UPST Upstart Holdings, Inc. - Common stock
Tentang Upstart Holdings, Inc. - Common stock Tinjauan perusahaan dari 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.
Baca selengkapnya
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 ↗
UPST Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu
UPST Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda
Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS
Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?
Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC
Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca
Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T
Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang
UPST Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan
- Beli Kuat 4 19,0%
- Beli 9 42,9%
- Tahan 7 33,3%
- Jual 1 4,8%
- Jual Kuat 0 0,0%
Target Harga 12 Bulan
15 analis · 2026-08-13Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya
| Periode | EPS Aktual | EPS Estimasi | Kejutan |
|---|---|---|---|
| 30 Juni 2026 | $0.57 | $0.54 | 0.03% |
| 31 Maret 2026 | $0.30 | $0.43 | -0.13% |
| 31 Des. 2025 | $0.46 | $0.47 | -0.01% |
| 30 Sep. 2025 | $0.52 | $0.43 | 0.09% |
| 30 Juni 2025 | $0.36 | $0.26 | 0.10% |
| 31 Maret 2025 | $0.30 | $0.18 | 0.12% |
Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor
| Ticker | Kapitalisasi Pasar | P/E | Pendapatan YoY | Margin Bersih | ROE | Margin Kotor |
|---|---|---|---|---|---|---|
| UPST | $4.29B | 97.2 | 64.0% | 5.1% | 7.0% | — |
| CACC | $4.74B | 12.2 | 7.2% | 18.3% | 27.5% | — |
| SLM | $5.39B | 7.8 | 7.3% | 37.5% | 30.9% | — |
| NNI | — | 11.3 | 21.1% | 120.9% | 12.2% | — |
| DAVE | — | — | — | — | — | — |
| BFH | $3.26B | 6.8 | — | 12.8% | 16.0% | — |
| ECPG | $1.18B | 5.0 | 34.4% | 14.5% | 27.4% | — |
| HAPN | — | — | — | — | — | — |
| EZPW | $1.16B | 13.4 | 9.7% | 8.6% | 11.7% | 58.6% |
| PRG | $2.42B | 8.2 | 0.42% | 6.1% | 20.8% | — |
| ATLC | — | — | — | — | — | — |
Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas
Laporan Laba Rugi 15
| Metrik | Tren | 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 | · | · |
Neraca 14
| Metrik | Tren | 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 |
Arus Kas 14
| Metrik | Tren | 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 | · | · |
Profitabilitas 5
| Metrik | Tren | 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% | · | · |
Likuiditas & Solvabilitas 1
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -7.4 | -10.5 | 43.0 | · | · |
Efisiensi 1
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.4 | 0.7 | · | · |
Tingkat Pertumbuhan 5
| Metrik | Tren | 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% | · | · | · | · | · | · |
Valuasi (TTM) 10
| Metrik | Tren | 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% | · |
Laporan Laba Rugi 15
| Metrik | Tren | 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 | -190,453,118 | 96,682,774 | 95,526,364 | 94,274,538 | -176,136,031 | 90,119,481 | 88,435,893 | 87,030,695 | -165,681,141 | 84,404,966 | 83,130,638 | 81,911,433 | -166,965,239 | 81,672,099 | |
| Shares (Diluted) | 109,720,846 | 96,901,974 | -199,358,756 | 109,724,669 | 102,852,284 | 94,274,538 | -176,136,031 | 90,119,481 | 88,435,893 | 87,030,695 | -165,681,141 | 84,404,966 | 83,130,638 | 81,911,433 | -178,192,570 | 81,672,099 | |
| EBITDA | · | $-2M | · | $24M | $5M | $2M | · | $-45M | $-55M | $-62M | · | $-44M | $-33M | $-125M | · | $-58M |
Neraca 14
| Metrik | Tren | 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 |
Arus Kas 13
| Metrik | Tren | 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 | · | · |
Profitabilitas 5
| Metrik | Tren | 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% |
Likuiditas & Solvabilitas 1
| Metrik | Tren | 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 |
Efisiensi 1
| Metrik | Tren | 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 |
Valuasi (TTM) 10
| Metrik | Tren | 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 | $1.06B | · | $910M | $760M | $631M | · | $552M | $526M | $501M | · | $530M | $624M | $798M | · | $924M | |
| Net Income TTM | $47M | $28M | · | $28M | $-58M | $-128M | · | $-166M | $-188M | $-262M | · | $-254M | $-244M | $-183M | · | $-24M | |
| 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 | 142.5 | · | 282.2 | -96.5 | -31.5 | · | -20.9 | -10.8 | -8.6 | · | -9.2 | -12.1 | -6.9 | · | -50.7 | |
| P/S | · | 2.3 | · | 5.4 | 8.2 | 6.9 | · | 6.6 | 4.0 | 4.7 | · | 4.6 | 4.8 | 1.6 | · | 1.8 | |
| 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 | · | · | |
| P / FCF | · | -18.0 | · | · | · | -324.5 | · | · | · | 45.5 | · | · | · | -17.1 | · | · | |
| Earnings Yield | 1.0% | 0.70% | · | 0.35% | -1.0% | -3.2% | · | -4.8% | -9.2% | -11.7% | · | -10.8% | -8.3% | -14.4% | · | -2.0% |
Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir
Laporan Laba Rugi
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 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 |
Arus Kas
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Arus Kas Bebas | $-148M | $185M | $-162M | $-684M | $160M |
Berita Terbaru Berita utama terbaru yang menyebutkan perusahaan ini
- Upstart vs. Pagaya Technologies: Which Financial Stock Is a Better Buy in 2026?
- Turun 39%, Apakah Ini Akhirnya Waktu untuk Membeli Saham Upstart?
- Mengapa Saham Upstart Menghancur, dan Apakah Ini Kesempatan Membeli?
- Mengapa Saham Upstart Melonjak 23% di April
- Apakah Saham Upstart Layak Dibeli Setelah Dana Lindung Nilai Halter Ferguson Membeli Saham Senilai $37 Juta?
- SoFi Technologies vs. Upstart: Mana Fintech Stock Mana yang Lebih Baik untuk Pembelian Jangka Panjang?
- Apakah Saham Upstart Bisa Menjadikan Jutawan?
- Apakah Saham Fintech Ini Akhirnya Berbalik Menuju Profitabilitas?
Metrik Saya Daftar pantauan pribadi Anda — baris yang dipilih dari Fundamental Lengkap
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.
Pemilik institusional (13F) 449 pengaju · $2.0B total · Per tanggal 30 Juni 2026
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.
| Posisi baru | Posisi yang keluar | Meningkat | Menurun | Perubahan bersih saham |
|---|---|---|---|---|
| 82 (+21 vs Kuartal sebelumnya) | 39 (-54 vs Kuartal sebelumnya) | 125 (-25 vs Kuartal sebelumnya) | 120 (+14 vs Kuartal sebelumnya) | -1.2M |
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 PORTFOLIO MANAGEMENT LLC | $132.499.626 | 3.739.758 | 6,64% | Saham |
| VANGUARD CAPITAL MANAGEMENT LLC | $131.039.733 | 3.698.553 | 6,56% | Saham |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $108.401.628 | 3.059.600 | 5,43% | Opsi beli |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $91.745.985 | 2.589.500 | 4,60% | Opsi jual |
| STATE STREET CORP | $75.057.286 | 2.118.467 | 3,76% | Saham |
| GEODE CAPITAL MANAGEMENT, LLC | $67.789.016 | 1.912.926 | 3,40% | Saham |
| Clear Street Group Inc. | $64.803.702 | 1.829.063 | 3,25% | Saham |
| MORGAN STANLEY | $62.775.724 | 1.771.824 | 3,14% | Saham |
| Halter Ferguson Financial Inc. | $61.935.857 | 1.748.119 | 3,10% | Saham |
| JANE STREET GROUP, LLC | $60.975.030 | 1.721.000 | 3,05% | Opsi jual |
| GOLDMAN SACHS GROUP INC | $60.860.616 | 1.717.771 | 3,05% | Saham |
| CITADEL ADVISORS LLC | $56.985.612 | 1.608.400 | 2,85% | Opsi beli |
| JANE STREET GROUP, LLC | $50.643.642 | 1.429.400 | 2,54% | Opsi beli |
| WOLVERINE TRADING, LLC | $48.088.332 | 911.800 | 2,41% | Opsi beli |
| BARCLAYS PLC | $39.716.285 | 1.120.979 | 1,99% | Saham |
| DIMENSIONAL FUND ADVISORS LP | $37.085.963 | 1.046.739 | 1,86% | Saham |
| CITADEL ADVISORS LLC | $33.856.377 | 955.585 | 1,70% | Saham |
| CITADEL ADVISORS LLC | $31.589.388 | 891.600 | 1,58% | Opsi jual |
| Point72 Asset Management, L.P. | $31.361.183 | 885.159 | 1,57% | Saham |
| COATUE MANAGEMENT LLC | $30.857.652 | 870.947 | 1,55% | Saham |
| BANK OF AMERICA CORP /DE/ | $28.394.240 | 801.418 | 1,42% | Saham |
| CAPITAL FUND MANAGEMENT S.A. | $28.379.217 | 800.994 | 1,42% | Saham |
| D. E. Shaw & Co., Inc. | $28.103.076 | 793.200 | 1,41% | Opsi beli |
| MILLENNIUM MANAGEMENT LLC | $27.098.529 | 764.847 | 1,36% | Saham |
| FMR LLC | $24.902.436 | 702.863 | 1,25% | Saham |
| WOLVERINE TRADING, LLC | $23.226.696 | 440.400 | 1,16% | Opsi jual |
| VANGUARD FIDUCIARY TRUST CO | $21.373.396 | 603.257 | 1,07% | Saham |
| Balyasny Asset Management L.P. | $19.725.971 | 556.759 | 0,99% | Saham |
| HSBC HOLDINGS PLC | $18.300.044 | 508.900 | 0,92% | Opsi beli |
| PEAK6 LLC | $16.683.987 | 470.900 | 0,84% | Opsi jual |
| Walleye Capital LLC | $15.912.711 | 449.131 | 0,80% | Saham |
| FIRST TRUST ADVISORS LP | $13.429.954 | 379.056 | 0,67% | Saham |
| D. E. Shaw & Co., Inc. | $12.832.746 | 362.200 | 0,64% | Opsi jual |
| MARSHALL WACE, LLP | $12.005.527 | 338.852 | 0,60% | Saham |
| Pathstone Holdings, LLC | $11.878.899 | 335.278 | 0,59% | Saham |
| Squarepoint Ops LLC | $11.695.939 | 330.114 | 0,59% | Saham |
| BAILLIE GIFFORD & CO | $9.984.245 | 281.802 | 0,50% | Saham |
| Hidden Lake Asset Management LP | $9.977.584 | 281.614 | 0,50% | Saham |
| BlackRock, Inc. | $9.281.597 | 261.970 | 0,46% | Saham |
| Caption Management, LLC | $8.857.500 | 250.000 | 0,44% | Opsi beli |
| Alberta Investment Management Corp | $8.460.684 | 238.800 | 0,42% | Saham |
| BNP PARIBAS FINANCIAL MARKETS | $8.382.171 | 236.584 | 0,42% | Saham |
| Point72 Asset Management, L.P. | $8.219.760 | 232.000 | 0,41% | Opsi beli |
| Cubist Systematic Strategies, LLC | $7.371.080 | 145.100 | 0,37% | Opsi beli |
| HSBC HOLDINGS PLC | $7.191.209 | 199.978 | 0,36% | Saham |
| Walleye Trading LLC | $7.039.941 | 198.700 | 0,35% | Opsi jual |
| IMC-Chicago, LLC | $6.874.873 | 194.041 | 0,34% | Saham |
| BARCLAYS PLC | $6.377.400 | 180.000 | 0,32% | Opsi jual |
| Swiss National Bank | $5.902.638 | 166.600 | 0,30% | Saham |
| Gator Capital Management, LLC | $5.721.591 | 161.490 | 0,29% | Saham |
| Quantinno Capital Management LP | $5.293.796 | 149.415 | 0,27% | Saham |
| Squarepoint Ops LLC | $5.261.355 | 148.500 | 0,26% | Opsi jual |
| Walleye Trading LLC | $5.162.151 | 145.700 | 0,26% | Opsi beli |
| CREDIT AGRICOLE S A | $5.033.717 | 142.075 | 0,25% | Saham |
| LPL Financial LLC | $5.018.249 | 141.638 | 0,25% | Saham |
| AXA Investment Managers S.A. | $4.686.097 | 92.246 | 0,23% | Saham |
| PEAK6 LLC | $4.382.691 | 123.700 | 0,22% | Opsi beli |
| BANK OF NOVA SCOTIA | $4.247.846 | 119.894 | 0,21% | Saham |
| Clear Street Group Inc. | $4.233.885 | 119.500 | 0,21% | Opsi jual |
| TUDOR INVESTMENT CORP ET AL | $4.170.111 | 117.700 | 0,21% | Opsi beli |
| Cubist Systematic Strategies, LLC | $4.155.440 | 81.800 | 0,21% | Opsi jual |
| Schonfeld Strategic Advisors LLC | $4.073.563 | 114.975 | 0,20% | Saham |
| Headlands Technologies LLC | $4.014.219 | 113.300 | 0,20% | Saham |
| Nebula Research & Development LLC | $3.925.365 | 60.689 | 0,20% | Saham |
| RHUMBLINE ADVISERS | $3.915.354 | 110.510 | 0,20% | Saham |
| MML INVESTORS SERVICES, LLC | $3.789.770 | 106.965 | 0,19% | Saham |
| Squarepoint Ops LLC | $3.741.408 | 105.600 | 0,19% | Opsi beli |
| CAPITAL FUND MANAGEMENT S.A. | $3.663.462 | 103.400 | 0,18% | Opsi beli |
| BLUE JEAN FINANCIAL LLC | $3.651.026 | 103.049 | 0,18% | Saham |
| Walleye Trading LLC | $3.611.238 | 101.926 | 0,18% | Saham |
| NOMURA HOLDINGS INC | $3.543.000 | 100.000 | 0,18% | Opsi beli |
| NORGES BANK | $3.328.967 | 93.959 | 0,17% | Saham |
| Banco Santander, S.A. | $3.269.480 | 92.280 | 0,16% | Saham |
| VANGUARD ASSET MANAGEMENT, Ltd | $3.081.949 | 86.987 | 0,15% | Saham |
| Bank of New York Mellon Corp | $3.049.992 | 86.085 | 0,15% | Saham |
| Bank Julius Baer & Co. Ltd, Zurich | $3.028.531 | 85.480 | 0,15% | Saham |
| MILLENNIUM MANAGEMENT LLC | $2.922.975 | 82.500 | 0,15% | Opsi jual |
| Edgestream Partners, L.P. | $2.910.433 | 82.146 | 0,15% | Saham |
| Odyssean, LLC | $2.848.324 | 80.393 | 0,14% | Saham |
| Trexquant Investment LP | $2.825.153 | 79.739 | 0,14% | Saham |
| Private Advisor Group, LLC | $2.736.488 | 77.236 | 0,14% | Saham |
| Brevan Howard Capital Management LP | $2.724.850 | 76.908 | 0,14% | Saham |
| Quadrature Capital Ltd | $2.704.797 | 76.342 | 0,14% | Saham |
| ExodusPoint Capital Management, LP | $2.677.764 | 75.579 | 0,13% | Saham |
| Jefferies Financial Group Inc. | $2.657.250 | 75.000 | 0,13% | Opsi beli |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $2.631.032 | 74.260 | 0,13% | Saham |
| Jefferies Financial Group Inc. | $2.593.689 | 73.206 | 0,13% | Saham |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $2.582.775 | 100.693 | 0,13% | Saham |
| PEAK6 LLC | $2.581.820 | 72.871 | 0,13% | Saham |
| ALLIANCEBERNSTEIN L.P. | $2.565.180 | 100.007 | 0,13% | Saham |
| Tyler-Stone Wealth Management | $2.563.526 | 39.634 | 0,13% | Saham |
| Centiva Capital, LP | $2.494.272 | 70.400 | 0,12% | Opsi jual |
| Divisadero Street Capital Management, LP | $2.390.143 | 67.461 | 0,12% | Saham |
| CenterBook Partners LP | $2.385.077 | 67.318 | 0,12% | Saham |
| Point72 Asset Management, L.P. | $2.352.552 | 66.400 | 0,12% | Opsi jual |
| Aquatic Capital Management LLC | $2.286.829 | 64.545 | 0,11% | Saham |
| Manchester Capital Management LLC | $2.234.641 | 63.072 | 0,11% | Saham |
| SANDLER CAPITAL MANAGEMENT | $2.193.117 | 61.900 | 0,11% | Opsi jual |
| Man Group plc | $2.169.698 | 61.239 | 0,11% | Saham |
| Parallax Volatility Advisers, L.P. | $2.125.800 | 60.000 | 0,11% | Opsi beli |
Orang dalam perusahaan 14 orang dalam · 6 pejabat · 9 direktur
| Orang Dalam | Peran | Aktivitas terakhir | Saham dimiliki | Beli 12m | Jual 12m | Bersih 12m |
|---|---|---|---|---|---|---|
| Dave Girouard | Chief Executive Officer | 1 Okt. 2021 S | 987.502 | 0 | 0 | $0 |
| Sanjay Datta | President, Capital& Enterprise | 9 Juni 2026 S | 313.556 | 0 | 1 | $-456.116 |
| Alison Nicoll | General Counsel | 20 Okt. 2021 M | 14.230 | 0 | 0 | $0 |
| Paul Gu | SVP, Product and Data Science | 15 Okt. 2021 M | 277.412 | 0 | 0 | $0 |
| Natalia Mirgorodskaya | Corporate Controller | 31 Agu 2021 S | 23.007 | 0 | 0 | $0 |
| Anna M. Counselman | SVP, People and Operations | 19 Agu 2021 M | 12.230 | 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 | 0 | $0 |
| 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 |
| Cassidy Sukhinder Singh | Direktur | 27 Mei 2021 A | 1.491 | 0 | 0 | $0 |
| Jeff Huber | — | 23 Juni 2021 A | 1.234 | 0 | 0 | $0 |
Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka
Kepemilikan ETF Dimiliki oleh 46 ETF
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 |
|---|---|---|---|---|
| FINX · Global X Funds | 0,59% | 33.960 NS | 31 Mei 2026 | N-PORT |
| TMFX · RBB Fund, Inc. | 0,16% | 1.525 NS | 31 Mei 2026 | N-PORT |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,14% | 32.077 NS | 30 April 2026 | N-PORT |
| FYC · First Trust Exchange-Traded AlphaDE… | 0,13% | 44.668 NS | 30 April 2026 | N-PORT |
| BKSE · BNY Mellon ETF Trust | 0,12% | 3.094 NS | 30 April 2026 | N-PORT |
| RSSL · Global X Funds | 0,08% | 37.413 NS | 30 April 2026 | N-PORT |
| ITWO · ProShares Trust | 0,07% | 4.056 NS | 31 Mei 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,07% | 301.103 NS | 30 April 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0,06% | 416.495 NS | 31 Mei 2026 | N-PORT |
| UWM · ProShares Trust | 0,04% | 3.172 NS | 31 Mei 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0,03% | 23.558 NS | 30 April 2026 | N-PORT |
| URTY · ProShares Trust | 0,03% | 3.210 NS | 31 Mei 2026 | N-PORT |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,03% | 4.164 NS | 30 April 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0,01% | 3.306 NS | 31 Mei 2026 | N-PORT |
| HDG · ProShares Trust | 0,01% | 81 NS | 31 Mei 2026 | N-PORT |
| ONEQ · Fidelity Commonwealth Trust | 0,01% | 22.940 NS | 31 Mei 2026 | N-PORT |
| TILT · FlexShares Trust | 0,01% | 3.893 NS | 30 April 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0,00% | 53.173 NS | 31 Mei 2026 | N-PORT |
| SCHK · SCHWAB STRATEGIC TRUST | 0,00% | 6.771 NS | 31 Mei 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0,00% | 1.194 NS | 30 April 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 16.131 NS | 30 April 2026 | N-PORT |
| AVUQ · AMERICAN CENTURY ETF TRUST | 0,00% | 36 NS | 31 Mei 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0,00% | 297 NS | 30 April 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0,00% | 747 NS | 30 April 2026 | N-PORT |
| EBI · RBB Fund Trust | 0,00% | 3 NS | 31 Mei 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | 15 Juli 2026 | Harian |
| VB · VANGUARD INDEX FUNDS | — | — | 15 Juli 2026 | Harian |
| VBK · VANGUARD INDEX FUNDS | — | — | 15 Juli 2026 | Harian |
| VTI · VANGUARD INDEX FUNDS | — | — | 15 Juli 2026 | Harian |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | — | — | 15 Juli 2026 | Harian |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | 15 Juli 2026 | Harian |
| VTWG · VANGUARD SCOTTSDALE FUNDS | — | — | 15 Juli 2026 | Harian |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | 15 Juli 2026 | Harian |
| ITOT · iShares Trust | — | — | 5 Agu 2026 | Harian |
| IWV · iShares Trust | — | — | 18 Agu 2026 | Harian |
| IWO · iShares Trust | — | — | 18 Agu 2026 | Harian |
| IWM · iShares Trust | — | — | 18 Agu 2026 | Harian |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | 23 Juli 2026 | Harian |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | 13 Juli 2026 | Harian |
| VFH · VANGUARD WORLD FUND | — | — | 20 Juli 2026 | Harian |
| ESGV · VANGUARD WORLD FUND | — | — | 30 Juli 2026 | Harian |
| ISCB · iShares Trust | — | — | 5 Agu 2026 | Harian |
| ISCG · iShares Trust | — | — | 5 Agu 2026 | Harian |
| ESML · iShares Trust | — | — | 14 Agu 2026 | Harian |
| TECB · iShares Trust | — | — | 5 Agu 2026 | Harian |
| WSML · iShares Trust | — | — | 5 Agu 2026 | Harian |