Upstart Holdings, Inc. (UPST)
About Upstart Holdings, Inc.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
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Financial summary
- Revenue FY2025
- $1.0B
- Net income
- $53.6M
- Total assets
- $3.0B
- Market cap
- $2.8B
- Operating margin
- 4.1%
- Net margin
- 5.1%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $1.0B
- Operating expenses
- $1.0B
- Operating income
- $42.6M
- Income tax
- $728.0K
- Net income
- $53.6M
- EPS (basic)
- $0.56
- EPS (diluted)
- $0.45
Balance sheet
- Total assets
- $3.0B
- Current assets
- $3.0B
- Total liabilities
- $2.2B
- Current liabilities
- $2.2B
- Shareholders’ equity
- $798.8M
Cash flow
- Operating cash flow
- -$147.7M
- Investing cash flow
- -$177.2M
- Financing cash flow
- $405.6M
- Net cash flow
- $80.7M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $2.8B
- P/E ratio
- 59.8
- EPS (diluted)
- $0.45
- Shares outstanding
- 105.7M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Dec 16, 2020
Upstart Holdings, Inc. (UPST) Stock Price
- Profitable — net income of $53.6M in FY2025.
- Revenue grew 23% from FY2021 to FY2025.
- Trading 68% below its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 59.8.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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News about Upstart Holdings, Inc.
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Upstart Holdings, Inc.: frequently asked questions
Is Upstart Holdings, Inc. an American company?
Upstart Holdings, Inc. is a US-based company headquartered in San Mateo, California, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is Upstart Holdings, Inc. headquartered?
Upstart Holdings, Inc. is headquartered in San Mateo, California, United States.
Is Upstart Holdings, Inc. publicly traded?
Yes — Upstart Holdings, Inc. is a publicly traded company. Its stock trades under the ticker symbol UPST on the NASDAQ.
What does Upstart Holdings, Inc. do?
Upstart Holdings, Inc. is an American Financial Services company in the Business & Financial Services sector.
