

Feb 14
Analyst Forecasts For Upstart Holdings, Inc. (NASDAQ:UPST) Are Surging Higher

Upstart Holdings' Surge Offers A Prime Opportunity To Cash Out (Downgrade)

Feb 12

Upstart Holdings, Inc.'s (NASDAQ:UPST) Stock Retreats 26% But Revenues Haven't Escaped The Attention Of Investors

Jan 11
Upstart Holdings, Inc.'s (NASDAQ:UPST) Stock Retreats 26% But Revenues Haven't Escaped The Attention Of Investors

Upstart: Fade The Meme Rally

Jan 05

Upstart: Poised For Another Breakout

Dec 05

Rainbows and Unicorns: Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Became A Lot More Optimistic

Nov 12
Rainbows and Unicorns: Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Became A Lot More Optimistic

Upstart: This Is The Perfect Time To Sell (Rating Downgrade)

Nov 10

Upstart: Sell Strength (Rating Downgrade)

Oct 26

Upstart Holdings, Inc. - Start Of Profit Taking And A Pullback

Oct 17

Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce

Oct 11
Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce

Things Are Looking Up For Upstart As We Enter An Easing Cycle

Sep 24

Why I Sold Upstart (Ratings Downgrade)

Sep 12

Upstart Can Move Higher On Short Interest, Efficiency Gains

Aug 22

Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%

Aug 18
Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%

Upstart Q2 Earnings: A Lofty Price Of 50x EBITDA For This Fintech

Aug 07

Navigating Uncertainty: Understanding The Risks And Rewards Of Investing In Upstart Holdings

Jul 25

Upstart: Turning A Corner With Growth And Profitability To Return

Jul 12

Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit

Jun 13
Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit

Upstart: Buy Weakness (Rating Upgrade)

Jun 12

Upstart: A Great Anti-Cyclical AI Lending Bet

May 24

Upstart: The Bonds With The 13% YTM Remain The Best Play

May 08

Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)

Apr 23

Upstart Holdings: Lower Volumes Likely To Persist

Apr 05

Upstart Holdings: Still Too Risky

Mar 24

Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless

Mar 13
Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless

Upstart Holdings: A No-Brainer Buy Before The Fed Shift Kicks Off

Mar 12

Upstart: An Uphill Battle

Mar 05

Upstart: I Warned About Its Overhype In December - What's Next (Upgrade)

Feb 22

Upstart Q4: Struggles With Debt And Profitability Challenges (Downgrade)

Feb 14

Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Cut Their EPS Forecasts Substantially

Feb 14
Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Cut Their EPS Forecasts Substantially

Upstart: Red Flags Of The AI Model And The Company's Response

Feb 07

Revenue & Expenses Breakdown

How Upstart Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:UPST Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 24677-129398254
30 Sep 24605-168376244
30 Jun 24576-202360234
31 Mar 24577-175348233
31 Dec 23548-240340280
30 Sep 23546-253343287
30 Jun 23562-269360298
31 Mar 23652-271438297
31 Dec 22853-109531237
30 Sep 221,0076590220
30 Jun 221,07691614191
31 Mar 221,041158562165
31 Dec 21852135455134
30 Sep 2163476347102
30 Jun 214724925375
31 Mar 21297916751
31 Dec 20241014539
30 Sep 20221613932
31 Dec 19191012519
31 Dec 18126-12838
31 Dec 1767-8495

Quality Earnings: UPST is currently unprofitable.

Growing Profit Margin: UPST is currently unprofitable.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UPST is unprofitable, and losses have increased over the past 5 years at a rate of 54.4% per year.

Accelerating Growth: Unable to compare UPST's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: UPST is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (14.2%).

Return on Equity

High ROE: UPST has a negative Return on Equity (-20.31%), as it is currently unprofitable.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/30 21:24
End of Day Share Price 2025/04/30 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Upstart Holdings, Inc. is covered by 19 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ishan MajumdarBaptista Research
Ramsey El-AssalBarclays
Mihir BhatiaBofA Global Research