UPST Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

03
Harga $22.81
Kapitalisasi Pasar (MRQ) $2.22B
P/E (TTM) 43.9
EPS (TTM) $0.52
Pendapatan (TTM) $1.25B
ROE (TTM) 7.9%
Rentang 52M $23–$55

UPST Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

04
rentang
batang

Granularitas batang menyesuaikan dengan periode yang dipilih — arahkan kursor ke bagan untuk melihat buka/tinggi/rendah/tutup untuk sebuah batang.

Tentang Upstart Holdings, Inc. - Common stock Tinjauan perusahaan dari Wikipedia

05 · wikidata

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.

Sumber: Wikipedia (English), CC BY-SA 4.0 · Lihat di Wikipedia ↗

Wikidata ↗

sektorFinancial Services industriFinancial Services karyawan1.405 negaraUS

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

06
Pendapatan$1.04B
2019-12-31 → 2025-12-31
EPS$0.45
2019-12-31 → 2025-12-31
Arus Kas Bebas$-148M
2021-12-31 → 2025-12-31
Margin bersih4.8%
2021-12-31 → 2025-12-31
Valuasi & Rasio 07–12

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik Tren 5 Tahun UPST rata-rata 5T Median Rekan Kesimpulan
P/E (TTM) 43.9rata-rata 5T ≈27.2 ≈27.2 12.0 Terlalu mahal
P/S (TTM) 1.8rata-rata 5T ≈7.2 ≈7.2 1.7 Terlalu mahal
P/B (MRQ) 2.8rata-rata 5T ≈7.5 ≈7.5 4.0 Terlalu mahal
Harga / FCF (TTM) -7.7rata-rata 5T ≈11.6 ≈11.6 · ·
Harga / Arus Kas (TTM) -7.8rata-rata 5T ≈10.7 ≈10.7 · ·
Harga / Nilai Buku Berwujud (MRQ) 2.8rata-rata 5T ≈8.4 ≈8.4 · ·

Median rekan dihitung berdasarkan basis standar per metrik dan mungkin tidak selalu cocok dengan basis TTM/MRQ yang ditampilkan untuk saham ini.

nilai · ≈ rata-rata 5T · median industri · penilaian relatif terhadap median

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

14
Kejutan Rata-rata 16.8%
Laporan Berikutnya Nov 02, 2026
PeriodeLaporanEPS AktualEPS EstimasiKejutan
30 Juni 2026 Agu 3, 2026 $0.57 $0.54 4.6%
31 Maret 2026 $0.30 $0.43 -29.9%
31 Des. 2025 $0.46 $0.47 -2.1%
30 Sep. 2025 $0.52 $0.43 20.9%
30 Juni 2025 $0.36 $0.26 37.9%
31 Maret 2025 $0.30 $0.18 69.5%

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

15
Laporan Laba Rugi 15
Metrik Tren 2025202420232022202120202019
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) 96,030,55889,450,03883,765,89682,771,26878,106,35917,513,67014,335,611
Shares (Diluted) 107,492,73589,450,03883,765,89682,771,26894,772,64117,513,67014,335,611
EBITDA $67M$-152M$-232M$-100M$148M··
Neraca 14
Metrik Tren 2025202420232022202120202019
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 98,033,36193,469,72186,330,30381,259,67683,659,66573,314,02614,561,398
Arus Kas 14
Metrik Tren 2025202420232022202120202019
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··
Profitabilitas 5
Metrik Tren 2025202420232022202120202019
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%··
Likuiditas & Solvabilitas 1
Metrik Tren 2025202420232022202120202019
Interest Coverage ··-7.4-10.543.0··
Efisiensi 1
Metrik Tren 2025202420232022202120202019
Asset Turnover 0.40.30.30.40.7··
Per Saham 5
Metrik Tren 2025202420232022202120202019
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·
Tingkat Pertumbuhan 5
Metrik Tren 2025202420232022202120202019
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%······
Valuasi (TTM) 10
Metrik Tren 2025202420232022202120202019
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 97.2-42.8-14.2-10.1105.8··
P/S 4.19.06.91.314.9··
P/B 5.49.15.61.615.7··
P / Tangible Book 5.910.36.31.817.6··
P / Cash Flow -29.030.9-22.0-1.675.2··
P / FCF -29.031.0-21.8-1.679.1··
Earnings Yield 1.0%-2.3%-7.0%-9.9%0.95%0.00%·

Periode terbaru di sebelah kiri · nilai null ditampilkan sebagai ·

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

16
Metrik 2025-12-312024-12-312023-12-312022-12-312021-12-31
Pendapatan $1.04B $637M $514M $842M $849M
Margin Operasi % 4.1% -27.2% -50.0% -13.5% 16.6%
Laba Bersih $54M $-129M $-240M $-109M $135M
EPS Dilusian $0.45 $-1.44 $-2.87 $-1.31 $1.43

Pemilik institusional (13F) 444 pengaju · $3.1B total · Per tanggal 30 Sep. 2026

17

Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.

Pemegang 444
Nilai yang dipegang $3.1B
Posisi baru 76
Posisi yang keluar 41
Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
Posisi baru Posisi yang keluar Meningkat Menurun Perubahan bersih saham
76 (+13 vs Kuartal sebelumnya) 41 (-52 vs Kuartal sebelumnya) 135 (-12 vs Kuartal sebelumnya) 121 (+8 vs Kuartal sebelumnya) +1.5M

Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.

Institusi Nilai Saham % dari 13F yang dilacak Tipe
VANGUARD GROUP INC $353.061.109 8.073.659 11,52% Saham
BlackRock, Inc. $279.142.942 7.878.717 9,11% Saham
VANGUARD PORTFOLIO MANAGEMENT LLC $132.499.626 3.739.758 4,33% Saham
VANGUARD CAPITAL MANAGEMENT LLC $131.039.733 3.698.553 4,28% Saham
SUSQUEHANNA INTERNATIONAL GROUP, LLP $108.401.628 3.059.600 3,54% Opsi beli
SUSQUEHANNA INTERNATIONAL GROUP, LLP $91.745.985 2.589.500 2,99% Opsi jual
MORGAN STANLEY $85.553.247 2.414.712 2,79% Saham
GOLDMAN SACHS GROUP INC $84.862.705 2.395.222 2,77% Saham
MARSHALL WACE, LLP $83.993.547 2.370.690 2,74% Saham
GEODE CAPITAL MANAGEMENT, LLC $78.974.444 2.228.631 2,58% Saham
STATE STREET CORP $75.057.286 2.118.467 2,45% Saham
Clear Street Group Inc. $64.803.702 1.829.063 2,12% Saham
Halter Ferguson Financial Inc. $61.935.857 1.748.119 2,02% Saham
JANE STREET GROUP, LLC $60.975.030 1.721.000 1,99% Opsi jual
CITADEL ADVISORS LLC $56.985.612 1.608.400 1,86% Opsi beli
BANK OF AMERICA CORP /DE/ $53.582.773 1.512.356 1,75% Saham
UBS Group AG $53.266.738 1.503.436 1,74% Saham
JANE STREET GROUP, LLC $50.643.642 1.429.400 1,65% Opsi beli
WOLVERINE TRADING, LLC $48.088.332 911.800 1,57% Opsi beli
CITIGROUP INC $40.237.213 1.135.682 1,31% Saham
BARCLAYS PLC $39.999.584 1.128.975 1,31% Saham
BAILLIE GIFFORD & CO $38.376.253 1.083.157 1,25% Saham
DIMENSIONAL FUND ADVISORS LP $37.547.436 1.059.769 1,23% Saham
CITADEL ADVISORS LLC $33.856.377 955.585 1,11% Saham
SUSQUEHANNA INTERNATIONAL GROUP, LLP $32.604.564 920.253 1,06% Saham
CITADEL ADVISORS LLC $31.589.388 891.600 1,03% Opsi jual
Point72 Asset Management, L.P. $31.361.183 885.159 1,02% Saham
COATUE MANAGEMENT LLC $30.857.652 870.947 1,01% Saham
CAPITAL FUND MANAGEMENT S.A. $28.379.217 800.994 0,93% Saham
D. E. Shaw & Co., Inc. $28.103.076 793.200 0,92% Opsi beli
NORTHERN TRUST CORP $27.816.163 785.102 0,91% Saham
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $27.113.906 765.281 0,89% Saham
MILLENNIUM MANAGEMENT LLC $27.098.529 764.847 0,88% Saham
FMR LLC $25.033.004 706.548 0,82% Saham
WOLVERINE TRADING, LLC $23.226.696 440.400 0,76% Opsi jual
VANGUARD FIDUCIARY TRUST CO $21.373.396 603.257 0,70% Saham
Balyasny Asset Management L.P. $19.725.971 556.759 0,64% Saham
HSBC HOLDINGS PLC $18.300.044 508.900 0,60% Opsi beli
PEAK6 LLC $16.683.987 470.900 0,54% Opsi jual
Walleye Capital LLC $15.912.711 449.131 0,52% Saham
FIRST TRUST ADVISORS LP $13.429.954 379.056 0,44% Saham
D. E. Shaw & Co., Inc. $12.832.746 362.200 0,42% Opsi jual
Pathstone Holdings, LLC $11.878.899 335.278 0,39% Saham
Squarepoint Ops LLC $11.695.939 330.114 0,38% Saham
FRED ALGER MANAGEMENT, LLC $10.746.805 303.325 0,35% Saham
Hidden Lake Asset Management LP $9.977.584 281.614 0,33% Saham
Bank of New York Mellon Corp $9.681.085 273.245 0,32% Saham
Nuveen, LLC $9.514.621 268.547 0,31% Saham
Caption Management, LLC $8.857.500 250.000 0,29% Opsi beli
Alberta Investment Management Corp $8.460.684 238.800 0,28% Saham

Tampilkan semua 444 pemilik institusional →

Orang dalam perusahaan 16 orang dalam · 7 pejabat · 10 direktur

19
Orang Dalam Peran Aktivitas terakhir Saham dimiliki Beli 12m Jual 12m Bersih 12m
Paul Gu Chief Executive Officer 10 Sep. 2026 P 130.000 4 0 $6.575.300
Andrea Blankmeyer Chief Financial Officer 19 Agu 2026 S 152.208 0 5 $-507.363
Sanjay Datta President, Capital& Enterprise 8 Sep. 2026 M 476.578 0 11 $-5.267.388
Natalia Mirgorodskaya Chief Accounting Officer and Controller 25 Agu 2026 S 35.875 0 10 $-200.965
Scott Darling Chief Legal Officer 20 Agu 2026 S 73.306 0 12 $-1.414.721
Alison Nicoll General Counsel and Secretary 24 Juni 2022 M 412.983 0 0 $0
Anna M. Counselman SVP, People and Operations 20 Feb. 2022 A 19.143 0 0 $0
Peter J Bernard Direktur 29 Mei 2026 A 11.392 0 0 $0
Ciaran O'Kelly Direktur 29 Mei 2026 A 39.484 0 0 $0
Mary Hentges Direktur 29 Mei 2026 A 37.149 0 0 $0
Kerry Whorton Cooper Direktur 29 Mei 2026 A 6.476 0 1 $-75.000
Hilliard C. Terry III Direktur 29 Mei 2026 A 37.432 0 0 $0
Timothy H Wennes Direktur 29 Mei 2026 A 6.476 0 0 $0
Dave Girouard Direktur 7 Mei 2026 M 9.348.016 2 0 $5.000.066
Jeff Huber Direktur 27 Mei 2025 A 29.671 0 0 $0
Cassidy Sukhinder Singh Direktur 2 Des. 2024 M 8.278 0 0 $0

Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka

Kepemilikan ETF Dimiliki oleh 32 ETF

20

Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.

Dana Bobot Unit Per tanggal Sumber
FYC · First Trust Exchange-Traded AlphaDE… 0,31% 145.809 NS 31 Juli 2026 N-PORT
VTWG · VANGUARD SCOTTSDALE FUNDS 0,18% 91.282 SH 19 Agu 2026 Harian
IWO · iShares Trust 0,14% 811.069 SH 11 Sep. 2026 Harian
BKSE · BNY Mellon ETF Trust 0,10% 3.228 NS 31 Juli 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0,09% 492.357 SH 19 Agu 2026 Harian
BBSC · J.P. Morgan Exchange-Traded Fund Tr… 0,09% 22.603 NS 31 Juli 2026 N-PORT
VBK · VANGUARD INDEX FUNDS 0,08% 1.070.193 SH 19 Agu 2026 Harian
RSSL · Global X Funds 0,08% 40.971 NS 31 Juli 2026 N-PORT
ISCG · iShares Trust 0,07% 27.161 SH 11 Sep. 2026 Harian
IWM · iShares Trust 0,07% 2.197.618 SH 11 Sep. 2026 Harian
PRFZ · Invesco Exchange-Traded Fund Trust 0,07% 76.982 SH 2 Okt. 2026 Harian
FAD · First Trust Exchange-Traded AlphaDE… 0,06% 13.210 NS 31 Juli 2026 N-PORT
FYX · First Trust Exchange-Traded AlphaDE… 0,05% 24.621 NS 31 Juli 2026 N-PORT
DFAS · Dimensional ETF Trust 0,05% 268.504 NS 31 Juli 2026 N-PORT
ESML · iShares Trust 0,04% 48.843 SH 11 Sep. 2026 Harian
OMFS · Invesco Exchange-Traded Self-Indexe… 0,04% 4.211 SH 2 Okt. 2026 Harian
VXF · VANGUARD INDEX FUNDS 0,03% 967.149 SH 19 Agu 2026 Harian
VB · VANGUARD INDEX FUNDS 0,03% 1.859.762 SH 19 Agu 2026 Harian
VFH · VANGUARD WORLD FUND 0,03% 135.095 SH 19 Agu 2026 Harian
FNCL · FIDELITY COVINGTON TRUST 0,03% 21.806 NS 31 Juli 2026 N-PORT
WSML · iShares Trust 0,02% 5.107 SH 11 Sep. 2026 Harian
TECB · iShares Trust 0,01% 2.672 SH 11 Sep. 2026 Harian
ESGV · VANGUARD WORLD FUND 0,01% 18.892 SH 19 Agu 2026 Harian
ITOT · iShares Trust 0,00% 122.084 SH 11 Sep. 2026 Harian
IWV · iShares Trust 0,00% 23.327 SH 11 Sep. 2026 Harian
DCOR · Dimensional ETF Trust 0,00% 1.194 NS 31 Juli 2026 N-PORT
DFAC · Dimensional ETF Trust 0,00% 16.131 NS 31 Juli 2026 N-PORT
TILT · FlexShares Trust 0,00% 316 NS 31 Juli 2026 N-PORT
VTI · VANGUARD INDEX FUNDS 0,00% 2.576.682 SH 19 Agu 2026 Harian
VT · VANGUARD INTERNATIONAL EQUITY INDEX… 0,00% 70.548 SH 19 Agu 2026 Harian
VTHR · VANGUARD SCOTTSDALE FUNDS 0,00% 7.204 SH 19 Agu 2026 Harian
ISCB · iShares Trust · 3.904 SH 11 Sep. 2026 Harian

UPST Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

21
peringkat · 21 analis BELI
Target median $39.50 +73,2%
4 19,0% Beli Kuat
9 42,9% Beli
7 33,3% Tahan
1 4,8% Jual
0 0,0% Jual Kuat

Target Harga 12 Bulan

16 analis · 2026-10-01

Target rata-rata $40.00 +75,4%

Sekarang Harga saat ini $22.81
Rendah$20.00 Rata-rata$40.00 Tinggi$61.00

Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor

22

Dasar FY, harga per penutupan akhir tahun fiskal terakhir setiap perusahaan.

Ticker Kapitalisasi Pasar P/E Pendapatan YoY Margin Bersih ROE Margin Kotor
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% ·

Berita Terbaru Berita utama terbaru yang menyebutkan perusahaan ini

23

Metrik Saya Daftar pantauan pribadi Anda — baris yang dipilih dari Fundamental Lengkap

26

Pilih metrik yang penting bagi Anda — klik + di sebelah baris mana pun di Fundamental Lengkap di atas.

Pilihan Anda disimpan dan mengikuti Anda di semua ticker.

Sumber: SEC 10-Q/A diajukan Agu 5, 2026