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UPST · Upstart Holdings, Inc. · Metrics

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$25.71 -0.18 (-0.70%)
Russell 2000 member Rebalance outlook locked
Market Cap
$2.52B
Shares
97.31M

UPST metrics

76 of 115 screener metrics currently available.

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Market overview

2 metrics
Share price
$25.89
Market cap
$2.52B

Price action

20 metrics
Price change (1W)
-1.5%
Price change (30D)
-10.7%
Price change (3M)
-13.1%
Price change (6M)
-4.2%
Price change (YTD)
-38.3%
Price change (1Y)
-60.5%
Trailing year
Price change (5Y)
-90.2%
52-week high
$68.92
52-week low
$24.22
Change from 52-week high
-60.9%
Change from 52-week low
+11.4%
Annualized volatility
66.2%
Annualized volatility (3M)
52.7%
Beta
3.0
RSI (14D)
39.2
Price vs SMA 50
-10.5%
Price vs SMA 200
-20.6%
Avg volume (3M)
4.31M
Relative volume
1.3
Average dollar volume
$131.78M

Company

3 metrics
Sector
Financial Services
Industry
Credit Services
Shares outstanding
97.31M

Valuation

12 metrics
P / E (TTM)
51.9
Trailing earnings · reciprocal yield 1.9%
PEG ratio
0.2
EV / revenue
—
EV / EBITDA
—
EV / EBIT
—
P / sales
2.2×
reciprocal yield 45.7%
P / book
3.4
reciprocal yield 29.2%
FCF yield
-10.6%
TTM · current market cap
Buyback yield
—
P / FCF
—
P / operating cash flow
—
Earnings yield
2.2%

Historical valuation

8 metrics
P / E historical average (3Y)
—
P / E historical average (5Y)
50.3×
reciprocal yield 2.0%
EV / revenue historical average (3Y)
7.0×
reciprocal yield 14.4%
EV / revenue historical average (5Y)
6.0×
reciprocal yield 16.6%
EV / EBIT historical average (3Y)
157.2×
reciprocal yield 0.6%
EV / EBIT historical average (5Y)
129.8×
reciprocal yield 0.8%
EV / EBITDA historical average (3Y)
—
EV / EBITDA historical average (5Y)
65.2×
reciprocal yield 1.5%

Dividends & buybacks

7 metrics
Dividend yield
—
Trailing 12 months
Payout ratio
—
Shareholder yield
—
Dividend / share (TTM)
—
Dividend growth YoY
—
Dividend growth streak
—
Last ex-dividend
—

Earnings calendar

2 metrics
Next earnings
—
Last earnings
2026-08-04

Profitability

9 metrics
Gross margin
—
Operating margin
4.0%
Trailing 12 months
Net margin
4.8%
Gross profit (TTM)
—
Operating profit (TTM)
$49.71M
Net income (TTM)
$60.33M
Trailing 12 months
Diluted EPS (TTM)
$0.52
FCF margin
-23.2%
Effective tax rate
2.2%

Per share

11 metrics
Revenue per diluted share (TTM)
—
Gross profit per diluted share (TTM)
—
Operating profit per diluted share (TTM)
—
EBITDA per diluted share (TTM)
—
Net income per diluted share (TTM)
—
Operating cash flow per diluted share (TTM)
—
Free cash flow per diluted share (TTM)
—
Capital expenditures per diluted share (TTM)
—
R&D per diluted share (TTM)
—
Stock compensation per diluted share (TTM)
—
Book value per share
$8.15

Growth

11 metrics
Revenue growth YoY
+41.7%
Year over year
Net income growth YoY
+195.0%
Revenue (TTM)
$1.25B
Trailing 12 months
EPS growth YoY
+220.0%
Shares change YoY
+6.7%
Year over year · more shares
Revenue CAGR (3Y)
+7.4%
Revenue CAGR (5Y)
+34.9%
EPS CAGR (3Y)
—
EPS CAGR (5Y)
—
FCF CAGR (3Y)
—
FCF CAGR (5Y)
—

Quality

14 metrics
Return on equity
7.6%
Return on assets
1.9%
Debt / equity
—
Current ratio
—
EBITDA (TTM)
$75.28M
Free cash flow (TTM)
−$289.05M
Quick ratio
—
Interest coverage
1.2
Net debt / EBITDA
-6.1
Return on invested capital
—
Trailing 12 months
Net cash
$455.96M
Latest balance sheet
Cash & equivalents
$455.96M
Total assets
$3.17B
Total debt
—

Cash flow & spend

7 metrics
Operating cash flow (TTM)
−$284.01M
Capital expenditures (TTM)
$5.04M
R&D (TTM)
$304.91M
SG&A (TTM)
—
Stock compensation (TTM)
$145.88M
R&D / revenue
24.5%
Stock compensation / revenue
11.7%

Ownership (13F)

3 metrics
13F filers
373
13F filer change QoQ
+27
Institutional ownership
78.2%

Short interest

3 metrics
Short interest
25.5%
Latest settlement · 4.7 days to cover
Days to cover
4.7d
Short-squeeze score
64 / 100

Insider activity

2 metrics
Net insider buying (90D)
−$1.21M
Insider-sentiment score
27 / 100

Risk flags

1 metrics
Going concern
—
Key facts CIK 1647639 CUSIP 91680M107 13F (30d) 195 filings 194 filers Visit website Investor relations