UPST — Upstart Holdings, Inc.
—
Nasdaq ·
Financials ·
Consumer Finance ·
CIK 1647639 ·
Last close
$31.46
Market Cap
$3.01B
52W High
$35.80
52W Low
$23.97
ADV30
4,691,087
Next earnings
2026-08-04
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | GrossProfit | OpIncome | NetIncome | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Mar 2026 | 308,214,000 | — | — | -6,646,000 | 2,961,681,000 | 474,554,000 | 2,228,515,000 |
| Dec 2025 | 276,218,000 | — | — | 18,636,000 | 2,974,805,000 | 657,445,000 | 2,175,990,000 |
| Sep 2025 | 277,105,000 | — | — | 31,805,000 | 2,904,848,000 | 494,887,000 | 2,161,130,000 |
| Jun 2025 | 257,291,000 | — | — | 5,607,000 | 2,477,868,000 | 400,556,000 | 1,755,858,000 |
Cashflow TTM (yfinance, fills SEC gap)
Operating CF
$-267,536,000
Investing CF
$-97,726,000
Financing CF
$457,068,000
CapEx
$-19,240,000
Dividends Paid
—
Buybacks
$-100,057,000
EPS Diluted TTM
$0.38
As of
2026-05-10
Balance + Analyst (yfinance extras)
Retained Earnings
$-364,202,000
Inventory
—
Receivables
$263,050,000
ST Investments
—
EBIT TTM
—
Pretax Income TTM
$50,185,000
Interest Exp TTM
$54,886,000
Analysts
15
Yahoo Snapshot (yfinance, live)
Total Revenue
$1,173,714,048
EBITDA
$98,916,000
Free Cash Flow
$-312,582,368
Enterprise Value
$4,514,824,192
Total Cash
$474,663,008
Total Debt
$1,978,401,024
Shares Out
95,711,569
Trailing EPS
$0.41
Book Value
$7.66
ROE
7.0%
ROA
1.8%
Div Yield
—
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | OpIncome | NetIncome | Assets | Liabilities | Equity | OCF |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 1,023,985,000 | — | 53,601,000 | 2,974,805,000 | 2,175,990,000 | — | -147,725,000 |
| Dec 2024 | 628,834,000 | — | -128,581,000 | 2,366,958,000 | 1,733,740,000 | — | 186,331,000 |
| Dec 2023 | 508,119,000 | — | -240,132,000 | 2,017,100,000 | 1,381,795,000 | — | -111,712,000 |
| Dec 2022 | 837,760,000 | — | -108,665,000 | 1,936,054,000 | 1,263,619,000 | — | -657,860,000 |
TTM Snapshot
Revenues TTM
$682,380,000
NetIncome TTM
$-74,183,000
OpCashFlow TTM
$0
Assets (Latest)
$2,366,958,000
Forward EPS
$3.42
Max Pain — expiry 2026-06-26
max pain strike: $32.50 · spot: $32.62 · call oi: 10,958 · put oi: 10,067
Expected Move to 2026-06-26:
±$1.88
(5.75%) —
implied range
$30.74 –
$34.49
· ATM straddle on $32.50 strike
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| SII | SPROTT INC. | $2.93B | $113.53 | — |
| NNI | NELNET INC | $3.28B | $129.55 | — |
| BTDR | Bitdeer Technologies Group | $3.43B | $17.23 | — |
| DAVE | Dave Inc./DE | $3.62B | $317.97 | — |
| FMCC | FEDERAL HOME LOAN MORTGAGE CORP | $3.65B | $5.61 | — |
News headlines (Yahoo Finance, 1h cache)
Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
2026-06-24 13:00 · Yahoo
Upstart Announces Agreement with Neuberger Specialty Finance for Investment in up to $600M of Consumer Loans
2026-06-24 12:45 · Yahoo
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2026-3
2026-06-23 18:29 · Yahoo
Upstart, Atlassian, and Asure Software Shares Are Falling, What You Need To Know
2026-06-23 00:35 · Yahoo
Upstart Holdings, Inc. (UPST) Suffers a Larger Drop Than the General Market: Key Insights
2026-06-22 22:00 · Yahoo
Upstart's AI Lending Model Faces Its Toughest Test if Rates Stay High
2026-06-22 18:29 · Yahoo
A Look Back at Vertical Software Stocks’ Q1 Earnings: Upstart (NASDAQ:UPST) Vs The Rest Of The Pack
2026-06-19 20:20 · Yahoo
2 Profitable Stocks Worth Your Attention and 1 We Question
2026-06-18 12:37 · Yahoo
OneMain vs. Upstart: Which Consumer Loan Stock Is a Better Buy in 2026?
2026-06-17 15:35 · Yahoo
Why Is Upstart (UPST) Stock Soaring Today
2026-06-16 06:12 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.