1UPST Stock Overview

Operates a cloud-based artificial intelligence (AI) lending platform in the United States. More details

1UPST fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	6/6
Past Performance	0/6
Financial Health	4/6
Dividends	0/6

Rewards

Earnings are forecast to grow 100.23% per year

Risk Analysis

Shares are highly illiquid

Significant insider selling over the past 3 months

Community vs My Fair Value

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Upstart Holdings, Inc. Competitors

Moltiply Group

BIT:MOL

€1.6b

Azimut Holding

BIT:AZM

€3.5b

Anima Holding

BIT:ANIM

€1.9b

Banca Generali

BIT:BGN

€6.1b

Price History & Performance

Summary of share price highs, lows and changes for Upstart Holdings
Historical stock prices
Current Share Price	US$44.47
52 Week High	US$0
52 Week Low	US$0
Beta	2.39
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	9.68%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	1UPST	IT Consumer Finance	IT Market
7D	9.7%	2.9%	2.5%
1Y	n/a	18.9%	12.1%

Return vs Industry: Insufficient data to determine how 1UPST performed against the Italian Consumer Finance industry.

Return vs Market: Insufficient data to determine how 1UPST performed against the Italian Market.

Price Volatility

Is 1UPST's price volatile compared to industry and market?
1UPST volatility
1UPST Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	5.9%
Market Average Movement	5.3%
10% most volatile stocks in IT Market	8.8%
10% least volatile stocks in IT Market	3.3%

Stable Share Price: 1UPST's share price has been volatile over the past 3 months compared to the Italian market.

Volatility Over Time: Insufficient data to determine 1UPST's volatility change 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

How do Upstart Holdings's earnings and revenue compare to its market cap?
1UPST fundamental statistics
Market cap	€4.21b
Earnings (TTM)	-€113.73m
Revenue (TTM)	€598.77m

7.0x

P/S Ratio

-37.0x

P/E Ratio

Is 1UPST overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
1UPST income statement (TTM)
Revenue	US$676.96m
Cost of Revenue	US$158.00m
Gross Profit	US$518.97m
Other Expenses	US$647.55m
Earnings	-US$128.58m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

May 06, 2025

Earnings per share (EPS)	-1.35
Gross Margin	76.66%
Net Profit Margin	-18.99%
Debt/Equity Ratio	235.2%

How did 1UPST perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/05 14:18
End of Day Share Price	2025/05/02 00:00
Earnings	2024/12/31
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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

Analyst	Institution
Ishan Majumdar	Baptista Research
Ramsey El-Assal	Barclays
Mihir Bhatia	BofA Global Research