Upstart Holdings, Inc.
UPSTNasdaq
$29.51
↓ -4.4%Jul 17 close · end-of-day
Price
1Y↓ -61.7%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$2.9B
Enterprise Value
$2.4B
P/E
72.0
P/S
2.5
P/B
3.9
EV/EBITDA
37.3
PEG
—
FCF Yield
-9.5%
Dividend Yield
—
Revenue (TTM)
$1.1B
Net Income (TTM)
$49.4M
Free Cash Flow (TTM)
-$270.6M
Gross Margin
—
Operating Margin
3.5%
Net Margin
4.3%
ROE
6.7%
ROIC
12.0%
Debt / Equity
—
Net Cash
$472.9M
Return 1Y
-62.0%
Earnings
UPST Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$308.2M↑ +44.4%
Diluted EPS-$0.07↑ +133.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $233.4M | $848.6M | $842.4M | $513.6M | $636.5M | $1.0B |
| Gross profit | — | — | — | — | — | — |
| 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 |
| Diluted EPS | $0.00 | $1.43 | -$1.31 | -$2.87 | -$1.44 | $0.45 |
| Operating cash flow | $15.7M | $168.4M | -$657.9M | -$111.7M | $186.3M | -$147.7M |
| Free cash flow | $14.3M | $159.9M | -$666.7M | -$113.2M | $185.5M | -$148.1M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | 5.0% | 16.6% | -13.5% | -50.0% | -27.2% | 4.1% |
| Net margin | 2.6% | 16.0% | -12.9% | -46.8% | -20.2% | 5.1% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $127.6M | $162.1M | $219.0M | $213.4M | $257.3M | $277.1M | $296.1M | $308.2M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | -$55.5M | -$45.2M | -$4.8M | -$4.5M | $4.5M | $23.7M | $18.9M | -$7.5M |
| Net income | -$54.5M | -$6.8M | -$2.8M | -$2.4M | $5.6M | $31.8M | $18.6M | -$6.6M |
| Diluted EPS | -$0.62 | -$0.07 | -$0.01 | -$0.03 | $0.05 | $0.23 | $0.20 | -$0.07 |
| Operating cash flow | $73.6M | $179.3M | -$110.9M | -$13.5M | -$120.2M | -$122.6M | $108.6M | -$133.3M |
| Free cash flow | $73.5M | $179.2M | -$110.9M | -$13.5M | -$120.3M | -$122.7M | $108.4M | -$136.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | -43.5% | -27.8% | -2.2% | -2.1% | 1.8% | 8.5% | 6.4% | -2.4% |
| Net margin | -42.7% | -4.2% | -1.3% | -1.1% | 2.2% | 11.5% | 6.3% | -2.2% |
Company news
Coming soonHeadlines for UPST will appear here once the news feed is connected.
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
No insider transactions in the last 12 months.
No insider transactions on file.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.