Upstart Holdings, Inc. (UPST)
Listed on NASDAQ Global Select • Financial Services / Financial - Credit Services
Overview
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
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Key Information
Symbol:
UPST
CEO:
David J. Girouard
Exchange:
NASDAQ Global Select
CIK:
0001647639
Website:
https://www.upstart.com
SEC Filings:
View SEC →
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Price
41.75
Change
-4.49
Change %
-9.71%
Open
39.38
Previous Close
46.24
High
42.29
Low
39.16
Volume
21,919,920
Market Cap
4,017,090,816
EV/EBITDA
0
Capital Structure (Updated: Nov 05 04:00 PM EST)
Shares Outstanding
96,217,742
FloatShares
84,107,777
Float Ratio
87.41%
Shares Short
28,675,988
Short Percent Of Float
The percent of float shares currently sold short. Reflects market sentiment and risk of a short squeeze.
33.98%
Short Ratio
Days needed to cover all short positions. Indicates short-selling pressure.
3.67 trading days
Held Percent Insiders
12.42%
Held Percent Institutions
72.19%
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date | 2025-11-04 |
| Earnings Call | 2025-11-04 |
| Avg EPS Estimate | 0.4661 |
| Low EPS Estimate | 0.41 |
| High EPS Estimate | 0.54 |
| Revenue | |
| Avg Revenue Forecast | 288,838,290 |
| Low Revenue Forecast | 287,623,000 |
| High Revenue Forecast | 292,423,000 |
UPST Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $400,556,000 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 3.784 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 15.74 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $1,537,464,064 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
UPST Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $5,517,000 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $-65,234,000 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $-223,471,008 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 81.17% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 4.65% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | -0.72% | Net profit margin, which reflects overall profitability. |
UPST Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 212.94% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $1,537,464,064 | Used together with cash and EBITDA to assess debt-paying ability. |
UPST Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 90.60% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | 0.00% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for UPST (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $41.75 | Latest stock trading price |
| Price Target (High) | $105 | Analyst highest expected price |
| Price Target (Low) | $20 | Analyst lowest expected price |
| Price Target (Average) | $67.62 | Average target price across analysts |
| Price Target (Median) | $70 | Median of target prices |
| Average Rating Score | 2.53 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | hold | Consensus rating |
| Analyst Coverage Count | 13 | Number of analysts providing estimates |
| Cash Holdings | $400,556,000 | Total cash held by the company |
| Cash per Share | $4.16 | Cash value per outstanding share |
| Total Debt | $1,537,464,064 | Company's total debt |
| Quick Ratio | 3.784 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 15.74 | Overall short-term liquidity |
| Debt/Equity Ratio | 212.94% | Leverage ratio: Debt / Equity |
| EBITDA | $5,517,000 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $884,806,976 | Total company revenue |
| Revenue per Share | $9.51 | Total revenue divided by shares outstanding |
| Gross Profit | 81.17% | Revenue minus cost of goods sold |
| Return on Assets | -0.49% | Net income / Total assets |
| Return on Equity | -0.96% | Net income / Shareholder equity |
| Earnings Growth (YoY) | 0.00% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 90.60% | Year-over-year revenue growth |
| Gross Margin | 81.17% | Gross profit / Total revenue |
| EBITDA Margin | 0.62% | EBITDA / Revenue |
| Operating Margin | 4.65% | Operating income / Revenue |
| Profit Margin | -0.72% | Net income / Revenue |
| Free Cash Flow | $-223,471,008 | Cash left after capital expenditures |
| Operating Cash Flow | $-65,234,000 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |