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UPST NASDAQ US

Upstart Holdings, Inc. - Common stock

Financial Services · Financial Services Website · IPO Dec 2020
$25.58
▲ +$0.22 (+0.87%)
Vol 2.8M
4
Quality Score
fail
Mkt Cap
$4.3B
P/E
132.1
ROE
-1.0%
Margin
3.3%
D/E
197.85
Beta
2.44
52W
$31–$96

Wall Street Consensus

21 analysts · Apr 2026
4
Strong Buy
9
Buy
7
Hold
1
Sell
0
Strong Sell
61.9%
Buy Rating

Price Chart

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Earnings

Beat rate: 75.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $0.47 $0.46 $-0.01
Sep 2025 $0.43 $0.52 +$0.09
Jun 2025 $0.26 $0.36 +$0.10
Mar 2025 $0.18 $0.30 +$0.12

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) -1.0% -1.0% -1.0% -1.0% -1.0% -1.0%
P/E (TTM) — — — — 128.97 132.08
Net Margin 2.2% -0.8% -0.8% -0.8% 3.3% 3.3%
Gross Margin 82.0% 80.4% 80.4% 80.4% 81.7% 81.7%
D/E Ratio 197.85 197.85 197.85 197.85 197.85 197.85
Current Ratio 1.48 1.48 1.48 1.48 1.48 1.48

Key Ratios

ROA (TTM)
-0.3%
P/S (TTM)
4.40
P/B
8.9
EPS (TTM)
$0.29
Rev Growth 3Y
-9.1%
52W High
$96.43
52W Low
$31.40
$31.40 52-Week Range $96.43

How does UPST compare to Financial Services peers?

Peer group: Small-cap Financial Services ($300M+) · 132 companies

UPST ACT ACTG AFRM ALRS

UPST valuation vs Financial Services peers

P/E ratio
132.1
▲ 973% above peers (12.3)
vs Peers
vs Industry
Overvalued
P/S ratio
4.4
▲ 35% above peers (3.3)
vs Peers
vs Industry
Pricier
P/B ratio
8.9
▲ 448% above peers (1.6)
vs Peers
vs Industry
Overvalued
Div yield
—
▼ 0% below peers (4.5%)
vs Peers
vs Industry
In line

UPST profitability vs Financial Services peers

ROE
-1.0%
▼ 108% below peers (12.3%)
vs Peers
vs Industry
Weak
Net margin
3.3%
▼ 82% below peers (18.9%)
vs Peers
vs Industry
Weak
Gross margin
81.7%
▲ 26% above peers (65.1%)
vs Peers
vs Industry
Below avg
ROA
-0.3%
▼ 110% below peers (2.9%)
vs Peers
vs Industry
Weak

UPST financial health vs Financial Services peers

D/E ratio
197.9
▲ 91% above peers (103.6)
vs Peers
vs Industry
High debt
Current ratio
1.5
▲ 29% above peers (1.2)
vs Peers
vs Industry
Below avg
Beta
2.4
▲ 157% above peers (1.0)
vs Peers
vs Industry
More volatile

UPST fundamentals radar

UPST Peer median Industry

UPST profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

UPST vs peers: key metrics

Latest News

Is Upstart Stock a Millionaire Maker?
Yahoo Finance · Apr 03
Is This Fintech Stock Finally Turning the Corner on Profitability?
Nasdaq · Apr 01