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Upstart
UPST.US
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc.
521.98 B
UPST.USMarket value -Rank by Market Cap -/-

Financial Score

20/11/2025 Update
B
Consumer FinanceIndustry
Industry Ranking5/49
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE4.81%C
    • Profit Margin3.23%C
    • Gross Margin82.58%A
  • Growth ScoreA
    • Revenue YoY64.93%A
    • Net Profit YoY119.15%A
    • Total Assets YoY60.58%A
    • Net Assets YoY24.88%A
  • Cash ScoreA
    • Cash Flow Margin3097.63%A
    • OCF YoY64.93%A
  • Operating ScoreC
    • Turnover0.42C
  • Debt ScoreE
    • Gearing Ratio74.40%E

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Institutional View & Shareholder

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    News
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    Does Pathward Partnership and Insider Buying Strengthen Upstart's (UPST) Case for AI Lending Leadership?

    Pathward Financial has partnered with Upstart Holdings to offer personal loans via Upstart's AI-driven platform. Upstart reported Q3 revenue of $277.11 million and net income of $31.81 million, with optimistic full-year guidance. A major insider stock purchase signals confidence in Upstart's fintech approach. The partnership aims to expand Upstart's reach, though challenges like default rates remain. Upstart projects $1.8 billion in revenue by 2028, requiring 27.2% annual growth. Fair value estimates vary, reflecting optimism and macroeconomic concerns.

    Simplywall·
    US
    UPST
    -1.69%
    US
    CASH
    +0.85%
    Simplywall·
    US
    UPST
    -1.69%
    US
    CASH
    +0.85%

    Officer/Dir Gu Buys 100,000 ($3.9M) Of Upstart Holdings Inc [UPST]

    Gu Paul Officer and Director of Upstart Holdings Inc [UPST] filed a Form 4 on November 13, 2025 with the Securities and Exchange Commission disclosing the following changes in ownership:Date11/11/25TransactionPurchaseShares100,000Price$39.23Value$3,922,800Ending Holdings: 1,247,156 (1,102,226 - Direct, 144,930 - Indirect) For a free trial, or to learn more about our insider trading analysis and data services, please visit or contact us at (301) 913-5100 or send an email to info@washingtonservice.com.Founded in 1970, The Washington Service provides securities professionals with financial, economic and public policy research and data.

    Reuters·
    US
    UPST
    -1.69%
    Reuters·
    US
    UPST
    -1.69%

    Upstart CTO Paul Gu Reports Acquisition of Common Shares

    Paul Gu, CTO and Director of Upstart Holdings Inc., reported acquiring common shares of the company. The full filing is available via EDGAR, the SEC's system. This news brief was created by Public Technologies using AI and is for informational purposes only.

    Reuters·
    US
    UPST
    -1.69%
    Reuters·
    US
    UPST
    -1.69%

    'Time to Double Down,' Says Analyst About Upstart Holdings Stock (UPST)

    Upstart Holdings (UPST), an AI lending platform, reported Q3 earnings of $0.23 per share, exceeding analysts' expectations of $0.08. Despite this positive performance, the stock fell due to weak Q4 guidance, prompting analysts to suggest a 'double down' on the stock.

    Tip Ranks·
    US
    UPST
    -1.69%
    Tip Ranks·
    US
    UPST
    -1.69%

    Why Upstart Holdings (UPST) Cut Its 2025 Revenue Outlook Despite Profit Gains—And What Comes Next

    Upstart Holdings reported Q3 2025 results with $277.11 million in revenue and $31.81 million in net income, but cut its full-year revenue guidance to $1.03 billion. Despite profit growth, the lowered outlook highlights revenue sensitivity to macroeconomic changes. The company is expanding partnerships, notably with Peak Credit Union, to enhance loan originations. Analysts project $1.8 billion in revenue by 2028, requiring 27.2% annual growth. Fair value estimates for UPST range from $21.91 to $85, indicating differing investor outlooks amid macro volatility.

    Simplywall·
    US
    UPST
    -1.69%
    Simplywall·
    US
    UPST
    -1.69%