UPST
$29.10
$-0.79 (-2.64%)-2.64%
ClosedLoading chart...
IndexN/A
Market Cap2.79B
Enterprise Value5.39B
Income$-0.00B
Sales$0.22B
EmployeesN/A
P/E27.16
P/S3.90
P/B5.26
P/C-25.28
EV/EBITDA68.12
EV/SalesN/A
EPS (ttm)1.07
EarningsN/A
Gross Margin95.21%
Oper. Margin5.05%
Profit Margin4.98%
Volume4.54M
Shs Outstand0.10B
Change-2.64%
Dividend Est.N/A
Dividend Ex-DateN/A
Perf YTDN/A
Perf YearN/A
Perf 3YN/A
Perf 5YN/A
Perf 10YN/A
IPON/A
| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $676.96M | $547.72M | $853.29M | $849.89M | $230.08M | $189.27M | $95.58M | $55.64M |
| Cost of Revenue | $48.13M | $39.60M | $15.53M | $3.27M | $8.03M | $26.48M | $0.00 | $0.00 |
| Gross Profit | $628.83M | $508.12M | $837.76M | $846.61M | $222.05M | $162.78M | $95.58M | $55.64M |
| Gross Margin | 92.89% | 92.77% | 98.18% | 99.61% | 96.51% | 86.01% | 100.00% | 100.00% |
| Operating Expenses | $757.23M | $748.14M | $946.83M | $712.88M | $216.10M | $167.73M | $103.55M | $63.18M |
| Operating Income | $-128.40M | $-240.03M | $-109.07M | $133.73M | $5.95M | $-4.95M | $-7.97M | $-7.54M |
| Operating Margin | -18.97% | -43.82% | -12.78% | 15.74% | 2.59% | -2.61% | -8.34% | -13.54% |
| Net Income | $-128.58M | $-240.13M | $-108.67M | $135.44M | $5.98M | $-466.00K | $-12.32M | $-7.72M |
| Net Margin | -18.99% | -43.84% | -12.73% | 15.94% | 2.60% | -0.25% | -12.89% | -13.87% |
| EPS (Basic) | $-1.44 | $-2.87 | $-1.31 | $1.73 | $0.27 | $-0.03 | $-0.87 | $-0.56 |
| EBITDA | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Stock Option Compensation Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price To Earnings Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price To Sales Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Shares Outstanding | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Market Capitalization | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Short Term Receivables | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventories | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Property, Plant & Equipment | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Investments and Advances | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Note Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Intangible Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Deferred Tax Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Assets | $2.37B | $2.02B | $1.94B | $1.82B | $477.25M | $393.46M | $645.91M | $0.00 |
| Short Term Debt Incl. Current Port. of LT Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Payable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax Payable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Provision for Risks Charges | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Deferred Tax Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.73B | $1.38B | $1.26B | $1.01B | $177.00M | $455.15M | $542.65M | $0.00 |
| Non-Equity Reserves | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Preferred Stock - Carrying Value | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Common Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Shareholders Equity | $633.22M | $635.30M | $672.43M | $807.08M | $300.25M | $-62.71M | $91.25M | $0.00 |
| Accumulated Minority Interest | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $633.22M | $635.30M | $672.43M | $807.08M | $300.25M | $-62.71M | $91.25M | $0.00 |
| Total Liabilities & Stockholders Equity | $2.37B | $2.02B | $1.94B | $1.82B | $477.25M | $393.46M | $645.91M | $0.00 |
| Book Value Per Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Tangible Book Value Per Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Full-Time Employees | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price to Book Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Invested Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Quick Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|
| Net Income | $-128.58M | $-240.13M | $-108.67M | $135.44M | $5.98M | $-466.00K | $-12.32M | $-7.72M |
| Depreciation | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Funds (Non Cash) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Funds from Operations | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Extraordinary Item | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Changes in Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Taxes Payable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash from Operating Activities | $186.33M | $-160.49M | $-674.68M | $168.35M | $15.70M | $31.58M | $50.34M | $10.36M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Assets From Acquisitions | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Sale of Fixed Assets and Businesses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Purchase or Sale of Investments | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Purchase of Investments | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Sale Or Maturity of Investments | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Uses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Sources | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash from Investing Activities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Change in Capital Stock | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Repurchase of Common Pref Stock | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Sale of Common Pref Stock | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Proceeds from Stock Options | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Issuance or Reduction of Debt, Net | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Change in Long Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Issuance of Long Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Reduction of Long Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Financing Active Other Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Other Financing Activities Uses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash from Financing Activities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Exchange Rate Effect | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Change in Cash | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Preferred Dividends (Cash Flow) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price to Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Company coverage
Latest news
Why Upstart Stock Plunged 23% in JulyThe Motley Fool 5 Stocks To 5X Your Money in 5 YearsThe Motley Fool Upstart Stock Analysis: Buy or Sell This AI Stock?The Motley Fool Upstart's AI Lending Model Faces Its Toughest Test if Rates Stay HighThe Motley Fool OneMain vs. Upstart: Which Consumer Loan Stock Is a Better Buy in 2026?The Motley Fool Dan Loeb Calls Selling Palantir In The $20s A 'Huge Mistake:' 'I Missed A 10X'Benzinga UPST IMPORTANT DEADLINE: ROSEN, SKILLED INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPSTGlobeNewswire Inc. ROSEN, A LEADING LAW FIRM, Encourages Veritone, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action - VERIGlobeNewswire Inc.
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UPST DEADLINE: ROSEN, A TOP RANKED LAW FIRM, Encourages Upstart Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPSTGlobeNewswire Inc. MEDPACE DEADLINE: ROSEN, TRUSTED INVESTOR COUNSEL, Encourages Medpace Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action - MEDPGlobeNewswire Inc. Upstart's Biggest Risk Isn't Its AI Models. It's Who Funds the Loans.The Motley Fool Bronstein, Gewirtz & Grossman LLC Urges Upstart Holdings, Inc. Investors to Act: Class Action Filed Alleging Investor HarmGlobeNewswire Inc. Pomerantz Law Firm Announces the Filing of a Class Action Against Upstart Holdings, Inc. and Certain Officers – UPSTGlobeNewswire Inc. UPST Investor Alert: Upstart Holdings Securities Fraud Lawsuit - Investors With Losses May Seek to Lead the Class Action After Executives Allegedly Inflated AI Projections: Levi & KorsinskyGlobeNewswire Inc. GOSS DEADLINE NOTICE: ROSEN, RECOGNIZED INVESTOR COUNSEL, Encourages Gossamer Bio, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 1 Deadline in Securities Class Action – GOSSGlobeNewswire Inc. UPST DEADLINE NOTICE: ROSEN, LEADING TRIAL ATTORNEYS, Encourages Upstart Holdings, Inc. Investors with Losses in Excess of $100K to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPSTGlobeNewswire Inc. UPST DEADLINE: The Gross Law Firm Reminds Upstart, Inc. Investors of Upcoming Securities Class Action DeadlineGlobeNewswire Inc. Upstart vs. Pagaya Technologies: Which Financial Stock Is a Better Buy in 2026?The Motley Fool Upstart's Auto Loan Push Is the 1 Story That Could Change the AI Lending ThesisThe Motley Fool ROSEN, A TOP RANKED LAW FIRM, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important June 8 Deadline in Securities Class Action – UPSTGlobeNewswire Inc.
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About the company
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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