Upstart Holdings, Inc.
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
52-week range
- Market cap
- $2.8B
- P/E ratio
- 68.9
- EPS (diluted)
- $0.45
- Shares outstanding
- 91.8M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Dec 16, 2020
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $53.6M in FY2025.
- Revenue grew 23% from FY2021 to FY2025.
- Trading 63% below its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 68.9.
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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