Upstart Holdings Inc (UPST)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 27.40 $ — 6% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 8.5% failed
- More than 10% revenue growth is expected for the coming year 31.2% passed
- Share count grows by less than 3% a year 9.1% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 43.4% passed
- Gross margin at 40% or higher and without meaningful erosion 95.2% passed
- Goodwill from acquisitions does not grow faster than revenue 2.3% passed
- Net debt below twice EBITDA 15.1 x EBITDA failed
- Operating cash flow covers the profits of the last three years 242 m failed
- Return on capital at 15% or higher, or up versus two years ago 2.1% passed
- Insiders hold at least 10% or are net buyers 13.0% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 45.3% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 15
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.33 | 2.00 – 2.53 | 1,424 | 23.7% | 10 |
| 12/31/2027 | 3.37 | 2.40 – 4.19 | 1,863 | 44.3% | 10 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.30 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -0.03 | – | 226 | 52.00 | -1.20 | -111 | -114 |
| 2025: Q1 | -0.03 | – | 220 | 59.10 | -1.10 | -14 | -20 |
| 2025: Q2 | 0.05 | – | 265 | 90.60 | 2.10 | -120 | -125 |
| 2025: Q3 | 0.29 | – | 286 | 65.30 | 11.10 | -123 | -127 |
| 2025: Q4 | 0.17 | – | 304 | 34.40 | 6.10 | 109 | 105 |
| 2026: Q1 | -0.07 | – | 308 | 39.80 | -2.20 | -133 | -140 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2017 | 57 | -8 | -9 | -0.64 | 10 | – | – |
| 2018 | 99 | -8 | -11 | -0.79 | 50 | 91 | 646 |
| 2019 | 164 | -5 | -5 | -0.35 | 32 | -63 | 393 |
| 2020 | 233 | 12 | 6 | 0.21 | 16 | 300 | 477 |
| 2021 | 849 | 141 | 135 | 1.43 | 168 | 807 | 1,820 |
| 2022 | 842 | -114 | -109 | -1.31 | -658 | 672 | 1,936 |
| 2023 | 548 | -240 | -240 | -2.87 | -112 | 635 | 2,017 |
| 2024 | 677 | -128 | -129 | -1.44 | 186 | 633 | 2,367 |
| 2025 | 1,076 | 54 | 54 | 0.50 | -148 | 799 | 2,975 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Upstart Holdings, Inc. betreibt gemeinsam mit ihren Tochtergesellschaften eine cloudbasierte KI-Kreditplattform in den USA.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 1,405 |
| Headquarters | San Mateo, CA |
| Address | 2950 South Delaware Street, 94403 San Mateo, United States |
| Phone | 833 212 2461 |
| Website | upstart.com |
| IPO Date | 16. Dec 2020 |
| ISIN | US91680M1071 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David J. Girouard | Executive Chairman & Special Advisor | 1966 |
| Paul Gu | CEO & Director | 1991 |
| Scott Darling Esq. | Chief Legal Officer & Corporate Secretary | 1972 |
| Sanjay Datta CFA | President of Capital & Enterprise | – |
| Andrea Blankmeyer | Chief Financial Officer | – |
| Natalia Mirgorodskaya | Chief Accounting Officer | – |
| Grant Schneider | Chief Technology Officer | – |
| Sonya Banerjee | Head of Investor Relations | – |
| Annie Delgado | Chief Compliance Officer & Chief Risk Officer | – |
| Chantal Rapport | Chief Marketing Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.