UPST — Upstart Holdings, Inc.
—
Nasdaq ·
Financials ·
Consumer Finance ·
CIK 1647639 ·
Last close
$29.10
Market Cap
$2.79B
52W High
$36.90
52W Low
$25.89
ADV30
4,183,049
Next earnings
2026-11-03
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | GrossProfit | OpIncome | NetIncome | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Jun 2026 | 364,708,000 | — | — | 16,539,000 | 3,171,273,000 | 457,739,000 | 2,373,785,000 |
| Mar 2026 | 308,214,000 | — | — | -6,646,000 | 2,961,681,000 | 474,554,000 | 2,228,515,000 |
| Dec 2025 | 276,218,000 | — | — | 18,636,000 | 2,974,805,000 | 657,445,000 | 2,175,990,000 |
| Sep 2025 | 277,105,000 | — | — | 31,805,000 | 2,904,848,000 | 494,887,000 | 2,161,130,000 |
Cashflow TTM (yfinance, fills SEC gap)
Operating CF
$-284,006,000
Investing CF
$106,190,000
Financing CF
$458,633,000
CapEx
$-21,124,000
Dividends Paid
—
Buybacks
$-100,057,000
EPS Diluted TTM
$0.49
As of
2026-08-09
Balance + Analyst (yfinance extras)
Retained Earnings
$-347,663,000
Inventory
—
Receivables
$290,334,000
ST Investments
—
EBIT TTM
—
Pretax Income TTM
$61,682,000
Interest Exp TTM
$59,645,000
Analysts
15
Yahoo Snapshot (yfinance, live)
Total Revenue
$1,285,890,048
EBITDA
$115,055,000
Free Cash Flow
$-132,382,752
Enterprise Value
$4,431,569,408
Total Cash
$457,843,008
Total Debt
$2,057,602,944
Shares Out
95,711,569
Trailing EPS
$0.51
Book Value
$8.20
ROE
7.9%
ROA
2.0%
Div Yield
—
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | OpIncome | NetIncome | Assets | Liabilities | Equity | OCF |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 1,023,985,000 | — | 53,601,000 | 2,974,805,000 | 2,175,990,000 | — | -147,725,000 |
| Dec 2024 | 628,834,000 | — | -128,581,000 | 2,366,958,000 | 1,733,740,000 | — | 186,331,000 |
| Dec 2023 | 508,119,000 | — | -240,132,000 | 2,017,100,000 | 1,381,795,000 | — | -111,712,000 |
| Dec 2022 | 837,760,000 | — | -108,665,000 | 1,936,054,000 | 1,263,619,000 | — | -657,860,000 |
TTM Snapshot
Revenues TTM
$682,380,000
NetIncome TTM
$-74,183,000
OpCashFlow TTM
$0
Assets (Latest)
$2,366,958,000
Forward EPS
$3.27
Max Pain — expiry 2026-08-21
max pain strike: $30.50 · spot: $30.97 · call oi: 18,042 · put oi: 13,245
Expected Move to 2026-08-21:
±$2.58
(8.31%) —
implied range
$28.39 –
$33.54
· ATM straddle on $31.00 strike
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| SII | SPROTT INC. | $3.03B | $117.74 | — |
| CLSK | CLEANSPARK, INC. | $3.13B | $12.18 | — |
| NNI | NELNET INC | $3.18B | $126.39 | — |
| AGM | FEDERAL AGRICULTURAL MORTGAGE CORP | $2.22B | $238.05 | — |
| FMCC | FEDERAL HOME LOAN MORTGAGE CORP | $3.54B | $5.45 | — |
News headlines (Yahoo Finance, 1h cache)
3 Reasons UPST Has Explosive Upside Potential
2026-08-13 14:53 · Yahoo
91% of Upstart's Loans Were Fully Automated Last Quarter. No Bank Can Underwrite That Cheaply.
2026-08-13 14:50 · Yahoo
Prediction: This Artificial Intelligence (AI) Stock Is Going to Double by 2027
2026-08-13 11:35 · Yahoo
The 5 Most Interesting Analyst Questions From Upstart’s Q2 Earnings Call
2026-08-12 19:57 · Yahoo
Upstart (UPST) Q2 2026 Earnings Call Transcript
2026-08-11 23:30 · Yahoo
1 Profitable Stock on Our Buy List and 2 We Find Risky
2026-08-10 11:17 · Yahoo
Why Upstart Stock Plunged 23% in July
2026-08-09 21:31 · Yahoo
Upstart (UPST) Stock Still Looks Pricey Following Its 82% Five Year Slump
2026-08-06 11:11 · Yahoo
Upstart Stock Rises as Loan Volume Outgrows Its Margins
2026-08-05 17:15 · Yahoo
Why Upstart Stock Was Climbing Today
2026-08-05 15:21 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.