UPST
Upstart Holdings, Inc. Financials Finance Services Russell 3000
$23.02Close
$2.3BMarket cap
$22.74 – $50.7052-week range
Nov 3, 2026Next report · before the open
Highlights
Strengths
- Earnings growing EPS +177% year on year
Cautions
- Not in an uptrend 0 of 8 trend conditions
- Lagging the market RS 7 · weaker than 93% of stocks over 12 months
- Far from its high 55% below its 52-week high
- Results soon Nov 3, 2026, in 2 days
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
55%
1wk
down 3.2%
price change
1mo
up 0.1%
price change
12-month return
down 49%
market up 11% ·
its own down 64%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
42.1×
price / earnings
PEG
—
P/E / EPS growth
P/B
2.8×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 64%
year on year
EPS growth
up 177%
latest quarter
Sales growth
up 42%
latest quarter · -3 pts
ROE
up 7%
return on equity
Free cash margin
—
D/E
2.29
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Trade setup
ATR%
4.9%
$1.14 a day · 2×ATR $20.75
RS
7 / 99
vs the universe
Trend
0 / 8
trend template
Relative volume
1.0×
vs 50-day average
Up/down volume
0.79
50 sessions
Implied move
—
no option chain · report Nov 3, 2026
Trend template · 0 of 8
Screen verdict
Did not qualify for any screen.
Warning signs
- Shareholders diluted The share count rose 4.9% over the year, from 93m to 98m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported
Aug 4, 2026
Results reaction
Aug 4, 2026+1% vs market2 sessions after results
Financials
- Net 5%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $228.6M | $801.3M | $907.3M | $513.6M | $636.5M | $1.0B |
| Operating income | $11.8M | $140.9M | -$113.9M | -$256.5M | -$172.9M | $42.6M |
| Net income | $6.0M | $135.4M | -$108.7M | -$240.1M | -$128.6M | $53.6M |
| Net margin | 3% | 17% | -12% | -47% | -20% | 5% |
| Earnings per share | $0.34 | $1.43 | -$1.31 | -$2.87 | -$1.44 | $0.50 |
| Cash | $311.3M | $1.2B | $532.5M | $368.4M | $788.4M | $652.4M |
| Long-term debt | $62.6M | $695.4M | $986.4M | $1.0B | $1.4B | $1.8B |
| Shareholders' equity | $300.3M | $807.1M | $672.4M | $635.3M | $633.2M | $798.8M |
| Shares outstanding | 73.31m | 83.66m | 81.26m | 86.33m | 93.47m | 98.03m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 4, 2026 | Quarterly ↗ | Jun 30, 2026 | 35d |
| May 5, 2026 | Quarterly ↗ | Mar 31, 2026 | 35d |
| Feb 10, 2026 | Annual ↗ | Dec 31, 2025 | 41d |
| Nov 4, 2025 | Quarterly ↗ | Sep 30, 2025 | 35d |
| Aug 5, 2025 | Quarterly ↗ | Jun 30, 2025 | 36d |
| May 6, 2025 | Quarterly ↗ | Mar 31, 2025 | 36d |
| Feb 14, 2025 | Annual ↗ | Dec 31, 2024 | 45d |
| Nov 8, 2024 | Quarterly ↗ | Sep 30, 2024 | 39d |
| Aug 7, 2024 | Quarterly ↗ | Jun 30, 2024 | 38d |
| May 8, 2024 | Quarterly ↗ | Mar 31, 2024 | 38d |
| Feb 15, 2024 | Annual ↗ | Dec 31, 2023 | 46d |
| Nov 8, 2023 | Quarterly ↗ | Sep 30, 2023 | 39d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 20, 2026 | Material agreement · New obligation ↗ |
| Aug 4, 2026 | Results ↗ |
| May 28, 2026 | Shareholder vote ↗ |
| May 19, 2026 | Director or officer change ↗ |
| May 5, 2026 | Results ↗ |
| Mar 10, 2026 | Other events ↗ |
| Feb 19, 2026 | Other events ↗ |
| Feb 10, 2026 | Director or officer change ↗ |
| Feb 10, 2026 | Results ↗ |
| Nov 4, 2025 | Results ↗ |
| Aug 14, 2025 | Material agreement · Agreement ended · New obligation · Unregistered share sale · Other events ↗ |
| Aug 5, 2025 | Results ↗ |