UPST Upstart Holdings, Inc. - Common stock
NASDAQ · Financial Services · Ver en SEC EDGAR ↗ cerrar Oct 2, 2026 10-K/10-Q Ago 5, 2026UPST Instantánea de la Acción Precio, capitalización bursátil, P/E, BPA, ROE, deuda/capital, rango de 52 semanas
UPST Gráfico del Precio de la Acción OHLCV diario con indicadores técnicos — desplace, amplíe y personalice su vista
La granularidad de las barras se adapta al período seleccionado; pase el ratón sobre el gráfico para ver la apertura/máximo/mínimo/cierre de una barra.
Acerca de Upstart Holdings, Inc. - Common stock Descripción general de la empresa de Wikipedia
Upstart is a lending platform based in San Mateo, California. It was first launched in April 2012 with an Income Share Agreement (ISA) product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well.
Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. This means that in addition to traditional underwriting criteria—FICO score, credit report, and income—the Upstart underwriting considers education variables—colleges attended, area of study, GPA, and standardized test scores—and work history to develop a statistical model of the borrower's financial capacity and personal propensity to repay.
Upstart raised a $1.75M seed round from First Round Capital, Kleiner Perkins Caufield & Byers, New Enterprise Associates, Google Ventures, Crunchfund and Mark Cuban. They subsequently raised a series A round of $5.9M which included new investors Eric Schmidt (Google Executive Chairman), Marc Benioff, Khosla Ventures, Correlation Ventures, Founders Fund, and Collaborative Fund. Upstart raised a Series C round of $35M from Third Point Capital in June 2015, and $32.5M from Rakuten in 2017. Upstart raised a Series D round of $50M from The Progressive Corporation in 2019.
In late 2020, Upstart went public via an initial public offering.
Fuente: Wikipedia (Inglés), CC BY-SA 4.0 · Ver en Wikipedia ↗
Rendimiento a 10 años Tendencias de ingresos, beneficio neto, márgenes y BPA
Valoración Ratios P/E, P/S, P/B, EV/EBITDA: ¿está la acción cara o barata?
| Métrica | Tendencia a 5 años | UPST | promedio 5A | Mediana de Pares | Veredicto |
|---|---|---|---|---|---|
| P/E (TTM) | 43.9promedio 5A ≈27.2 | ≈27.2 | 12.0 | Sobrevalorado | |
| P/S (TTM) | 1.8promedio 5A ≈7.2 | ≈7.2 | 1.7 | Sobrevalorado | |
| P/C (MRQ) | 2.8promedio 5A ≈7.5 | ≈7.5 | 4.0 | Sobrevalorado | |
| Precio / FCF (TTM) | -7.7promedio 5A ≈11.6 | ≈11.6 | · | · | |
| Precio / Flujo de Caja (TTM) | -7.8promedio 5A ≈10.7 | ≈10.7 | · | · | |
| Precio / Valor Contable Tangible (MRQ) | 2.8promedio 5A ≈8.4 | ≈8.4 | · | · |
La mediana de empresas comparables se calcula sobre una base estandarizada por métrica y puede no coincidir siempre con la base TTM/MRQ que se muestra para esta acción.
Rentabilidad Márgenes brutos, operativos y netos; ROE, ROA, ROIC
| Métrica | Tendencia a 5 años | UPST | promedio 5A | Mediana de Pares | Veredicto |
|---|---|---|---|---|---|
| Margen Operativo (TTM) | 4.0%promedio 5A ≈-14.0% | ≈-14.0% | 17.3% | Débil | |
| Margen EBITDA (TTM) | 6.0%promedio 5A ≈-11.4% | ≈-11.4% | 7.6% | Débil | |
| Margen de Beneficio Neto (TTM) | 4.8%promedio 5A ≈-11.8% | ≈-11.8% | 14.1% | Débil | |
| ROA (TTM) | 2.1%promedio 5A ≈-2.0% | ≈-2.0% | 3.4% | Débil | |
| ROE (TTM) | 7.9%promedio 5A ≈-9.9% | ≈-9.9% | 22.6% | Débil |
Salud financiera Deuda, liquidez, solvencia — solidez del balance general
Aún no hay datos fundamentales para este ticker.
Crecimiento Crecimiento de ingresos, BPA y beneficio neto: interanual, CAGR a 3 años, CAGR a 5 años
| Métrica | Tendencia a 5 años | UPST | promedio 5A | Mediana de Pares | Veredicto |
|---|---|---|---|---|---|
| Revenue YoY (Ingresos interanuales) | 64.0%promedio 5A ≈62.3% | ≈62.3% | · | · | |
| Revenue CAGR 3Y (Ingresos CAGR 3A) | 7.4%promedio 5A ≈9.4% | ≈9.4% | · | · | |
| Revenue CAGR 5Y (Ingresos CAGR 5A) | 34.9% | · | · | · | |
| Net Income CAGR 5Y (CAGR Beneficio Neto 5A) | 55.0% | · | · | · |
Eficiencia de capital Rotación de activos, rotación de inventario, rotación de cuentas por cobrar
| Métrica | Tendencia a 5 años | UPST | promedio 5A | Mediana de Pares | Veredicto |
|---|---|---|---|---|---|
| Asset Turnover (Rotación de Activos) | 0.4promedio 5A ≈0.4 | ≈0.4 | 0.3 | De primer nivel | |
| Revenue / Employee (Ingresos / Empleado) | ≈$743.0K | · | · | · |
valor · ≈ promedio 5A · mediana sectorial · veredicto relativo a la mediana
Historial de Ganancias EPS real vs estimado, sorpresa %, tasa de aciertos, próxima fecha de resultados
| Período | Informe | EPS Actual | EPS est. | Sorpresa |
|---|---|---|---|---|
| 30 de junio de 2026 | Ago 3, 2026 | $0.57 | $0.54 | 4.6% |
| 31 de marzo de 2026 | $0.30 | $0.43 | -29.9% | |
| 31 de diciembre de 2025 | $0.46 | $0.47 | -2.1% | |
| 30 de septiembre de 2025 | $0.52 | $0.43 | 20.9% | |
| 30 de junio de 2025 | $0.36 | $0.26 | 37.9% | |
| 31 de marzo de 2025 | $0.30 | $0.18 | 69.5% |
Fundamentales Completos Todas las métricas por año — estado de resultados, balance general, flujo de caja
Estado de resultados
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.04B | $637M | $514M | $842M | $849M | $233M | $164M | |
| R&D Expense | $258M | $254M | $280M | $237M | $134M | $39M | $19M | |
| SG&A Expense | $254M | $231M | $212M | $185M | $123M | $46M | $32M | |
| Operating Expenses | $1.00B | $809M | $770M | $956M | $708M | $222M | $169M | |
| Operating Income | $43M | $-173M | $-257M | $-114M | $141M | $12M | $-5M | |
| Interest Expense | · | · | $35M | $11M | $3M | $8M | $26M | |
| Interest Income | $204M | $186M | $169M | $106M | $21M | $26M | $63M | |
| Other Non-op | $24M | $19M | $21M | $9M | $-5M | $6M | $1M | |
| Income Tax | $728.0K | $185.0K | $107.0K | $-409.0K | $-2M | $371.0K | $74.0K | |
| Net Income | $54M | $-129M | $-240M | $-109M | $135M | $6M | $-466.0K | |
| EPS (Basic) | $0.56 | $-1.44 | $-2.87 | $-1.31 | $1.73 | $0.00 | $-0.03 | |
| EPS (Diluted) | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 | $0.00 | $-0.03 | |
| Shares (Basic) | 96,030,558 | 89,450,038 | 83,765,896 | 82,771,268 | 78,106,359 | 17,513,670 | 14,335,611 | |
| Shares (Diluted) | 107,492,735 | 89,450,038 | 83,765,896 | 82,771,268 | 94,772,641 | 17,513,670 | 14,335,611 | |
| EBITDA | $67M | $-152M | $-232M | $-100M | $148M | · | · |
Balance general
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $652M | $788M | $368M | $422M | $987M | $251M | · | |
| PP&E (Net) | $44M | $39M | $43M | $44M | $24M | $10M | · | |
| PP&E (Gross) | $123M | $94M | $80M | $61M | $32M | $14M | · | |
| Accum. Depreciation | $78M | $55M | $37M | $17M | $8M | $4M | · | |
| Goodwill | $67M | $67M | $67M | $67M | $67M | $0 | · | |
| Intangibles | $8M | $9M | $11M | $16M | $20M | $0 | · | |
| Total Assets | $2.97B | $2.37B | $2.02B | $1.94B | $1.82B | $477M | · | |
| Total Liabilities | $2.18B | $1.73B | $1.38B | $1.26B | $1.01B | $177M | · | |
| Common Stock | $10.0K | $9.0K | $9.0K | $8.0K | $8.0K | $7.0K | · | |
| Paid-in Capital | $1.16B | $1.04B | $918M | $715M | $741M | $369M | · | |
| Retained Earnings | $-358M | $-411M | $-283M | $-42M | $66M | $-69M | · | |
| Stockholders' Equity | $799M | $633M | $635M | $672M | $807M | $300M | $-62M | |
| Liabilities + Equity | $2.97B | $2.37B | $2.02B | $1.94B | $1.82B | $477M | · | |
| Shares Outstanding | 98,033,361 | 93,469,721 | 86,330,303 | 81,259,676 | 83,659,665 | 73,314,026 | 14,561,398 |
Flujo de Efectivo
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| D&A | $25M | $21M | $25M | $14M | $8M | $2M | $774.0K | |
| Stock-based Comp | $132M | $133M | $175M | $126M | $73M | $12M | $4M | |
| Deferred Tax | $0 | $0 | $0 | $-583.0K | $-2M | $0 | $0 | |
| Other Non-cash | $-358M | $161M | $-120M | $-705M | $-46M | · | · | |
| Operating Cash Flow | $-148M | $186M | $-112M | $-658M | $168M | $16M | $32M | |
| CapEx | $347.0K | $837.0K | $2M | $9M | $8M | $1M | $4M | |
| Investing Cash Flow | $-177M | $-238M | $-118M | $-114M | $-144M | $137M | $45M | |
| Stock Issued | · | · | $0 | $0 | $264M | $0 | $0 | |
| Stock Repurchased | · | $0 | $0 | $178M | $0 | · | · | |
| Net Stock Activity | · | $0 | $0 | $-178M | $264M | · | · | |
| Financing Cash Flow | $406M | $560M | $165M | $113M | $855M | $79M | $-119M | |
| Net Change in Cash | $81M | $508M | $-65M | $-659M | $880M | $231M | $-42M | |
| Taxes Paid | $590.0K | $258.0K | $-658.0K | $328.0K | $2M | · | · | |
| Free Cash Flow | $-148M | $185M | $-162M | $-684M | $160M | · | · |
Rentabilidad
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% | · | · | |
| Net Margin | 5.1% | -20.2% | -46.8% | -12.9% | 16.0% | · | · | |
| EBITDA Margin | 6.5% | -23.9% | -45.1% | -11.9% | 17.5% | · | · | |
| ROA | 2.0% | -5.9% | -12.2% | -5.8% | 11.8% | · | · | |
| ROE | 7.0% | -20.9% | -37.6% | -15.6% | 17.8% | · | · |
Liquidez y Solvencia
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -7.4 | -10.5 | 43.0 | · | · |
Eficiencia
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.4 | 0.7 | · | · |
Por Acción
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $8.15 | $6.77 | $7.36 | $8.28 | $9.65 | · | · | |
| Revenue / Share | $9.71 | $7.12 | $6.13 | $10.18 | $8.95 | · | · | |
| Cash Flow / Share | $-1.37 | $2.08 | $-1.92 | $-8.15 | $1.78 | · | · | |
| Cash / Share | $6.65 | $8.44 | $4.27 | $5.20 | $11.79 | · | · | |
| EPS (TTM) | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 | $0.00 | · |
Tasas de Crecimiento
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 64.0% | 23.9% | -39.0% | -0.72% | 263.6% | · | · | |
| Revenue CAGR 3Y | 7.4% | -9.1% | 30.1% | · | · | · | · | |
| Revenue CAGR 5Y | 34.9% | · | · | · | · | · | · | |
| Net Income YoY | · | · | · | · | 2163.8% | · | · | |
| Net Income CAGR 5Y | 55.0% | · | · | · | · | · | · |
Valoración (TTM)
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.04B | $637M | $514M | $842M | $849M | $233M | · | |
| Net Income TTM | $54M | $-129M | $-240M | $-109M | $135M | $6M | · | |
| Market Cap | $4.29B | $5.75B | $3.53B | $1.07B | $12.66B | · | · | |
| P/E | 97.2 | -42.8 | -14.2 | -10.1 | 105.8 | · | · | |
| P/S | 4.1 | 9.0 | 6.9 | 1.3 | 14.9 | · | · | |
| P/B | 5.4 | 9.1 | 5.6 | 1.6 | 15.7 | · | · | |
| P / Tangible Book | 5.9 | 10.3 | 6.3 | 1.8 | 17.6 | · | · | |
| P / Cash Flow | -29.0 | 30.9 | -22.0 | -1.6 | 75.2 | · | · | |
| P / FCF | -29.0 | 31.0 | -21.8 | -1.6 | 79.1 | · | · | |
| Earnings Yield | 1.0% | -2.3% | -7.0% | -9.9% | 0.95% | 0.00% | · |
Estado de resultados
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $365M | $308M | $296M | $277M | $257M | $213M | $219M | $162M | $128M | $128M | $140M | $135M | $136M | $103M | $147M | $157M | |
| R&D Expense | $94M | $80M | $67M | $64M | $69M | $58M | $67M | $65M | $58M | $63M | $57M | $55M | $58M | $110M | $64M | $66M | |
| SG&A Expense | $80M | $76M | $68M | $61M | $65M | $61M | $60M | $60M | $53M | $58M | $56M | $54M | $50M | $53M | $47M | $48M | |
| Operating Expenses | $350M | $316M | $277M | $253M | $253M | $218M | $224M | $207M | $183M | $195M | $188M | $178M | $169M | $235M | $205M | $215M | |
| Operating Income | $15M | $-8M | $19M | $24M | $5M | $-4M | $-5M | $-45M | $-55M | $-67M | $-48M | $-44M | $-33M | $-132M | $-58M | $-58M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $11M | · | $9M | $4M | $7M | · | $3M | |
| Interest Income | $57M | $56M | $61M | $57M | $46M | $41M | $41M | $41M | $53M | $51M | $52M | $38M | $34M | $45M | $39M | $22M | |
| Other Non-op | $3M | $956.0K | $20M | $1M | $1M | $2M | $10M | $5M | $1M | $3M | $10M | $4M | $5M | $3M | $7M | $2M | |
| Income Tax | $614.0K | $84.0K | $526.0K | $124.0K | $49.0K | $29.0K | $111.0K | $45.0K | $15.0K | $14.0K | $63.0K | $10.0K | $18.0K | $16.0K | $-464.0K | $12.0K | |
| Net Income | $17M | $-7M | $19M | $32M | $6M | $-2M | $-3M | $-7M | $-54M | $-65M | $-42M | $-40M | $-28M | $-129M | $-55M | $-56M | |
| EPS (Basic) | $0.17 | $-0.07 | $0.20 | $0.33 | $0.06 | $-0.03 | $-0.01 | $-0.07 | $-0.62 | $-0.74 | $-0.47 | $-0.48 | $-0.34 | $-1.58 | $-0.65 | $-0.69 | |
| EPS (Diluted) | $0.16 | $-0.07 | $0.20 | $0.23 | $0.05 | $-0.03 | $-0.01 | $-0.07 | $-0.62 | $-0.74 | $-0.47 | $-0.48 | $-0.34 | $-1.58 | $-0.60 | $-0.69 | |
| Shares (Basic) | 96,573,751 | 96,901,974 | · | 96,682,774 | 95,526,364 | 94,274,538 | · | 90,119,481 | 88,435,893 | 87,030,695 | · | 84,404,966 | 83,130,638 | 81,911,433 | · | 81,672,099 | |
| Shares (Diluted) | 109,720,846 | 96,901,974 | · | 109,724,669 | 102,852,284 | 94,274,538 | · | 90,119,481 | 88,435,893 | 87,030,695 | · | 84,404,966 | 83,130,638 | 81,911,433 | · | 81,672,099 | |
| EBITDA | · | $-2M | · | $24M | $5M | $2M | · | $-45M | $-55M | $-62M | · | $-44M | $-33M | $-125M | · | $-58M |
Balance general
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $456M | $473M | $652M | $490M | $396M | $600M | $788M | $445M | $375M | $301M | · | $517M | $444M | $387M | · | $684M | |
| PP&E (Net) | $49M | $48M | $44M | $44M | $44M | $42M | $39M | $38M | $40M | $41M | · | $48M | $47M | $47M | · | $41M | |
| PP&E (Gross) | $140M | $132M | $123M | $117M | $111M | $104M | $94M | $89M | $86M | $82M | · | $78M | $73M | $69M | · | $56M | |
| Accum. Depreciation | $91M | $84M | $78M | $72M | $67M | $61M | $55M | $51M | $46M | $42M | · | $30M | $26M | $22M | · | $15M | |
| Goodwill | $67M | $67M | $67M | $67M | $67M | $67M | $67M | $67M | $67M | $67M | · | $67M | $67M | $67M | · | $67M | |
| Intangibles | $8M | $8M | $8M | $9M | $9M | $9M | $9M | $10M | $10M | $10M | · | $12M | $13M | $15M | · | $17M | |
| Total Assets | $3.17B | $2.96B | $2.97B | $2.90B | $2.48B | $2.30B | $2.37B | $1.81B | $1.82B | $1.93B | · | $2.00B | $1.76B | $1.82B | · | $1.92B | |
| Total Liabilities | $2.37B | $2.23B | $2.18B | $2.16B | $1.76B | $1.62B | $1.73B | $1.21B | $1.23B | $1.31B | · | $1.36B | $1.13B | $1.19B | · | $1.20B | |
| Common Stock | $10.0K | $10.0K | $10.0K | $10.0K | $10.0K | $10.0K | $9.0K | $9.0K | $9.0K | $9.0K | · | $9.0K | $8.0K | $8.0K | · | $8.0K | |
| Paid-in Capital | $1.15B | $1.10B | $1.16B | $1.12B | $1.13B | $1.09B | $1.04B | $1.00B | $996M | $960M | · | $881M | $838M | $799M | · | $706M | |
| Retained Earnings | $-348M | $-364M | $-358M | $-376M | $-408M | $-414M | $-411M | $-408M | $-402M | $-347M | · | $-240M | $-200M | $-172M | · | $13M | |
| Stockholders' Equity | $797M | $733M | $799M | $744M | $722M | $677M | $633M | $596M | $595M | $613M | $635M | $641M | $638M | $627M | $672M | $719M | |
| Liabilities + Equity | $3.17B | $2.96B | $2.97B | $2.90B | $2.48B | $2.30B | $2.37B | $1.81B | $1.82B | $1.93B | · | $2.00B | $1.76B | $1.82B | · | $1.92B | |
| Shares Outstanding | 97,306,813 | 95,708,872 | 98,033,361 | 97,275,544 | 96,091,343 | 95,071,582 | 93,469,721 | 90,998,255 | 89,084,180 | 87,805,393 | 86,330,303 | 85,024,889 | 83,811,484 | 82,600,748 | 81,259,676 | 81,831,178 |
Flujo de Efectivo
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $7M | $6M | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $6M | $9M | $5M | $4M | $6M | $4M | $4M | |
| Stock-based Comp | $44M | $35M | $32M | $34M | $36M | $30M | $30M | $34M | $34M | $36M | $33M | $36M | $33M | $74M | $34M | $37M | |
| Other Non-cash | · | $-167M | · | · | · | $-47M | · | · | · | $76M | · | · | · | $-27M | · | · | |
| Operating Cash Flow | $-137M | $-133M | $109M | $-123M | $-120M | $-13M | $-111M | $179M | $65M | $44M | $-146M | $-53M | $217M | $-76M | $-236M | $-101M | |
| CapEx | $2M | $3M | $157.0K | $75.0K | $115.0K | $0 | $0 | $116.0K | $37.0K | $684.0K | $242.0K | $135.0K | $39.0K | $1M | $2M | $2M | |
| Investing Cash Flow | $94M | $876.0K | $132M | $-121M | $-110M | $-79M | $-78M | $-46M | $-76M | $-38M | $-30M | $-24M | $-38M | $-26M | $-85M | $-24M | |
| Stock Issued | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | |
| Stock Repurchased | $0 | $100M | · | · | $0 | $0 | · | · | · | · | · | $0 | · | · | $28M | $25M | |
| Net Stock Activity | · | $-100M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $93M | $7M | $-20M | $379M | $92M | $-45M | $509M | $-38M | $132M | $-35M | $28M | $182M | $-121M | $21M | $24M | $41M | |
| Net Change in Cash | $51M | $-126M | $220M | $135M | $-138M | $-137M | $320M | $95M | $121M | $-29M | $-147M | $105M | $58M | $-81M | $-297M | $-84M | |
| Taxes Paid | $1M | $79.0K | $18.0K | $22.0K | $454.0K | $96.0K | $8.0K | $37.0K | $125.0K | $88.0K | $324.0K | $7.0K | $164.0K | $-1M | $122.0K | $154.0K | |
| Free Cash Flow | · | $-136M | · | · | · | $-13M | · | · | · | $52M | · | · | · | $-77M | · | · |
Rentabilidad
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | · | -2.4% | · | 8.5% | 1.8% | -2.1% | · | -27.9% | -43.5% | -52.8% | · | -32.6% | -24.6% | -128.1% | · | -37.0% | |
| Net Margin | · | -2.2% | · | 11.5% | 2.2% | -1.1% | · | -4.2% | -42.7% | -50.5% | · | -30.0% | -20.8% | -125.6% | · | -35.8% | |
| EBITDA Margin | · | -0.54% | · | 8.5% | 1.8% | 0.89% | · | -27.9% | -43.5% | -48.4% | · | -32.6% | -24.6% | -121.8% | · | -37.0% | |
| ROA | · | -0.25% | · | 1.4% | 0.26% | -0.12% | · | -0.35% | -3.0% | -3.5% | · | -2.1% | -1.5% | -6.8% | · | -3.2% | |
| ROE | · | -0.94% | · | 4.8% | 0.85% | -0.38% | · | -1.1% | -8.8% | -10.4% | · | -5.9% | -4.0% | -17.2% | · | -7.8% |
Liquidez y Solvencia
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | · | · | · | · | · | · | · | -6.3 | · | -4.7 | -7.8 | -18.5 | · | -19.0 |
Eficiencia
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 |
Por Acción
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | $7.66 | · | $7.65 | $7.51 | $7.12 | · | $6.54 | $6.68 | $6.98 | · | $7.54 | $7.61 | $7.59 | · | $8.78 | |
| Revenue / Share | · | $3.18 | · | $2.53 | $2.50 | $2.26 | · | $1.80 | $1.44 | $1.47 | · | $1.59 | $1.63 | $1.26 | · | $1.93 | |
| Cash Flow / Share | · | $-1.38 | · | · | · | $-0.14 | · | · | · | $0.60 | · | · | · | $-0.92 | · | · | |
| Cash / Share | · | $4.94 | · | $5.04 | $4.12 | $6.31 | · | $4.89 | $4.21 | $3.42 | · | $6.08 | $5.29 | $4.68 | · | $8.36 | |
| EPS (TTM) | $0.37 | $0.41 | · | $0.24 | $-0.06 | $-0.73 | · | $-1.90 | $-2.31 | $-2.03 | · | $-3.00 | $-3.21 | $-3.23 | · | $-0.08 |
Valoración (TTM)
| Métrica | Tendencia | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.21B | $1.14B | · | $967M | $852M | $722M | · | $558M | $530M | $538M | · | $520M | $543M | $635M | · | $1.00B | |
| Net Income TTM | $47M | $49M | · | $32M | $-6M | $-66M | · | $-168M | $-202M | $-175M | · | $-253M | $-269M | $-271M | · | $6M | |
| Market Cap | · | $2.45B | · | $4.94B | $6.22B | $4.38B | · | $3.64B | $2.10B | $2.36B | · | $2.43B | $3.00B | $1.31B | · | $1.70B | |
| P/E | 95.8 | 62.6 | · | 211.7 | -1078.0 | -63.1 | · | -21.1 | -10.2 | -13.2 | · | -9.5 | -11.2 | -4.9 | · | -259.9 | |
| P/S | · | 2.2 | · | 5.1 | 7.3 | 6.1 | · | 6.5 | 4.0 | 4.4 | · | 4.7 | 5.5 | 2.1 | · | 1.7 | |
| P/B | · | 3.3 | · | 6.6 | 8.6 | 6.5 | · | 6.1 | 3.5 | 3.9 | · | 3.8 | 4.7 | 2.1 | · | 2.4 | |
| P / Tangible Book | 4.8 | 3.7 | · | 7.4 | 9.6 | 7.3 | · | 7.0 | 4.1 | 4.4 | · | 4.3 | 5.4 | 2.4 | · | 2.7 | |
| P / Cash Flow | · | -18.4 | · | · | · | -324.5 | · | · | · | 44.9 | · | · | · | -17.3 | · | · | |
| Earnings Yield | 1.0% | 1.6% | · | 0.47% | -0.09% | -1.6% | · | -4.8% | -9.8% | -7.5% | · | -10.5% | -9.0% | -20.3% | · | -0.38% |
Período más reciente a la izquierda · valores nulos mostrados como ·
Estados Financieros Estado de resultados, balance general, flujo de caja — anual, últimos 5 años
| Métrica | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Ingresos | $1.04B | $637M | $514M | $842M | $849M |
| Margen Operativo % | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% |
| Beneficio neto | $54M | $-129M | $-240M | $-109M | $135M |
| EPS Diluido | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 |
Aún no hay suficientes datos fundamentales para generar este estado.
| Métrica | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Flujo de caja libre | $-148M | $185M | $-162M | $-684M | $160M |
Propietarios institucionales (13F) 444 declarantes · $3.1B total · A fecha de 30 de junio de 2026
Instituciones que informan tener esta acción en su Formulario 13F trimestral de la SEC. Solo posiciones largas; un solo presentador puede aparecer dos veces para tramos de opciones separados. Las patas de put/call de compensación grandes suelen reflejar la creación de mercado o el inventario cubierto, no la convicción direccional.
| Nuevas posiciones | Posiciones cerradas | Aumentado | Disminuido | Cambio neto de acciones |
|---|---|---|---|---|
| 76 (+13 vs trimestre anterior) | 41 (-52 vs trimestre anterior) | 135 (-12 vs trimestre anterior) | 121 (+8 vs trimestre anterior) | +1.5M |
Comparado con Q1 2026. Las presentaciones del Formulario 13F de la SEC vencen dentro de los 45 días posteriores al final del trimestre, más un pequeño margen para los presentadores tardíos; los trimestres que aún se encuentran dentro de esa ventana se omiten en favor del par más reciente completamente reportado.
| Institución | Valor | Acciones | % de 13F rastreadas | Tipo |
|---|---|---|---|---|
| VANGUARD GROUP INC | $353 061 109 | 8 073 659 | 11,52% | Acciones |
| BlackRock, Inc. | $279 142 942 | 7 878 717 | 9,11% | Acciones |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $132 499 626 | 3 739 758 | 4,33% | Acciones |
| VANGUARD CAPITAL MANAGEMENT LLC | $131 039 733 | 3 698 553 | 4,28% | Acciones |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $108 401 628 | 3 059 600 | 3,54% | Opción de compra |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $91 745 985 | 2 589 500 | 2,99% | Opción de venta |
| MORGAN STANLEY | $85 553 247 | 2 414 712 | 2,79% | Acciones |
| GOLDMAN SACHS GROUP INC | $84 862 705 | 2 395 222 | 2,77% | Acciones |
| MARSHALL WACE, LLP | $83 993 547 | 2 370 690 | 2,74% | Acciones |
| GEODE CAPITAL MANAGEMENT, LLC | $78 974 444 | 2 228 631 | 2,58% | Acciones |
| STATE STREET CORP | $75 057 286 | 2 118 467 | 2,45% | Acciones |
| Clear Street Group Inc. | $64 803 702 | 1 829 063 | 2,12% | Acciones |
| Halter Ferguson Financial Inc. | $61 935 857 | 1 748 119 | 2,02% | Acciones |
| JANE STREET GROUP, LLC | $60 975 030 | 1 721 000 | 1,99% | Opción de venta |
| CITADEL ADVISORS LLC | $56 985 612 | 1 608 400 | 1,86% | Opción de compra |
| BANK OF AMERICA CORP /DE/ | $53 582 773 | 1 512 356 | 1,75% | Acciones |
| UBS Group AG | $53 266 738 | 1 503 436 | 1,74% | Acciones |
| JANE STREET GROUP, LLC | $50 643 642 | 1 429 400 | 1,65% | Opción de compra |
| WOLVERINE TRADING, LLC | $48 088 332 | 911 800 | 1,57% | Opción de compra |
| CITIGROUP INC | $40 237 213 | 1 135 682 | 1,31% | Acciones |
| BARCLAYS PLC | $39 999 584 | 1 128 975 | 1,31% | Acciones |
| BAILLIE GIFFORD & CO | $38 376 253 | 1 083 157 | 1,25% | Acciones |
| DIMENSIONAL FUND ADVISORS LP | $37 547 436 | 1 059 769 | 1,23% | Acciones |
| CITADEL ADVISORS LLC | $33 856 377 | 955 585 | 1,11% | Acciones |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $32 604 564 | 920 253 | 1,06% | Acciones |
| CITADEL ADVISORS LLC | $31 589 388 | 891 600 | 1,03% | Opción de venta |
| Point72 Asset Management, L.P. | $31 361 183 | 885 159 | 1,02% | Acciones |
| COATUE MANAGEMENT LLC | $30 857 652 | 870 947 | 1,01% | Acciones |
| CAPITAL FUND MANAGEMENT S.A. | $28 379 217 | 800 994 | 0,93% | Acciones |
| D. E. Shaw & Co., Inc. | $28 103 076 | 793 200 | 0,92% | Opción de compra |
| NORTHERN TRUST CORP | $27 816 163 | 785 102 | 0,91% | Acciones |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $27 113 906 | 765 281 | 0,89% | Acciones |
| MILLENNIUM MANAGEMENT LLC | $27 098 529 | 764 847 | 0,88% | Acciones |
| FMR LLC | $25 033 004 | 706 548 | 0,82% | Acciones |
| WOLVERINE TRADING, LLC | $23 226 696 | 440 400 | 0,76% | Opción de venta |
| VANGUARD FIDUCIARY TRUST CO | $21 373 396 | 603 257 | 0,70% | Acciones |
| Balyasny Asset Management L.P. | $19 725 971 | 556 759 | 0,64% | Acciones |
| HSBC HOLDINGS PLC | $18 300 044 | 508 900 | 0,60% | Opción de compra |
| PEAK6 LLC | $16 683 987 | 470 900 | 0,54% | Opción de venta |
| Walleye Capital LLC | $15 912 711 | 449 131 | 0,52% | Acciones |
| FIRST TRUST ADVISORS LP | $13 429 954 | 379 056 | 0,44% | Acciones |
| D. E. Shaw & Co., Inc. | $12 832 746 | 362 200 | 0,42% | Opción de venta |
| Pathstone Holdings, LLC | $11 878 899 | 335 278 | 0,39% | Acciones |
| Squarepoint Ops LLC | $11 695 939 | 330 114 | 0,38% | Acciones |
| FRED ALGER MANAGEMENT, LLC | $10 746 805 | 303 325 | 0,35% | Acciones |
| Hidden Lake Asset Management LP | $9 977 584 | 281 614 | 0,33% | Acciones |
| Bank of New York Mellon Corp | $9 681 085 | 273 245 | 0,32% | Acciones |
| Nuveen, LLC | $9 514 621 | 268 547 | 0,31% | Acciones |
| Caption Management, LLC | $8 857 500 | 250 000 | 0,29% | Opción de compra |
| Alberta Investment Management Corp | $8 460 684 | 238 800 | 0,28% | Acciones |
Informantes de la empresa 16 insiders · 7 directivos · 10 consejeros
| Insider | Rol | Última actividad | Acciones en propiedad | Compras 12m | Ventas 12m | Neto 12m |
|---|---|---|---|---|---|---|
| Paul Gu | Chief Executive Officer | 10 de septiembre de 2026 P | 130 000 | 4 | 0 | $6 575 300 |
| Andrea Blankmeyer | Chief Financial Officer | 19 de agosto de 2026 S | 152 208 | 0 | 5 | $-507 363 |
| Sanjay Datta | President, Capital& Enterprise | 8 de septiembre de 2026 M | 476 578 | 0 | 11 | $-5 267 388 |
| Natalia Mirgorodskaya | Chief Accounting Officer and Controller | 25 de agosto de 2026 S | 35 875 | 0 | 10 | $-200 965 |
| Scott Darling | Chief Legal Officer | 20 de agosto de 2026 S | 73 306 | 0 | 13 | $-1 469 361 |
| Alison Nicoll | General Counsel and Secretary | 24 de junio de 2022 M | 412 983 | 0 | 0 | $0 |
| Anna M. Counselman | SVP, People and Operations | 20 de febrero de 2022 A | 19 143 | 0 | 0 | $0 |
| Peter J Bernard | Consejero | 29 de mayo de 2026 A | 11 392 | 0 | 0 | $0 |
| Ciaran O'Kelly | Consejero | 29 de mayo de 2026 A | 39 484 | 0 | 0 | $0 |
| Mary Hentges | Consejero | 29 de mayo de 2026 A | 37 149 | 0 | 0 | $0 |
| Kerry Whorton Cooper | Consejero | 29 de mayo de 2026 A | 6 476 | 0 | 1 | $-75 000 |
| Hilliard C. Terry III | Consejero | 29 de mayo de 2026 A | 37 432 | 0 | 0 | $0 |
| Timothy H Wennes | Consejero | 29 de mayo de 2026 A | 6 476 | 0 | 0 | $0 |
| Dave Girouard | Consejero | 7 de mayo de 2026 M | 9 348 016 | 2 | 0 | $5 000 066 |
| Jeff Huber | Consejero | 27 de mayo de 2025 A | 29 671 | 0 | 0 | $0 |
| Cassidy Sukhinder Singh | Consejero | 2 de diciembre de 2024 M | 8 278 | 0 | 0 | $0 |
Informantes de las presentaciones SEC Form 3/4/5; neto = solo P/S de mercado abierto
Propiedad de ETFs Mantenido por 32 ETFs
El peso refleja solo las tenencias directas de acciones (N-PORT); los fondos apalancados o basados en derivados pueden tener exposición adicional a swaps no mostrada.
| Fondo | Ponderación | Unidades | A fecha de | Fuente |
|---|---|---|---|---|
| FYC · First Trust Exchange-Traded AlphaDE… | 0,31% | 145 809 NS | 31 de julio de 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0,18% | 91 282 SH | 19 de agosto de 2026 | Diario |
| IWO · iShares Trust | 0,14% | 811 069 SH | 11 de septiembre de 2026 | Diario |
| BKSE · BNY Mellon ETF Trust | 0,10% | 3 228 NS | 31 de julio de 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,09% | 492 357 SH | 19 de agosto de 2026 | Diario |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,09% | 22 603 NS | 31 de julio de 2026 | N-PORT |
| VBK · VANGUARD INDEX FUNDS | 0,08% | 1 070 193 SH | 19 de agosto de 2026 | Diario |
| RSSL · Global X Funds | 0,08% | 40 971 NS | 31 de julio de 2026 | N-PORT |
| ISCG · iShares Trust | 0,07% | 27 161 SH | 11 de septiembre de 2026 | Diario |
| IWM · iShares Trust | 0,07% | 2 197 618 SH | 11 de septiembre de 2026 | Diario |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,07% | 78 557 SH | 1 de octubre de 2026 | Diario |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,06% | 13 210 NS | 31 de julio de 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0,05% | 24 621 NS | 31 de julio de 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,05% | 268 504 NS | 31 de julio de 2026 | N-PORT |
| ESML · iShares Trust | 0,04% | 48 843 SH | 11 de septiembre de 2026 | Diario |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,04% | 4 211 SH | 30 de septiembre de 2026 | Diario |
| VXF · VANGUARD INDEX FUNDS | 0,03% | 967 149 SH | 19 de agosto de 2026 | Diario |
| VB · VANGUARD INDEX FUNDS | 0,03% | 1 859 762 SH | 19 de agosto de 2026 | Diario |
| VFH · VANGUARD WORLD FUND | 0,03% | 135 095 SH | 19 de agosto de 2026 | Diario |
| FNCL · FIDELITY COVINGTON TRUST | 0,03% | 21 806 NS | 31 de julio de 2026 | N-PORT |
| WSML · iShares Trust | 0,02% | 5 107 SH | 11 de septiembre de 2026 | Diario |
| TECB · iShares Trust | 0,01% | 2 672 SH | 11 de septiembre de 2026 | Diario |
| ESGV · VANGUARD WORLD FUND | 0,01% | 18 892 SH | 19 de agosto de 2026 | Diario |
| ITOT · iShares Trust | 0,00% | 122 084 SH | 11 de septiembre de 2026 | Diario |
| IWV · iShares Trust | 0,00% | 23 327 SH | 11 de septiembre de 2026 | Diario |
| DCOR · Dimensional ETF Trust | 0,00% | 1 194 NS | 31 de julio de 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 16 131 NS | 31 de julio de 2026 | N-PORT |
| TILT · FlexShares Trust | 0,00% | 316 NS | 31 de julio de 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 2 576 682 SH | 19 de agosto de 2026 | Diario |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0,00% | 70 548 SH | 19 de agosto de 2026 | Diario |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 7 204 SH | 19 de agosto de 2026 | Diario |
| ISCB · iShares Trust | · | 3 904 SH | 11 de septiembre de 2026 | Diario |
UPST Consenso de analistas Opiniones de analistas alcistas y bajistas, precio objetivo a 12 meses, potencial alcista
Precio objetivo a 12 meses
16 analistas · 2026-10-01Objetivo medio $40.00 +75,4%
Comparación de pares (subindustria GICS) Métricas clave frente a competidores del sector
Base del ejercicio fiscal, precios al cierre del último ejercicio fiscal de cada empresa.
| Ticker | Capitalización Bursátil | P/E | Ingresos interanuales | Margen Neto | ROE | Margen Bruto |
|---|---|---|---|---|---|---|
| UPST | $4.29B | 97.2 | 64.0% | 5.1% | 7.0% | · |
| NNI | · | 11.3 | 21.1% | 120.9% | 12.2% | · |
| DAVE | · | · | · | · | · | · |
| ENVA | $3.89B | 13.6 | 18.6% | 9.8% | 24.3% | 58.1% |
| SLM | $5.39B | 7.8 | 7.3% | 37.5% | 30.9% | · |
| BFH | $3.26B | 6.8 | · | 12.8% | 16.0% | · |
| ECPG | $1.18B | 5.0 | 34.4% | 14.5% | 27.4% | · |
| EZPW | $1.16B | 13.4 | 9.7% | 8.6% | 11.7% | 58.6% |
| HAPN | · | · | · | · | · | · |
| ATLC | · | · | · | · | · | · |
| PRG | $2.42B | 8.2 | 0.42% | 6.1% | 20.8% | · |
Últimas noticias Noticias recientes que mencionan a esta empresa
Mis Métricas Tu lista de seguimiento personal — filas seleccionadas de Fundamentales Completos
Seleccione las métricas que le importan: haga clic en el + junto a cualquier fila en Fundamentales completos arriba.
Tu selección se guarda y te sigue en todos los tickers.