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UPST · Upstart Holdings, Inc. · Metrics

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$21.37 +0.06 (+0.28%) At close · Nov 3 Play latest call Q3 2026 earnings call transcript
Russell 2000 member Rebalance outlook locked
Market Cap
$2.06B
Shares
98.91M
Volume · Nov 3 9.37M Avg daily vol (3M) 4.52M

UPST metrics

91 of 122 screener metrics currently available.

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Market overview

2 metrics
Share price
$21.37
Market cap
$2.06B

Price action

20 metrics
Price change (1W)
-7.3%
Price change (30D)
-12.5%
Price change (3M)
-27.6%
Price change (6M)
-33.6%
Price change (YTD)
-51.3%
Price change (1Y)
-55.2%
Trailing year
Price change (5Y)
-93.8%
52-week high
$50.70
52-week low
$21.31
Change from 52-week high
-58.0%
Change from 52-week low
+0.0%
Annualized volatility
64.7%
Annualized volatility (3M)
52.4%
Beta
2.9
RSI (14D)
35.8
Price vs SMA 50
-15.3%
Price vs SMA 200
-28.4%
Avg volume (3M)
4.45M
Relative volume
2.8
Average dollar volume
$117.16M

Company

3 metrics
Sector
Financial Services
Industry
Credit Services
Shares outstanding
98.91M

Valuation

12 metrics
P / E (TTM)
34.4
Trailing earnings · reciprocal yield 2.9%
PEG ratio
0.8
EV / revenue
2.7×
reciprocal yield 36.5%
EV / EBITDA
41.9×
reciprocal yield 2.4%
EV / EBIT
59.2×
reciprocal yield 1.7%
P / sales
1.6×
reciprocal yield 63.6%
P / book
2.4
reciprocal yield 42.2%
FCF yield
-8.9%
TTM · current market cap
Buyback yield
—
P / FCF
—
P / operating cash flow
—
Earnings yield
3.1%

Historical valuation

8 metrics
P / E historical average (3Y)
—
P / E historical average (5Y)
47.3×
reciprocal yield 2.1%
EV / revenue historical average (3Y)
6.7×
reciprocal yield 14.9%
EV / revenue historical average (5Y)
5.9×
reciprocal yield 17.0%
EV / EBIT historical average (3Y)
137.5×
reciprocal yield 0.7%
EV / EBIT historical average (5Y)
121.9×
reciprocal yield 0.8%
EV / EBITDA historical average (3Y)
77.5×
reciprocal yield 1.3%
EV / EBITDA historical average (5Y)
61.8×
reciprocal yield 1.6%

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
2026-11-03
Last earnings
2026-08-04

Profitability

9 metrics
Gross margin
—
Operating margin
4.6%
Trailing 12 months
Net margin
4.9%
Gross profit (TTM)
—
Operating profit (TTM)
$62.04M
Net income (TTM)
$65.11M
Trailing 12 months
Diluted EPS (TTM)
$0.62
FCF margin
-14.0%
Effective tax rate
2.8%

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
$8.97

Growth

11 metrics
Revenue growth YoY
+33.7%
Year over year
Net income growth YoY
+15.0%
Revenue (TTM)
$1.34B
Trailing 12 months
EPS growth YoY
+43.5%
Shares change YoY
+14.3%
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
7.3%
Return on assets
1.9%
Debt / equity
2.3
Current ratio
—
EBITDA (TTM)
$87.60M
Free cash flow (TTM)
−$186.96M
Quick ratio
—
Interest coverage
1.4
Net debt / EBITDA
17.9
Return on invested capital
2.5%
Trailing 12 months
Net cash
−$1.57B
Latest balance sheet
Cash & equivalents
$461.48M
Total assets
$3.34B
Total debt
$2.03B

Cash flow & spend

7 metrics
Operating cash flow (TTM)
−$181.13M
Capital expenditures (TTM)
$5.83M
R&D (TTM)
$333.54M
SG&A (TTM)
—
Stock compensation (TTM)
$151.69M
R&D / revenue
24.9%
Stock compensation / revenue
11.3%

Ownership (13F)

9 metrics
13F filers
378
13F filer change QoQ
+32
Institutional ownership
76.9%
Conviction holders (share of 13F filers)
0.8%
Crowding (high-turnover and private-fund holders)
17.5%
Private-fund adviser ownership
14.1%
Active holders' share change QoQ
+5.5%
Holder tenure
11.4
Price vs estimated holder cost
-24.1%

Ownership (registered funds)

1 metrics
Index-fund ownership
14.7%

Short interest

3 metrics
Short interest
27.2%
Latest settlement · 6.4 days to cover
Days to cover
6.4d
Short-squeeze score
79 / 100

Insider activity

2 metrics
Net insider buying (90D)
−$3.10M
Insider-sentiment score
19 / 100

Risk flags

1 metrics
Going concern
—
Key facts CIK 1647639 CUSIP 91680M107 13F (30d) 124 filings 106 filers Visit website Investor relations