Upstart Holdings (UPSTD) Stock Overview
Operates a cloud-based artificial intelligence (AI) lending platform in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 5/6 |
| Past Performance | 2/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
UPSTD Community Fair Values
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Upstart Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$7.40 |
| 52 Week High | US$19.20 |
| 52 Week Low | US$6.75 |
| Beta | 2.27 |
| 1 Month Change | -25.48% |
| 3 Month Change | -41.27% |
| 1 Year Change | -48.25% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 76.40% |
Recent News & Updates
Recent updates
Shareholder Returns
| UPSTD | AR Consumer Finance | AR Market | |
|---|---|---|---|
| 7D | -6.4% | 0% | 0% |
| 1Y | -48.3% | 0% | 0% |
Return vs Industry: UPSTD underperformed the AR Consumer Finance industry which returned 53.6% over the past year.
Return vs Market: UPSTD underperformed the AR Market which returned 34.4% over the past year.
Price Volatility
| UPSTD volatility | |
|---|---|
| UPSTD Average Weekly Movement | 9.8% |
| Consumer Finance Industry Average Movement | 0% |
| Market Average Movement | 0% |
| 10% most volatile stocks in AR Market | 0% |
| 10% least volatile stocks in AR Market | 0% |
Stable Share Price: UPSTD has not had significant price volatility in the past 3 months compared to the AR market.
Volatility Over Time: UPSTD's weekly volatility (10%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 1,193 | Dave Girouard | www.upstart.com |
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 personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans.
Upstart Holdings, Inc. Fundamentals Summary
| UPSTD fundamental statistics | |
|---|---|
| Market cap | US$3.77b |
| Earnings (TTM) | US$32.21m |
| Revenue (TTM) | US$997.75m |
Is UPSTD overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UPSTD income statement (TTM) | |
|---|---|
| Revenue | US$997.75m |
| Cost of Revenue | US$177.14m |
| Gross Profit | US$820.61m |
| Other Expenses | US$788.40m |
| Earnings | US$32.21m |
Last Reported Earnings
Sep 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.33 |
| Gross Margin | 82.25% |
| Net Profit Margin | 3.23% |
| Debt/Equity Ratio | 256.9% |
How did UPSTD perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/17 12:34 |
| End of Day Share Price | 2025/11/17 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* 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 21 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ramsey El-Assal | Barclays |
| Mihir Bhatia | BofA Global Research |
| Harold Goetsch | B. Riley Securities, Inc. |