UPST · Upstart Holdings, Inc.
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
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 written earnings releases and filings| Metric | Latest | Period | YoY |
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| Adjusted EBITDA non-GAAP | $76.9M | Q2 2026 | — |
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| Adjusted EBITDA Margin non-GAAP | 21% | Q2 2026 | — |
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| Contribution Margin | 55% | Q2 2026 | — |
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| Contribution Margin (Secured) | -35% | Q2 2026 | — |
| Contribution Margin (Unsecured) | 62% | Q2 2026 | — |
| Contribution Profit | 193M | Q2 2026 | — |
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| Originations, Dollars | 4.2B | Q2 2026 | — |
| Originations, Number of Loans | 558,014 | Q2 2026 | — |
| Conversion Rate | 19.4% | FY2025 | — |
| Transaction Volume, Dollars | 11B | FY2025 | — |
| Transaction Volume, Number of Loans | 1,497,149 | FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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.
|
$2.83B | -30.4% | +64.0% | — | 25.9% |
|
V
Visa Inc.
|
$641.36B | +3.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$498.70B | -0.3% | +16.4% | 31.3 | 1.0% |
|
AXP
American Express Co
|
$231.28B | -7.4% | +13.4% | 20.8 | 1.8% |
|
COF
Capital One Financial Corp
|
$141.47B | -6.2% | +36.6% | — | 1.7% |
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 | -2.1% | +3.1% | +11.6% | +10.9% | -30.4% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | -2.5% | -1.3% | -2.1% | +7.0% | -44.3% |
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.