Upstart (UPST) Financials: Revenue & Earnings

UPST price $23.85 +0.14 +0.59%

Ticker
UPST
Price
$23.85
Change
+0.14 +0.59%
Market cap ?
$2.32B
P/E ?
37.01
Forward P/E ?
36.92
Dividend yield ?
0.00%
Beta ?
2.17
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
52
Value
49
Quality
41
Growth
65

Stocklytics score rationale: value 49, quality 41, growth 65.

Financials

201720182019202020212022202320242025
55640000955790001892670002300780008498870008532870005477190006769610001075521000

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…

Fair value

UPST fair value $40.20. Price $23.85. Price is 41% below fair value.

Below fair value, and cheaper than usual. A larger discount than on 83% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Compare UPST

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-11-03—0.21—365.18M
2026-08-040.160.18364.71M354.74M
2026-05-05-0.070.39308.21M301.30M
2026-02-100.460.47296.09M288.47M
2025-11-040.520.42285.90M288.58M
2025-08-050.360.27257.29M281.02M
2025-05-060.300.19220.39M201.26M
2025-02-110.26-0.04211.27M181.92M
2024-11-07-0.06-0.15162.14M149.32M
2024-08-06-0.17-0.39127.63M124.54M
2024-05-07-0.31-0.38127.79M124.87M
2024-02-13-0.11-0.15134.87M134.89M
2023-11-07-0.05-0.02134.56M140.27M
2023-08-080.06-0.06135.77M135.29M
2023-05-09-0.47-0.82102.93M108.96M
2023-02-14-0.25-0.48142.23M133.61M
2022-11-08-0.24-0.07157.23M169.44M
2022-08-080.01-0.05228.16M241.63M
2022-05-090.610.52310.14M300.13M
2022-02-150.890.51303.68M262.86M
2021-11-090.600.31228.45M214.44M
2021-08-100.620.25193.95M157.76M
2021-05-110.220.15121.34M102.16M
2021-03-170.070.0277.66M—
2020-12-16-0.42—17.34M—
2020-09-300.36—62.77M—
2020-03-310.10—64.28M—
2019-12-310.42—63.79M—
2019-09-30-0.02—49.49M—

Dividends

Yield 0.00%. Payout ratio 0.00%. Frequency —.

Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.

Ex-dateDividendRecordPaymentFrequency
No data yet.

Insider trades

DateInsiderActionSharesPriceValue
2026-09-10Gu PaulBuy50.00K$25.551.28M
2026-09-08Datta SanjayBuy300.00K$1.35405.00K
2026-09-08Datta SanjaySell116.00K$27.293.17M
2026-09-08Datta SanjaySell300.00K$1.35405.00K
2026-08-25Mirgorodskaya NataliaSell913$30.0327.42K
2026-08-20Datta SanjaySell8.95K$28.09251.30K
2026-08-20Darling ScottSell7.70K$28.09216.22K
2026-08-20Mirgorodskaya NataliaSell586$28.0916.46K
2026-08-19Datta SanjaySell10.00K$31.46314.63K
2026-08-19Blankmeyer AndreaSell3.00K$29.3387.99K
2026-08-17Datta SanjaySell2.03K$29.3659.68K
2026-08-17Darling ScottSell814$29.3623.90K
2026-08-17Blankmeyer AndreaSell7.17K$29.36210.65K
2026-06-09Datta SanjaySell15.00K$30.41456.12K
2026-05-29Wennes Timothy HBuy6.48K——
2026-05-29Terry Hilliard C. IIIBuy6.48K——
2026-05-29Hentges MaryBuy6.48K——
2026-05-29Bernard Peter JBuy6.48K——
2026-05-29Cooper Kerry WhortonBuy6.48K——
2026-05-29O'Kelly CiaranBuy6.48K——
2026-05-28Wennes Timothy HOther0——
2026-05-26Mirgorodskaya NataliaSell974$28.9928.24K
2026-05-20Darling ScottSell6.63K$28.78190.91K
2026-05-20Datta SanjaySell7.99K$28.77229.74K
2026-05-20Mirgorodskaya NataliaSell526$28.7715.13K
2026-05-15Mirgorodskaya NataliaBuy4.60K$1.356.21K
2026-05-15Mirgorodskaya NataliaSell4.60K$1.356.21K
2026-05-15Blankmeyer AndreaSell2.76K$28.9679.90K
2026-05-15Blankmeyer AndreaSell4.18K$30.05125.72K
2026-05-15Blankmeyer AndreaSell101$30.543.08K
2026-05-15Darling ScottSell286$28.848.25K
2026-05-15Darling ScottSell441$29.9913.23K
2026-05-15Datta SanjaySell806$28.9623.34K
2026-05-15Datta SanjaySell1.01K$30.0330.36K
2026-05-13Gu PaulBuy50.00K$27.501.38M
2026-05-07Girouard DaveBuy835.08K$0.83693.11K
2026-05-07Girouard DaveSell835.08K$0.83693.11K
2026-05-07Girouard DaveBuy300$29.768.93K
2026-05-07Girouard DaveBuy169.94K$29.374.99M
2026-03-31Blankmeyer AndreaBuy169.43K——
2026-03-31Blankmeyer AndreaBuy148.01K——
2026-03-16Blankmeyer AndreaOther0——
2026-03-02Mirgorodskaya NataliaSell390$26.0210.15K
2026-02-28Gu PaulBuy912.70K——
2026-02-28Darling ScottBuy24.67K——
2026-02-28Darling ScottBuy74.00K——
2026-02-28Datta SanjayBuy61.67K——
2026-02-28Datta SanjayBuy185.01K——
2026-02-28Mirgorodskaya NataliaBuy9.38K——
2026-02-28Mirgorodskaya NataliaBuy5.94K$27.23161.69K
2026-02-25Mirgorodskaya NataliaSell866$28.7924.93K
2026-02-20Datta SanjaySell7.98K$29.86238.38K
2026-02-20Mirgorodskaya NataliaSell633$29.9018.92K
2026-02-20Darling ScottSell6.48K$29.85193.39K
2026-02-20Darling ScottSell6.64K——
2026-02-20Darling ScottBuy6.64K——
2026-02-20Darling ScottSell390$30.2511.80K
2026-01-22Darling ScottSell7.56K$13.22100.00K
2026-01-22Darling ScottBuy7.56K$13.22100.00K
2026-01-12O'Kelly CiaranBuy1.17K——
2026-01-12Bernard Peter JBuy834——
2026-01-12Cooper Kerry WhortonBuy1.46K——
2026-01-05Darling ScottSell1.00K$13.2213.22K
2026-01-05Darling ScottBuy1.00K$13.2213.22K
2026-01-05Darling ScottSell1.00K——
2026-01-05Darling ScottBuy1.00K——
2026-01-05Darling ScottSell1.00K$50.0050.00K
2025-12-12Cooper Kerry WhortonSell1.50K$50.0075.00K
2025-12-12Darling ScottSell2.00K$13.2226.44K
2025-12-12Darling ScottBuy2.00K$13.2226.44K
2025-12-12Darling ScottSell2.00K——
2025-12-12Darling ScottBuy2.00K——
2025-12-12Darling ScottSell7.39K$50.00369.60K
2025-11-25Mirgorodskaya NataliaSell762$38.9129.65K
2025-11-20Mirgorodskaya NataliaBuy6.90K$35.58245.50K
2025-11-20Mirgorodskaya NataliaSell741$36.5827.11K
2025-11-20Mirgorodskaya NataliaSell80$36.952.96K
2025-11-20Mirgorodskaya NataliaSell6.90K$1.359.31K
2025-11-20Darling ScottSell7.32K$36.55267.67K
2025-11-20Darling ScottSell400$37.0214.81K
2025-11-20Darling ScottSell5.39K——
2025-11-20Darling ScottBuy5.39K——
2025-11-20Datta SanjaySell12.62K$36.54461.33K
2025-11-20Datta SanjaySell1.00K$36.9936.99K
2025-11-11Gu PaulBuy80.00K$39.233.14M
2025-11-11Gu PaulBuy20.00K$39.22784.40K
2025-10-24Darling ScottSell1.00K$13.2213.22K
2025-10-24Darling ScottBuy1.00K$13.2213.22K
2025-10-24Darling ScottSell1.00K$55.0155.01K
2025-10-01Darling ScottSell1.00K$13.2213.22K
2025-10-01Darling ScottBuy1.00K$13.2213.22K
2025-10-01Darling ScottSell1.00K$54.6454.64K
2025-09-17Darling ScottSell1.00K$13.2213.22K
2025-09-17Darling ScottBuy1.00K$13.2213.22K
2025-09-17Darling ScottSell1.00K$70.0170.01K
2025-09-15Girouard DaveSell41.67K$0.8334.58K
2025-09-15Girouard DaveBuy41.67K$0.8334.58K
2025-09-15Girouard DaveSell34.83K$64.842.26M
2025-09-15Girouard DaveSell6.84K$65.41447.56K
2025-09-03Darling ScottSell4.00K$13.2252.88K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 420, holders +29 vs prior quarter. Ownership 62.80%.

HolderSharesChangeChange %Value
BLACKROCK, INC.7.88M475.64K+6.42%279.14M
VANGUARD PORTFOLIO MANAGEMENT LLC3.74M-3.78K-0.10%132.50M
VANGUARD CAPITAL MANAGEMENT LLC3.70M-53.50K-1.43%131.04M
SUSQUEHANNA INTERNATIONAL GROUP, LLP3.06M2.73M+838.22%108.40M
SUSQUEHANNA INTERNATIONAL GROUP, LLP2.59M2.26M+694.07%91.75M
MORGAN STANLEY2.41M-1.56M-39.25%85.55M
GOLDMAN SACHS GROUP INC2.40M835.74K+53.59%84.86M
MARSHALL WACE, LLP2.37M-909.42K-27.73%83.99M
GEODE CAPITAL MANAGEMENT, LLC2.23M104.55K+4.92%78.97M
STATE STREET CORP2.12M65.38K+3.18%75.06M
CLEAR STREET GROUP INC.1.83M273.86K+17.61%64.80M
HALTER FERGUSON FINANCIAL INC.1.75M280.76K+19.13%61.94M
JANE STREET GROUP, LLC1.72M980.18K+132.31%60.98M
CITADEL ADVISORS LLC1.61M977.24K+154.83%56.99M
BANK OF AMERICA CORP /DE/1.51M1.01M+198.90%53.58M
UBS GROUP AG1.50M1.13M+300.92%53.27M
JANE STREET GROUP, LLC1.43M688.58K+92.95%50.64M
CITIGROUP INC1.14M329.34K+40.84%40.24M
BARCLAYS PLC1.13M948.98K+527.21%40.00M
BAILLIE GIFFORD & CO1.08M-25.14K-2.27%38.38M
DIMENSIONAL FUND ADVISORS LP1.06M36.99K+3.62%37.55M
CITADEL ADVISORS LLC955.59K324.42K+51.40%33.86M
SUSQUEHANNA INTERNATIONAL GROUP, LLP920.25K594.15K+182.19%32.60M
CITADEL ADVISORS LLC891.60K260.44K+41.26%31.59M
POINT72 ASSET MANAGEMENT, L.P.885.16K784.06K+775.53%31.36M

Earnings and financials

Upstart Holdings, Inc. (UPST) trades at $23.85, with a market cap of $2.32B and a trailing P/E of 37.01. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.

Financials

201720182019202020212022202320242025
55640000955790001892670002300780008498870008532870005477190006769610001075521000

Insights · Dividends · Forecast · Financials · Learn

Stocklytics home · Screener

Upstart (UPST) Financials: Revenue & Earnings

UPST$23.85+0.14 +0.59%

$2.32B

Market Cap

37.01

P/E

36.92

Forward P/E

52

Score

Price History