UPST Upstart Holdings, Inc. - Common stock
NASDAQ · Financial Services · Voir sur SEC EDGAR ↗ clôture Oct 2, 2026 10-K/10-Q Aoû 5, 2026UPST Aperçu de l'action Prix, capitalisation boursière, P/E, EPS, ROE, dette/capitaux propres, fourchette sur 52 semaines
UPST Graphique du cours de l'action OHLCV quotidien avec indicateurs techniques — panoramique, zoom et personnalisez votre vue
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À propos de Upstart Holdings, Inc. - Common stock Présentation de l'entreprise depuis 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.
Source : Wikipedia (Anglais), CC BY-SA 4.0 · Voir sur Wikipedia ↗
Performance sur 10 ans Tendances du chiffre d'affaires, du bénéfice net, des marges et du BPA
Valorisation Ratios P/E, P/S, P/B, EV/EBITDA — l'action est-elle chère ou bon marché ?
| Métrique | Tendance sur 5 ans | UPST | moyenne 5 ans | Médiane des pairs | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 43.9moyenne 5 ans ≈27.2 | ≈27.2 | 12.0 | Surévalué | |
| P/S (TTM) | 1.8moyenne 5 ans ≈7.2 | ≈7.2 | 1.7 | Surévalué | |
| P/B (MRQ) | 2.8moyenne 5 ans ≈7.5 | ≈7.5 | 4.0 | Surévalué | |
| Cours / FCF (TTM) | -7.7moyenne 5 ans ≈11.6 | ≈11.6 | · | · | |
| Cours / Flux de trésorerie (TTM) | -7.8moyenne 5 ans ≈10.7 | ≈10.7 | · | · | |
| Cours / Actif net tangible (MRQ) | 2.8moyenne 5 ans ≈8.4 | ≈8.4 | · | · |
La médiane des pairs est calculée sur une base standardisée par métrique et peut ne pas toujours correspondre à la base TTM/MRQ indiquée pour cette action.
Rentabilité Marges brutes, d'exploitation et nettes ; ROE, ROA, ROIC
| Métrique | Tendance sur 5 ans | UPST | moyenne 5 ans | Médiane des pairs | Verdict |
|---|---|---|---|---|---|
| Marge d'exploitation (TTM) | 4.0%moyenne 5 ans ≈-14.0% | ≈-14.0% | 17.3% | Faible | |
| Marge EBITDA (TTM) | 6.0%moyenne 5 ans ≈-11.4% | ≈-11.4% | 7.6% | Faible | |
| Marge nette (TTM) | 4.8%moyenne 5 ans ≈-11.8% | ≈-11.8% | 14.1% | Faible | |
| ROA (TTM) | 2.1%moyenne 5 ans ≈-2.0% | ≈-2.0% | 3.4% | Faible | |
| ROE (TTM) | 7.9%moyenne 5 ans ≈-9.9% | ≈-9.9% | 22.6% | Faible |
Santé financière Dette, liquidité, solvabilité — solidité du bilan
Pas encore assez de données fondamentales pour calculer ce groupe de ratios.
Croissance Croissance du chiffre d'affaires, du BPA et du bénéfice net : Année/Année, TCAC 3 ans, TCAC 5 ans
| Métrique | Tendance sur 5 ans | UPST | moyenne 5 ans | Médiane des pairs | Verdict |
|---|---|---|---|---|---|
| Revenue YoY (Chiffre d'affaires YoY) | 64.0%moyenne 5 ans ≈62.3% | ≈62.3% | · | · | |
| Revenue CAGR 3Y (CAGR du chiffre d'affaires 3 ans) | 7.4%moyenne 5 ans ≈9.4% | ≈9.4% | · | · | |
| Revenue CAGR 5Y (CAGR du chiffre d'affaires 5 ans) | 34.9% | · | · | · | |
| Net Income CAGR 5Y (TCAC Bénéfice net 5 ans) | 55.0% | · | · | · |
Efficacité du capital Rotation des actifs, rotation des stocks, rotation des créances
| Métrique | Tendance sur 5 ans | UPST | moyenne 5 ans | Médiane des pairs | Verdict |
|---|---|---|---|---|---|
| Asset Turnover (Rotation des actifs) | 0.4moyenne 5 ans ≈0.4 | ≈0.4 | 0.3 | Premier rang | |
| Revenue / Employee (Chiffre d'affaires annuel ÷ employés (effectif déclaré, yfinance). Dérivé — pas un concept SEC-XBRL stocké.) | ≈$743.0K | · | · | · |
valeur · ≈ moyenne 5 ans · médiane du secteur · verdict par rapport à la médiane
Historique des bénéfices BPA réel vs estimation, surprise %, taux de succès, prochaine date de publication des résultats
| Période | Rapport | EPS Actual | BPA est. | Surprise |
|---|---|---|---|---|
| 30 juin 2026 | Aoû 3, 2026 | $0.57 | $0.54 | 4.6% |
| 31 mars 2026 | $0.30 | $0.43 | -29.9% | |
| 31 décembre 2025 | $0.46 | $0.47 | -2.1% | |
| 30 septembre 2025 | $0.52 | $0.43 | 20.9% | |
| 30 juin 2025 | $0.36 | $0.26 | 37.9% | |
| 31 mars 2025 | $0.30 | $0.18 | 69.5% |
Fondamentaux complets Tous les indicateurs par an — compte de résultat, bilan, flux de trésorerie
Compte de résultat
| Métrique | Tendance | 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 | · | · |
Bilan
| Métrique | Tendance | 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 |
Flux de trésorerie
| Métrique | Tendance | 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 | · | · |
Rentabilité
| Métrique | Tendance | 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% | · | · |
Liquidité et Solvabilité
| Métrique | Tendance | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -7.4 | -10.5 | 43.0 | · | · |
Efficacité
| Métrique | Tendance | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.4 | 0.7 | · | · |
Par action
| Métrique | Tendance | 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 | · |
Taux de croissance
| Métrique | Tendance | 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% | · | · | · | · | · | · |
Valorisation (TTM)
| Métrique | Tendance | 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% | · |
Compte de résultat
| Métrique | Tendance | 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 |
Bilan
| Métrique | Tendance | 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 |
Flux de trésorerie
| Métrique | Tendance | 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 | · | · |
Rentabilité
| Métrique | Tendance | 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% |
Liquidité et Solvabilité
| Métrique | Tendance | 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 |
Efficacité
| Métrique | Tendance | 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 |
Par action
| Métrique | Tendance | 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 |
Valorisation (TTM)
| Métrique | Tendance | 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% |
Période la plus récente à gauche · valeurs nulles affichées comme ·
États financiers Compte de résultat, bilan, flux de trésorerie — annuel, sur les 5 dernières années
| Métrique | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenu | $1.04B | $637M | $514M | $842M | $849M |
| Marge d'exploitation % | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% |
| Résultat net | $54M | $-129M | $-240M | $-109M | $135M |
| BPA dilué | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 |
Pas assez de données fondamentales pour construire ce relevé pour le moment.
| Métrique | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Flux de trésorerie libre | $-148M | $185M | $-162M | $-684M | $160M |
Détenteurs institutionnels (13F) 444 déclarants · $3.1B total · Au 30 septembre 2026
Institutions qui déclarent détenir cette action dans leur Formulaire SEC 13F trimestriel. Uniquement les positions longues ; un même déclarant peut apparaître deux fois pour des jambes d'options distinctes. Les jambes put/call compensatoires importantes reflètent généralement la tenue de marché ou un inventaire couvert, pas une conviction directionnelle.
| Nouvelles positions | Positions clôturées | Augmenté | Diminué | Variation nette des actions |
|---|---|---|---|---|
| 76 (+13 vs T. préc.) | 41 (-52 vs T. préc.) | 135 (-12 vs T. préc.) | 121 (+8 vs T. préc.) | +1.5M |
Comparé à Q1 2026. Les dépôts de formulaire 13F de la SEC sont dus dans les 45 jours suivant la fin du trimestre, plus une courte période tampon pour les déposants tardifs — les trimestres encore dans cette fenêtre sont ignorés au profit de la paire la plus récente entièrement déclarée.
| Institution | Valeur | Actions | % de 13F suivies | Type |
|---|---|---|---|---|
| VANGUARD GROUP INC | $353 061 109 | 8 073 659 | 11,52% | Actions |
| BlackRock, Inc. | $279 142 942 | 7 878 717 | 9,11% | Actions |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $132 499 626 | 3 739 758 | 4,33% | Actions |
| VANGUARD CAPITAL MANAGEMENT LLC | $131 039 733 | 3 698 553 | 4,28% | Actions |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $108 401 628 | 3 059 600 | 3,54% | Option d'achat |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $91 745 985 | 2 589 500 | 2,99% | Option de vente |
| MORGAN STANLEY | $85 553 247 | 2 414 712 | 2,79% | Actions |
| GOLDMAN SACHS GROUP INC | $84 862 705 | 2 395 222 | 2,77% | Actions |
| MARSHALL WACE, LLP | $83 993 547 | 2 370 690 | 2,74% | Actions |
| GEODE CAPITAL MANAGEMENT, LLC | $78 974 444 | 2 228 631 | 2,58% | Actions |
| STATE STREET CORP | $75 057 286 | 2 118 467 | 2,45% | Actions |
| Clear Street Group Inc. | $64 803 702 | 1 829 063 | 2,12% | Actions |
| Halter Ferguson Financial Inc. | $61 935 857 | 1 748 119 | 2,02% | Actions |
| JANE STREET GROUP, LLC | $60 975 030 | 1 721 000 | 1,99% | Option de vente |
| CITADEL ADVISORS LLC | $56 985 612 | 1 608 400 | 1,86% | Option d'achat |
| BANK OF AMERICA CORP /DE/ | $53 582 773 | 1 512 356 | 1,75% | Actions |
| UBS Group AG | $53 266 738 | 1 503 436 | 1,74% | Actions |
| JANE STREET GROUP, LLC | $50 643 642 | 1 429 400 | 1,65% | Option d'achat |
| WOLVERINE TRADING, LLC | $48 088 332 | 911 800 | 1,57% | Option d'achat |
| CITIGROUP INC | $40 237 213 | 1 135 682 | 1,31% | Actions |
| BARCLAYS PLC | $39 999 584 | 1 128 975 | 1,31% | Actions |
| BAILLIE GIFFORD & CO | $38 376 253 | 1 083 157 | 1,25% | Actions |
| DIMENSIONAL FUND ADVISORS LP | $37 547 436 | 1 059 769 | 1,23% | Actions |
| CITADEL ADVISORS LLC | $33 856 377 | 955 585 | 1,11% | Actions |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $32 604 564 | 920 253 | 1,06% | Actions |
| CITADEL ADVISORS LLC | $31 589 388 | 891 600 | 1,03% | Option de vente |
| Point72 Asset Management, L.P. | $31 361 183 | 885 159 | 1,02% | Actions |
| COATUE MANAGEMENT LLC | $30 857 652 | 870 947 | 1,01% | Actions |
| CAPITAL FUND MANAGEMENT S.A. | $28 379 217 | 800 994 | 0,93% | Actions |
| D. E. Shaw & Co., Inc. | $28 103 076 | 793 200 | 0,92% | Option d'achat |
| NORTHERN TRUST CORP | $27 816 163 | 785 102 | 0,91% | Actions |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $27 113 906 | 765 281 | 0,89% | Actions |
| MILLENNIUM MANAGEMENT LLC | $27 098 529 | 764 847 | 0,88% | Actions |
| FMR LLC | $25 033 004 | 706 548 | 0,82% | Actions |
| WOLVERINE TRADING, LLC | $23 226 696 | 440 400 | 0,76% | Option de vente |
| VANGUARD FIDUCIARY TRUST CO | $21 373 396 | 603 257 | 0,70% | Actions |
| Balyasny Asset Management L.P. | $19 725 971 | 556 759 | 0,64% | Actions |
| HSBC HOLDINGS PLC | $18 300 044 | 508 900 | 0,60% | Option d'achat |
| PEAK6 LLC | $16 683 987 | 470 900 | 0,54% | Option de vente |
| Walleye Capital LLC | $15 912 711 | 449 131 | 0,52% | Actions |
| FIRST TRUST ADVISORS LP | $13 429 954 | 379 056 | 0,44% | Actions |
| D. E. Shaw & Co., Inc. | $12 832 746 | 362 200 | 0,42% | Option de vente |
| Pathstone Holdings, LLC | $11 878 899 | 335 278 | 0,39% | Actions |
| Squarepoint Ops LLC | $11 695 939 | 330 114 | 0,38% | Actions |
| FRED ALGER MANAGEMENT, LLC | $10 746 805 | 303 325 | 0,35% | Actions |
| Hidden Lake Asset Management LP | $9 977 584 | 281 614 | 0,33% | Actions |
| Bank of New York Mellon Corp | $9 681 085 | 273 245 | 0,32% | Actions |
| Nuveen, LLC | $9 514 621 | 268 547 | 0,31% | Actions |
| Caption Management, LLC | $8 857 500 | 250 000 | 0,29% | Option d'achat |
| Alberta Investment Management Corp | $8 460 684 | 238 800 | 0,28% | Actions |
Initiés de la société 16 initiés · 7 dirigeants · 10 administrateurs
| Dirigeant | Rôle | Dernière activité | Actions détenues | Achats 12m | Ventes 12m | Net 12m |
|---|---|---|---|---|---|---|
| Paul Gu | Chief Executive Officer | 10 septembre 2026 P | 130 000 | 4 | 0 | $6 575 300 |
| Andrea Blankmeyer | Chief Financial Officer | 19 août 2026 S | 152 208 | 0 | 5 | $-507 363 |
| Sanjay Datta | President, Capital& Enterprise | 8 septembre 2026 M | 476 578 | 0 | 11 | $-5 267 388 |
| Natalia Mirgorodskaya | Chief Accounting Officer and Controller | 25 août 2026 S | 35 875 | 0 | 10 | $-200 965 |
| Scott Darling | Chief Legal Officer | 20 août 2026 S | 73 306 | 0 | 12 | $-1 414 721 |
| Alison Nicoll | General Counsel and Secretary | 24 juin 2022 M | 412 983 | 0 | 0 | $0 |
| Anna M. Counselman | SVP, People and Operations | 20 février 2022 A | 19 143 | 0 | 0 | $0 |
| Peter J Bernard | Administrateur | 29 mai 2026 A | 11 392 | 0 | 0 | $0 |
| Ciaran O'Kelly | Administrateur | 29 mai 2026 A | 39 484 | 0 | 0 | $0 |
| Mary Hentges | Administrateur | 29 mai 2026 A | 37 149 | 0 | 0 | $0 |
| Kerry Whorton Cooper | Administrateur | 29 mai 2026 A | 6 476 | 0 | 1 | $-75 000 |
| Hilliard C. Terry III | Administrateur | 29 mai 2026 A | 37 432 | 0 | 0 | $0 |
| Timothy H Wennes | Administrateur | 29 mai 2026 A | 6 476 | 0 | 0 | $0 |
| Dave Girouard | Administrateur | 7 mai 2026 M | 9 348 016 | 2 | 0 | $5 000 066 |
| Jeff Huber | Administrateur | 27 mai 2025 A | 29 671 | 0 | 0 | $0 |
| Cassidy Sukhinder Singh | Administrateur | 2 décembre 2024 M | 8 278 | 0 | 0 | $0 |
Initiés issus des déclarations SEC Form 3/4/5 ; net = uniquement P/S de marché
Détention d'ETF Détenu par 32 ETFs
Le poids reflète uniquement les participations directes en actions (N-PORT) ; les fonds à effet de levier ou basés sur des dérivés peuvent détenir une exposition supplémentaire aux swaps non indiquée.
| Fonds | Poids | Unités | Au | Source |
|---|---|---|---|---|
| FYC · First Trust Exchange-Traded AlphaDE… | 0,31% | 145 809 NS | 31 juillet 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0,18% | 91 282 SH | 19 août 2026 | Quotidien |
| IWO · iShares Trust | 0,14% | 811 069 SH | 11 septembre 2026 | Quotidien |
| BKSE · BNY Mellon ETF Trust | 0,10% | 3 228 NS | 31 juillet 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,09% | 492 357 SH | 19 août 2026 | Quotidien |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,09% | 22 603 NS | 31 juillet 2026 | N-PORT |
| VBK · VANGUARD INDEX FUNDS | 0,08% | 1 070 193 SH | 19 août 2026 | Quotidien |
| RSSL · Global X Funds | 0,08% | 40 971 NS | 31 juillet 2026 | N-PORT |
| ISCG · iShares Trust | 0,07% | 27 161 SH | 11 septembre 2026 | Quotidien |
| IWM · iShares Trust | 0,07% | 2 197 618 SH | 11 septembre 2026 | Quotidien |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,07% | 76 982 SH | 2 octobre 2026 | Quotidien |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,06% | 13 210 NS | 31 juillet 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0,05% | 24 621 NS | 31 juillet 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,05% | 268 504 NS | 31 juillet 2026 | N-PORT |
| ESML · iShares Trust | 0,04% | 48 843 SH | 11 septembre 2026 | Quotidien |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,04% | 4 211 SH | 2 octobre 2026 | Quotidien |
| VXF · VANGUARD INDEX FUNDS | 0,03% | 967 149 SH | 19 août 2026 | Quotidien |
| VB · VANGUARD INDEX FUNDS | 0,03% | 1 859 762 SH | 19 août 2026 | Quotidien |
| VFH · VANGUARD WORLD FUND | 0,03% | 135 095 SH | 19 août 2026 | Quotidien |
| FNCL · FIDELITY COVINGTON TRUST | 0,03% | 21 806 NS | 31 juillet 2026 | N-PORT |
| WSML · iShares Trust | 0,02% | 5 107 SH | 11 septembre 2026 | Quotidien |
| TECB · iShares Trust | 0,01% | 2 672 SH | 11 septembre 2026 | Quotidien |
| ESGV · VANGUARD WORLD FUND | 0,01% | 18 892 SH | 19 août 2026 | Quotidien |
| ITOT · iShares Trust | 0,00% | 122 084 SH | 11 septembre 2026 | Quotidien |
| IWV · iShares Trust | 0,00% | 23 327 SH | 11 septembre 2026 | Quotidien |
| DCOR · Dimensional ETF Trust | 0,00% | 1 194 NS | 31 juillet 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 16 131 NS | 31 juillet 2026 | N-PORT |
| TILT · FlexShares Trust | 0,00% | 316 NS | 31 juillet 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 2 576 682 SH | 19 août 2026 | Quotidien |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0,00% | 70 548 SH | 19 août 2026 | Quotidien |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 7 204 SH | 19 août 2026 | Quotidien |
| ISCB · iShares Trust | · | 3 904 SH | 11 septembre 2026 | Quotidien |
UPST Consensus des analystes Opinions des analystes haussières et baissières, objectif de cours à 12 mois, potentiel de hausse
Objectif de cours à 12 mois
16 analystes · 2026-10-01Objectif moyen $40.00 +75,4%
Comparaison des pairs (sous-secteur GICS) Indicateurs clés par rapport aux pairs du secteur
Base F.A., prix à la clôture de la dernière fin d'exercice de chaque société.
| Ticker | Capitalisation Boursière | P/E | Revenus Année/Année | Marge Nette | ROE | Marge Brute |
|---|---|---|---|---|---|---|
| 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% | · |
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