NASDAQ · Financial Services · Credit Services
Upstart Holdings, Inc. (UPST)
As of Sep 25, 4:00 PM ET, Upstart (UPST) last traded at $23.81, down 3.37% on the day. Its TickerHum research score is 40/100 (average). It reported revenue of $1.25B for the twelve months ending 2026-06-30, up 46.3% year over year, with a 4.0% operating margin.
Ratings
- Valuation: 41/100 — Strongest input: price / sales (ttm) 1.9x. Weakest: free-cash-flow yield -12.5 %.
- Growth: 100/100 — Based on revenue growth (ttm, yoy) +46.3 %, diluted eps growth (ttm, yoy) +1140.0 %.
- Profitability: 35/100 — Strongest input: net margin 4.8 %. Weakest: operating margin 4.0 %.
- Financial health: not rated — Not enough data to rate financial health (missing: long-term debt / equity, current ratio, cash / long-term debt). Leverage ratios are less meaningful for banks and insurers.
- Momentum: 9/100 — Strongest input: 6-month return -6.0 %. Weakest: price vs 200-day average -27.6 %.
- Attention: 62/100 — Strongest input: headlines in the last 7 days 31. Weakest: volume vs 3-month average 1.1x.
- Risk: 13/100 — Strongest input: annualised volatility (1y) 65.9 %. Weakest: max drawdown (1y) -58.5 %.
- Data confidence: 85/100 — Strongest input: latest financial period age (days) 62 d. Weakest: quote age (hours) 45 h.
Reported fundamentals
| Metric | Value | Period |
|---|---|---|
| Revenue | $1.25B | TTM ending 2026-06-30 · 10-Q |
| Revenue growth | 46.3% | TTM ending 2026-06-30 · 10-Q |
| Net income | $60.33M | TTM ending 2026-06-30 · 10-Q |
| Diluted EPS | $0.52 | TTM ending 2026-06-30 · 10-Q |
| Operating margin | 4.0% | TTM ending 2026-06-30 · 10-Q |
| Net margin | 4.8% | TTM ending 2026-06-30 · 10-Q |
| Free cash flow | -$289.05M | TTM ending 2026-06-30 · 10-Q |
| Cash | $455.96M | as of 2026-06-30 · 10-Q |
Source: SEC EDGAR XBRL company facts (CIK 0001647639).
Compare Upstart with its closest competitors
- Upstart vs SoFi Technologies (UPST vs SOFI) — Same industry (Credit Services); market cap 9.2x; shares: consumer lending
- Upstart vs Synchrony Financial (UPST vs SYF) — Same industry (Credit Services); market cap 10x; shares: consumer lending
- Upstart vs Affirm (UPST vs AFRM) — Same industry (Credit Services); market cap unknown
- Upstart vs Capital One Financial (UPST vs COF) — Same industry (Credit Services); market cap 53x; shares: consumer lending
- Upstart vs PayPal (UPST vs PYPL) — Same industry (Credit Services); market cap 21x
Prices: Yahoo Finance (public) — Free public Yahoo Finance data. Prices may be delayed and are for information only.