Upstart Holdings Inc

Credit Services
Financial Services

Prices are adjusted according to historical splits.

Upstart Holdings Inc Stock Price


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Company Statistics

Market Cap.:
$2.70 billion
Book Value:
Revenue TTM:
$561.82 million
Operating Margin TTM:
Gross Profit TTM:
$665.29 million
Profit Margin:
Return on Assets TTM:
Return on Equity TTM:

Company Profile

Upstart Holdings Inc had its IPO on 2020-12-16 under the ticker symbol UPST.

The company operates in the Financial Services sector and Credit Services industry. Upstart Holdings Inc has a staff strength of 1,875 employees.

Stock update

Shares of Upstart Holdings Inc opened at $29.55 at the start of the last trading session i.e. 2023-09-12.

The stocks traded within a range of $29.38 - $32.13, and closed at $31.34.

This is a +3.91% increase from the previous day's closing price.

A total volume of 6,781,416 shares were traded at the close of the day’s session.

In the last one week, shares of Upstart Holdings Inc have slipped by -4.89%.

Upstart Holdings Inc's Key Ratios

Upstart Holdings Inc has a market cap of $2.70 billion, indicating a price to book ratio of 1.9462 and a price to sales ratio of 1.2893.

In the last 12-months Upstart Holdings Inc’s revenue was $561.82 million with a gross profit of $665.29 million and an EBITDA of $-229003008. The EBITDA ratio measures Upstart Holdings Inc's overall financial performance and is widely used to measure its profitability.

In the trailing 12-month period, Upstart Holdings Inc’s operating margin was -44.01% while its return on assets stood at -8.4% with a return of equity of -38.55%.

In Q2, Upstart Holdings Inc’s quarterly earnings growth was a positive 209.1% while revenue growth was a negative 39.2%.

Upstart Holdings Inc’s PE and PEG Ratio

Forward PE
Trailing PE

Its diluted EPS in the last 12-months stands at $-3.21 per share while it has a forward price to earnings multiple of 10.5597 and a PEG multiple of . A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.

The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into Upstart Holdings Inc’s profitability.

Upstart Holdings Inc stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 1.2893.

Upstart Holdings Inc stock pays annual dividends of $0 per share, indicating a yield of 0% and a payout ratio of 0%.

Balance sheet and cash flow metrics

Total Assets
$1.76 billion
Total Liabilities
$6.94 million
Operating Cash Flow
Capital Expenditure
$2.02 million
Dividend Payout Ratio

Upstart Holdings Inc ended 2023 with $1.76 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $1.76 billion while shareholder equity stood at $638.15 million.

Upstart Holdings Inc ended 2023 with $0 in deferred long-term liabilities, $6.94 million in other current liabilities, 8000.00 in common stock, $-199863000.00 in retained earnings and $67.06 million in goodwill. Its cash balance stood at $443.67 million and cash and short-term investments were $443.67 million. The company’s total short-term debt was $279,178,000 while long-term debt stood at $930.65 million.

Upstart Holdings Inc’s total current assets stands at $443.67 million while long-term investments were $41.25 million and short-term investments were $41.25 million. Its net receivables were $49.96 million compared to accounts payable of $6.94 million and inventory worth $0.

In 2023, Upstart Holdings Inc's operating cash flow was $-38494000.00 while its capital expenditure stood at $2.02 million.

Comparatively, Upstart Holdings Inc paid $0 in dividends in 2023.

Other key metrics

Current Trading Price
52-Week High
52-Week Low
Analyst Target Price

Upstart Holdings Inc stock is currently trading at $31.34 per share. It touched a 52-week high of $72.58 and a 52-week low of $72.58. Analysts tracking the stock have a 12-month average target price of $24.93.

Its 50-day moving average was $43.33 and 200-day moving average was $25.28 The short ratio stood at 1.56 indicating a short percent outstanding of 0%.

Around 1605.7% of the company’s stock are held by insiders while 3684.3% are held by institutions.

Frequently Asked Questions About Upstart Holdings Inc

The stock symbol (also called stock or share ticker) of Upstart Holdings Inc is UPST

The IPO of Upstart Holdings Inc took place on 2020-12-16

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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 and credit union partners. The company was founded in 2012 and is headquartered in San Mateo, California.


2950 South Delaware Street, San Mateo, CA, United States, 94403