UPST
Upstart Holdings, Inc.Price & Indicators
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Adjusted EBITDA non-GAAP | 40.5M | Q1 2026 | — |
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| Adjusted EBITDA Margin non-GAAP | 13% | Q1 2026 | — |
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| Contribution Margin non-GAAP | 50% | Q1 2026 | — |
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| Contribution Profit non-GAAP | 137M | Q1 2026 | — |
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| Transaction Volume, Total originations | 3.4B | Q1 2026 | — |
| additional originations at equivalent risk levels from new model | 3.5% | Q1 call | — |
| average return of last 12 quarterly vintages of loans over treasuries | 651 | trailing 12 quarters call | — |
| loans originated | 425K | Q1 call | — |
| model accuracy lead over benchmark | 1.4% | Q1 call | — |
| model advantage | 173.6% | Q1 call | — |
| new commitments from Altura, Centerbridge, and Wafra | 2B | Q1 year to date call | — |
| new committed capital from forward flow relationships year to date | 4B | Q1 year to date call | — |
| recent securitizations total | 1B | Q1 call | — |
| Conversion Rate | 19.4% | Fiscal Year 2025 | — |
| Transaction Volume | 1,497,149 | Fiscal Year 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
UPST
this stock
Upstart Holdings, Inc.
|
$3.04B | -27.5% | -39.0% | 77.5 | 27.0% |
|
V
Visa Inc.
|
$637.04B | +1.7% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$472.90B | -5.6% | +16.4% | 31.0 | 0.9% |
|
AXP
American Express Co
|
$244.57B | -3.8% | +13.4% | 22.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$129.99B | -15.0% | +36.6% | 53.3 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| UPST | -4.1% | +4.0% | -28.9% | -10.5% | -27.5% |
| SPY | +0.6% | +1.4% | +11.0% | +0.7% | +10.3% |
| vs SPY | -4.6% | +2.6% | -39.9% | -11.2% | -37.7% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.