UPSTART HOLDINGS INC
UPSTNASDAQ$24.14▲ $0.43 (+1.81%)
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24h▲ 1.8%
7d▲ 1.2%
14d▼ 2.4%
30d▲ 4.3%
ytd▼ 44.8%
1y▼ 50.4%
🏦Market Cap
$2.35B
Small Cap
📈Revenue Growth (YoY)
46.3%
High Growth
📊Gross Margin
82.5%
High
💵FCF Margin
8.4%
Moderate
⚖️P/S Ratio
1.9x
Cheap
Otter Score
72
Strong
Trading Snapshot
- Day Range
- $23.61 – $24.17
- 52-Week Range
- $22.21 – $54.50
- Volume (shares)
- 236,470
- Avg Volume (shares)
- —
- Shares Outstanding
- 97.3M
- Next Earnings
- 2026-11-03
Fundamentals Snapshot
- Annual Revenue
- $1.08B
- Last Q Revenue
- $377M
- P/E Ratio
- 38.7
- P/S Ratio
- 1.9x
- EPS (TTM)
- $0.54
- Dividend Yield
- —
- Dilution (1yr)
- +21.8%
UPSTART HOLDINGS INC
UPSTFinancial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.1B▲ +58.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
95.2%▲ +2.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$54M▼ −142.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
−$166M▼ −194.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
112.2M▲ +21.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$1.2B▼ −$534M YoY
StockOtter · stockotter.spaceAbout UPSTART HOLDINGS INC
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 unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
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Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Strong
72/100
Analyst Ratings
ⓘConsensus
Buy
22 analysts
Strong Buy4
Buy9
Hold8
Sell1
Strong Sell0
Ratings as of Oct 2026
Latest News & Updates
News unavailable.