upstart holdings inc. - UPST
UPST
Close Chg Chg %
39.75 2.18 5.48%
Closed Market
41.93
+2.18 (5.48%)
Volume: 5.25M
Last Updated:
Apr 22, 2025, 4:00 PM EDT
Company Overview: upstart holdings inc. - UPST
UPST Key Data
| Open $40.20 | Day Range 40.20 - 43.19 |
| 52 Week Range 20.60 - 96.43 | Market Cap $3.78B |
| Shares Outstanding 95.07M | Public Float 82.46M |
| Beta 2.39 | Rev. Per Employee N/A |
| P/E Ratio N/A | EPS -$1.46 |
| Yield 0.00% | Dividend N/A |
| EX-DIVIDEND DATE | SHORT INTEREST N/A |
| AVERAGE VOLUME 6.24M |
UPST Performance
| 1 Week | -2.86% | ||
| 1 Month | -23.50% | ||
| 3 Months | -41.06% | ||
| 1 Year | 81.76% | ||
| 5 Years | N/A |
UPST Analyst Ratings
- Sell
- Under
- Hold
- Over
- Buy
Number of Ratings
17
Full Ratings ➔
About upstart holdings inc. - UPST
Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.
UPST At a Glance
Upstart Holdings, Inc.
2950 South Delaware Street
San Mateo, California 94403
| Phone | 1-833-212-2461 | Revenue | 636.53M | |
| Industry | Internet Software/Services | Net Income | -128,581,000.00 | |
| Sector | Technology Services | 2024 Sales Growth | 23.944% | |
| Fiscal Year-end | 12 / 2025 | Employees | 1,193 | |
| View SEC Filings |
UPST Valuation
| P/E Current | N/A |
| P/E Ratio (with extraordinary items) | N/A |
| P/E Ratio (without extraordinary items) | N/A |
| Price to Sales Ratio | 8.652 |
| Price to Book Ratio | 9.088 |
| Price to Cash Flow Ratio | 29.557 |
| Enterprise Value to EBITDA | -39.86 |
| Enterprise Value to Sales | 9.538 |
| Total Debt to Enterprise Value | 0.254 |
UPST Efficiency
| Revenue/Employee | 533,552.389 |
| Income Per Employee | -107,779.547 |
| Receivables Turnover | N/A |
| Total Asset Turnover | 0.29 |
UPST Liquidity
| Current Ratio | 5.131 |
| Quick Ratio | 5.131 |
| Cash Ratio | 5.131 |
UPST Profitability
| Gross Margin | 96.772 |
| Operating Margin | -27.156 |
| Pretax Margin | -20.171 |
| Net Margin | -20.20 |
| Return on Assets | -5.866 |
| Return on Equity | -20.273 |
| Return on Total Capital | -5.917 |
| Return on Invested Capital | -6.394 |
UPST Capital Structure
| Total Debt to Total Equity | 243.165 |
| Total Debt to Total Capital | 70.86 |
| Total Debt to Total Assets | 65.053 |
| Long-Term Debt to Equity | 240.733 |
| Long-Term Debt to Total Capital | 70.151 |
- Income Statement
- Balance Sheet
- Cash Flow Statement
Annual Financials for Upstart Holdings Inc. - UPST
Collapse All in section
| All values USD millions. | 2021 | 2022 | 2023 | 2024 | 5-year trend |
|---|---|---|---|---|---|
Sales/Revenue
| 848.59M | 842.44M | 513.56M | 636.53M | |
Sales Growth
| +263.55% | -0.72% | -39.04% | +23.94% | |
Cost of Goods Sold (COGS) incl D&A
| - | 13.51M | 24.90M | 20.55M | |
COGS excluding D&A
| - | - | - | - | - |
Depreciation & Amortization Expense
| 7.54M | 13.51M | 24.90M | 20.55M | |
Depreciation
| - | - | 20.60M | 20.55M | - |
Amortization of Intangibles
| - | - | - | 4.30M | - |
COGS Growth
| - | - | +84.29% | -17.48% | - |
Gross Income
| - | 828.93M | 488.66M | 615.98M | |
Gross Income Growth
| - | - | -41.05% | +26.05% | - |
Gross Profit Margin
| - | +98.40% | +95.15% | +96.77% |
| 2021 | 2022 | 2023 | 2024 | 5-year trend | |
|---|---|---|---|---|---|
SG&A Expense
| 700.17M | 942.79M | 745.18M | 788.84M | |
Research & Development
| 134.00M | 237.25M | 280.14M | 253.65M | |
Other SG&A
| 566.17M | 705.55M | 465.05M | 535.18M | |
SGA Growth
| +219.17% | +34.65% | -20.96% | +5.86% | |
Other Operating Expense
| - | - | - | - | - |
Unusual Expense
| 1.98M | 4.68M | 4.71M | (25.67M) | |
EBIT after Unusual Expense
| 138.91M | (118.55M) | (261.23M) | (147.19M) | |
Non Operating Income/Expense
| (5.17M) | 9.47M | 21.21M | 18.79M | |
Non-Operating Interest Income
| - | - | - | - | - |
Equity in Earnings of Affiliates
| - | - | - | - | - |
Interest Expense
| - | - | - | - | - |
Interest Expense Growth
| - | - | - | - | - |
Gross Interest Expense
| - | - | - | - | - |
Interest Capitalized
| - | - | - | - | - |
Pretax Income
| 133.73M | (109.07M) | (240.03M) | (128.40M) | |
Pretax Income Growth
| +2,147.58% | -181.56% | -120.06% | +46.51% | |
Pretax Margin
| +15.76% | -12.95% | -46.74% | -20.17% | |
Income Tax
| (1.71M) | (409.00K) | 107.00K | 185.00K | |
Income Tax - Current - Domestic
| - | 174.00K | 107.00K | 185.00K | |
Income Tax - Current - Foreign
| - | - | - | - | - |
Income Tax - Deferred - Domestic
| - | - | - | (583.00K) | - |
Income Tax - Deferred - Foreign
| - | - | - | - | - |
Income Tax Credits
| - | - | - | - | - |
Equity in Earnings of Affiliates
| - | - | - | - | - |
Other After Tax Income (Expense)
| - | - | - | - | - |
Consolidated Net Income
| 135.44M | (108.67M) | (240.13M) | (128.58M) | |
Minority Interest Expense
| - | - | - | - | - |
Net Income
| 135.44M | (108.67M) | (240.13M) | (128.58M) | |
Net Income Growth
| +2,163.80% | -180.23% | -120.98% | +46.45% | |
Net Margin Growth
| +15.96% | -12.90% | -46.76% | -20.20% | |
Extraordinaries & Discontinued Operations
| - | - | - | - | - |
Discontinued Operations
| - | - | - | - | - |
Net Income After Extraordinaries
| 135.44M | (108.67M) | (240.13M) | (128.58M) | |
Preferred Dividends
| - | - | - | - | - |
Net Income Available to Common
| 135.44M | (108.67M) | (240.13M) | (128.58M) | |
EPS (Basic)
| 1.7341 | -1.3128 | -2.8667 | -1.4375 | |
EPS (Basic) Growth
| +2,025.12% | -175.70% | -118.37% | +49.86% | |
Basic Shares Outstanding
| 78.11M | 82.77M | 83.77M | 89.45M | |
EPS (Diluted)
| 1.4291 | -1.3128 | -2.8667 | -1.4375 | |
EPS (Diluted) Growth
| +1,651.35% | -191.86% | -118.37% | +49.86% | |
Diluted Shares Outstanding
| 94.77M | 82.77M | 83.77M | 89.45M | |
EBITDA
| 148.42M | (100.35M) | (231.62M) | (152.31M) | |
EBITDA Growth
| +956.91% | -167.61% | -130.81% | +34.24% | |
EBITDA Margin
| +17.49% | -11.91% | -45.10% | -23.93% |
Snapshot
| Average Recommendation | HOLD | Average Target Price | 77.077 | |
| Number of Ratings | 17 | Current Quarters Estimate | 0.254 | |
| FY Report Date | 06 / 2025 | Current Year's Estimate | 1.384 | |
| Last Quarter’s Earnings | 0.17 | Median PE on CY Estimate | N/A | |
| Year Ago Earnings | -0.20 | Next Fiscal Year Estimate | 2.204 | |
| Median PE on Next FY Estimate | N/A |
Earnings Per Share
| This Quarter | Next Quarter | This Fiscal | Next Fiscal | |
|---|---|---|---|---|
| # of Estimates | 12 | 12 | 15 | 15 |
| Mean Estimate | 0.25 | 0.43 | 1.38 | 2.20 |
| High Estimates | 0.36 | 0.54 | 1.51 | 3.51 |
| Low Estimate | 0.04 | 0.32 | 1.14 | 1.39 |
| Coefficient of Variance | 36.40 | 15.62 | 7.83 | 24.35 |
Analysts Recommendations
| Current | 1 Month Ago | 3 Months Ago | |
|---|---|---|---|
| BUY | 6 | 6 | 6 |
| OVERWEIGHT | 0 | 0 | 0 |
| HOLD | 6 | 6 | 6 |
| UNDERWEIGHT | 2 | 2 | 1 |
| SELL | 3 | 3 | 5 |
| MEAN | Hold | Hold | Hold |
SEC Filings for Upstart Holdings Inc. - UPST
| Filing Date | Type | Category | Amended |
|---|---|---|---|
| No results | |||
Insider Actions for Upstart Holdings Inc. - UPST
| Date | Name | Shares | Transaction | Value |
|---|---|---|---|---|
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 111,437 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 298,601 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 106,593 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 285,332 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 1,072,156 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $25.75 per share | 27,608,017.00 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 1,067,312 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $15.23 per share | 16,255,161.76 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 1,054,043 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $25.75 per share | 27,141,607.25 |
| Mar 11, 2025 | Paul Gu Chief Technology Offier; Director | 1,049,199 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $15.23 per share | 15,979,300.77 |
| Mar 6, 2025 | Kerry Whorton Cooper Director | 18,156 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $68.09 per share | 1,236,242.04 |
| Feb 28, 2025 | Natalia Mirgorodskaya See Remarks | 19,757 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $69 per share | 1,363,233.00 |
| Feb 24, 2025 | Peter J. Bernard Director | 2,983 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Feb 21, 2025 | David Joseph Girouard Chief Executive Officer; Director | 1,043,410 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Feb 21, 2025 | David Joseph Girouard Chief Executive Officer; Director | 57,138 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $85.4 per share | 4,879,585.20 |
| Feb 21, 2025 | David Joseph Girouard Chief Executive Officer; Director | 65,898 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $84.73 per share | 5,583,537.54 |
| Feb 21, 2025 | David Joseph Girouard Chief Executive Officer; Director | 88,292 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $83.84 per share | 7,402,401.28 |
| Feb 21, 2025 | David Joseph Girouard Chief Executive Officer; Director | 98,805 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $0.83 per share | 82,008.15 |
| Oct 10, 2024 | Sanjay Datta Chief Financial Officer | 338,593 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $41.29 per share | 13,980,504.97 |
| Oct 4, 2024 | Scott L. Darling Chief Legal Officer | 167,243 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $13.22 per share | 2,210,952.46 |
| Oct 4, 2024 | Scott L. Darling Chief Legal Officer | 164,943 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $39.01 per share | 6,434,426.43 |
| Oct 4, 2024 | Scott L. Darling Chief Legal Officer | 161,043 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $40.06 per share | 6,451,382.58 |