UPST Upstart Holdings, Inc. - Common stock
Informazioni su Upstart Holdings, Inc. - Common stock Panoramica della società da 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.
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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.
Fonte: Wikipedia (Inglese), CC BY-SA 4.0 · Vedi su Wikipedia ↗
UPST Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane
UPST Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione
Performance decennale Andamento di ricavi, utile netto, margini e EPS
Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?
Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC
Salute finanziaria Debito, liquidità, solvibilità — solidità del bilancio
Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y
Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti
UPST Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo
- Acquisto forte 4 19,0%
- Compra 9 42,9%
- Mantieni 7 33,3%
- Vendi 1 4,8%
- Vendita forte 0 0,0%
Target Price a 12 Mesi
15 analisti · 2026-08-13Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili
| Periodo | EPS Actual | EPS Stimato | Sorpresa |
|---|---|---|---|
| 30 Giugno 2026 | $0.57 | $0.54 | 0.03% |
| 31 Marzo 2026 | $0.30 | $0.43 | -0.13% |
| 31 Dicembre 2025 | $0.46 | $0.47 | -0.01% |
| 30 Settembre 2025 | $0.52 | $0.43 | 0.09% |
| 30 Giugno 2025 | $0.36 | $0.26 | 0.10% |
| 31 Marzo 2025 | $0.30 | $0.18 | 0.12% |
Confronto Peer (GICS sub-settore industriale) Metriche chiave rispetto ai pari del settore
| Ticker | Capitalizzazione di Mercato | P/E | Rev YoY | Margine Netto | ROE | Margine lordo |
|---|---|---|---|---|---|---|
| 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 | — | — | — | — | — | — |
Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario
Conto Economico 15
| Metrica | Tendenza | 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 | · | · |
Stato Patrimoniale 14
| Metrica | Tendenza | 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 |
Flusso di cassa 14
| Metrica | Tendenza | 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 | · | · |
Redditività 5
| Metrica | Tendenza | 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% | · | · |
Liquidità e Solvibilità 1
| Metrica | Tendenza | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -7.4 | -10.5 | 43.0 | · | · |
Efficienza 1
| Metrica | Tendenza | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.4 | 0.7 | · | · |
Tassi di Crescita 5
| Metrica | Tendenza | 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% | · | · | · | · | · | · |
Valutazione (TTM) 10
| Metrica | Tendenza | 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% | · |
Conto Economico 15
| Metrica | Tendenza | 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 |
Stato Patrimoniale 14
| Metrica | Tendenza | 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 |
Flusso di cassa 13
| Metrica | Tendenza | 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 | · | · |
Redditività 5
| Metrica | Tendenza | 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% |
Liquidità e Solvibilità 1
| Metrica | Tendenza | 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 |
Efficienza 1
| Metrica | Tendenza | 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 |
Valutazione (TTM) 10
| Metrica | Tendenza | 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% |
Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni
Conto Economico
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Ricavi | $1.04B | $637M | $514M | $842M | $849M |
| Margine Operativo % | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% |
| Utile netto | $54M | $-129M | $-240M | $-109M | $135M |
| EPS Diluito | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 |
Flusso di cassa
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Flusso di cassa libero | $-148M | $185M | $-162M | $-684M | $160M |
Ultime notizie Notizie recenti che menzionano questa società
- Upstart vs. Pagaya Technologies: Which Financial Stock Is a Better Buy in 2026?
- Giù del 39%, è finalmente ora di comprare azioni Upstart?
- Perché il titolo Upstart sta crollando e si tratta di un'opportunità di acquisto?
- Perché le azioni Upstart sono balzate del 23% in aprile
- È un acquisto il titolo Upstart dopo che il fondo di hedge Halter Ferguson ha acquistato azioni del valore di 37 milioni di dollari?
- SoFi Technologies vs. Upstart: Quale azione fintech è il miglior acquisto a lungo termine?
- Le azioni Upstart possono creare milionari?
- Questa azione fintech sta finalmente cambiando rotta verso la redditività?
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Proprietari istituzionali (13F) 449 filer · $2.0B totale · Aggiornato al 30 Giugno 2026
Istituzioni che segnalano il possesso di questo titolo nel loro Modulo SEC 13F trimestrale. Solo posizioni lunghe; un singolo depositante può apparire due volte per diverse gambe di opzioni. Grandi posizioni put/call contrapposte riflettono tipicamente market-making o inventario coperto, non convinzione direzionale.
| Nuove posizioni | Posizioni chiuse | Aumentato | Diminuito | Variazione netta delle azioni |
|---|---|---|---|---|
| 82 (+21 vs trimestre precedente) | 39 (-54 vs trimestre precedente) | 125 (-25 vs trimestre precedente) | 120 (+14 vs trimestre precedente) | -1.2M |
Confrontato con Q1 2026. Le dichiarazioni SEC Form 13F sono dovute entro 45 giorni dalla fine del trimestre più un breve margine per i dichiaranti in ritardo — i trimestri ancora all'interno di questa finestra vengono saltati a favore della coppia più recente completamente riportata.
| Istituzione | Valore | Azioni | % di 13F tracciati | Tipo |
|---|---|---|---|---|
| VANGUARD PORTFOLIO MANAGEMENT LLC | $132.499.626 | 3.739.758 | 6,64% | Azioni |
| VANGUARD CAPITAL MANAGEMENT LLC | $131.039.733 | 3.698.553 | 6,56% | Azioni |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $108.401.628 | 3.059.600 | 5,43% | Opzione Call |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $91.745.985 | 2.589.500 | 4,60% | Opzione Put |
| STATE STREET CORP | $75.057.286 | 2.118.467 | 3,76% | Azioni |
| GEODE CAPITAL MANAGEMENT, LLC | $67.789.016 | 1.912.926 | 3,40% | Azioni |
| Clear Street Group Inc. | $64.803.702 | 1.829.063 | 3,25% | Azioni |
| MORGAN STANLEY | $62.775.724 | 1.771.824 | 3,14% | Azioni |
| Halter Ferguson Financial Inc. | $61.935.857 | 1.748.119 | 3,10% | Azioni |
| JANE STREET GROUP, LLC | $60.975.030 | 1.721.000 | 3,05% | Opzione Put |
| GOLDMAN SACHS GROUP INC | $60.860.616 | 1.717.771 | 3,05% | Azioni |
| CITADEL ADVISORS LLC | $56.985.612 | 1.608.400 | 2,85% | Opzione Call |
| JANE STREET GROUP, LLC | $50.643.642 | 1.429.400 | 2,54% | Opzione Call |
| WOLVERINE TRADING, LLC | $48.088.332 | 911.800 | 2,41% | Opzione Call |
| BARCLAYS PLC | $39.716.285 | 1.120.979 | 1,99% | Azioni |
| DIMENSIONAL FUND ADVISORS LP | $37.085.963 | 1.046.739 | 1,86% | Azioni |
| CITADEL ADVISORS LLC | $33.856.377 | 955.585 | 1,70% | Azioni |
| CITADEL ADVISORS LLC | $31.589.388 | 891.600 | 1,58% | Opzione Put |
| Point72 Asset Management, L.P. | $31.361.183 | 885.159 | 1,57% | Azioni |
| COATUE MANAGEMENT LLC | $30.857.652 | 870.947 | 1,55% | Azioni |
| BANK OF AMERICA CORP /DE/ | $28.394.240 | 801.418 | 1,42% | Azioni |
| CAPITAL FUND MANAGEMENT S.A. | $28.379.217 | 800.994 | 1,42% | Azioni |
| D. E. Shaw & Co., Inc. | $28.103.076 | 793.200 | 1,41% | Opzione Call |
| MILLENNIUM MANAGEMENT LLC | $27.098.529 | 764.847 | 1,36% | Azioni |
| FMR LLC | $24.902.436 | 702.863 | 1,25% | Azioni |
| WOLVERINE TRADING, LLC | $23.226.696 | 440.400 | 1,16% | Opzione Put |
| VANGUARD FIDUCIARY TRUST CO | $21.373.396 | 603.257 | 1,07% | Azioni |
| Balyasny Asset Management L.P. | $19.725.971 | 556.759 | 0,99% | Azioni |
| HSBC HOLDINGS PLC | $18.300.044 | 508.900 | 0,92% | Opzione Call |
| PEAK6 LLC | $16.683.987 | 470.900 | 0,84% | Opzione Put |
| Walleye Capital LLC | $15.912.711 | 449.131 | 0,80% | Azioni |
| FIRST TRUST ADVISORS LP | $13.429.954 | 379.056 | 0,67% | Azioni |
| D. E. Shaw & Co., Inc. | $12.832.746 | 362.200 | 0,64% | Opzione Put |
| MARSHALL WACE, LLP | $12.005.527 | 338.852 | 0,60% | Azioni |
| Pathstone Holdings, LLC | $11.878.899 | 335.278 | 0,59% | Azioni |
| Squarepoint Ops LLC | $11.695.939 | 330.114 | 0,59% | Azioni |
| BAILLIE GIFFORD & CO | $9.984.245 | 281.802 | 0,50% | Azioni |
| Hidden Lake Asset Management LP | $9.977.584 | 281.614 | 0,50% | Azioni |
| BlackRock, Inc. | $9.281.597 | 261.970 | 0,46% | Azioni |
| Caption Management, LLC | $8.857.500 | 250.000 | 0,44% | Opzione Call |
| Alberta Investment Management Corp | $8.460.684 | 238.800 | 0,42% | Azioni |
| BNP PARIBAS FINANCIAL MARKETS | $8.382.171 | 236.584 | 0,42% | Azioni |
| Point72 Asset Management, L.P. | $8.219.760 | 232.000 | 0,41% | Opzione Call |
| Cubist Systematic Strategies, LLC | $7.371.080 | 145.100 | 0,37% | Opzione Call |
| HSBC HOLDINGS PLC | $7.191.209 | 199.978 | 0,36% | Azioni |
| Walleye Trading LLC | $7.039.941 | 198.700 | 0,35% | Opzione Put |
| IMC-Chicago, LLC | $6.874.873 | 194.041 | 0,34% | Azioni |
| BARCLAYS PLC | $6.377.400 | 180.000 | 0,32% | Opzione Put |
| Swiss National Bank | $5.902.638 | 166.600 | 0,30% | Azioni |
| Gator Capital Management, LLC | $5.721.591 | 161.490 | 0,29% | Azioni |
| Quantinno Capital Management LP | $5.293.796 | 149.415 | 0,27% | Azioni |
| Squarepoint Ops LLC | $5.261.355 | 148.500 | 0,26% | Opzione Put |
| Walleye Trading LLC | $5.162.151 | 145.700 | 0,26% | Opzione Call |
| CREDIT AGRICOLE S A | $5.033.717 | 142.075 | 0,25% | Azioni |
| LPL Financial LLC | $5.018.249 | 141.638 | 0,25% | Azioni |
| AXA Investment Managers S.A. | $4.686.097 | 92.246 | 0,23% | Azioni |
| PEAK6 LLC | $4.382.691 | 123.700 | 0,22% | Opzione Call |
| BANK OF NOVA SCOTIA | $4.247.846 | 119.894 | 0,21% | Azioni |
| Clear Street Group Inc. | $4.233.885 | 119.500 | 0,21% | Opzione Put |
| TUDOR INVESTMENT CORP ET AL | $4.170.111 | 117.700 | 0,21% | Opzione Call |
| Cubist Systematic Strategies, LLC | $4.155.440 | 81.800 | 0,21% | Opzione Put |
| Schonfeld Strategic Advisors LLC | $4.073.563 | 114.975 | 0,20% | Azioni |
| Headlands Technologies LLC | $4.014.219 | 113.300 | 0,20% | Azioni |
| Nebula Research & Development LLC | $3.925.365 | 60.689 | 0,20% | Azioni |
| RHUMBLINE ADVISERS | $3.915.354 | 110.510 | 0,20% | Azioni |
| MML INVESTORS SERVICES, LLC | $3.789.770 | 106.965 | 0,19% | Azioni |
| Squarepoint Ops LLC | $3.741.408 | 105.600 | 0,19% | Opzione Call |
| CAPITAL FUND MANAGEMENT S.A. | $3.663.462 | 103.400 | 0,18% | Opzione Call |
| BLUE JEAN FINANCIAL LLC | $3.651.026 | 103.049 | 0,18% | Azioni |
| Walleye Trading LLC | $3.611.238 | 101.926 | 0,18% | Azioni |
| NOMURA HOLDINGS INC | $3.543.000 | 100.000 | 0,18% | Opzione Call |
| NORGES BANK | $3.328.967 | 93.959 | 0,17% | Azioni |
| Banco Santander, S.A. | $3.269.480 | 92.280 | 0,16% | Azioni |
| VANGUARD ASSET MANAGEMENT, Ltd | $3.081.949 | 86.987 | 0,15% | Azioni |
| Bank of New York Mellon Corp | $3.049.992 | 86.085 | 0,15% | Azioni |
| Bank Julius Baer & Co. Ltd, Zurich | $3.028.531 | 85.480 | 0,15% | Azioni |
| MILLENNIUM MANAGEMENT LLC | $2.922.975 | 82.500 | 0,15% | Opzione Put |
| Edgestream Partners, L.P. | $2.910.433 | 82.146 | 0,15% | Azioni |
| Odyssean, LLC | $2.848.324 | 80.393 | 0,14% | Azioni |
| Trexquant Investment LP | $2.825.153 | 79.739 | 0,14% | Azioni |
| Private Advisor Group, LLC | $2.736.488 | 77.236 | 0,14% | Azioni |
| Brevan Howard Capital Management LP | $2.724.850 | 76.908 | 0,14% | Azioni |
| Quadrature Capital Ltd | $2.704.797 | 76.342 | 0,14% | Azioni |
| ExodusPoint Capital Management, LP | $2.677.764 | 75.579 | 0,13% | Azioni |
| Jefferies Financial Group Inc. | $2.657.250 | 75.000 | 0,13% | Opzione Call |
| Universal- Beteiligungs- und Servicegesellschaft mbH | $2.631.032 | 74.260 | 0,13% | Azioni |
| Jefferies Financial Group Inc. | $2.593.689 | 73.206 | 0,13% | Azioni |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $2.582.775 | 100.693 | 0,13% | Azioni |
| PEAK6 LLC | $2.581.820 | 72.871 | 0,13% | Azioni |
| ALLIANCEBERNSTEIN L.P. | $2.565.180 | 100.007 | 0,13% | Azioni |
| Tyler-Stone Wealth Management | $2.563.526 | 39.634 | 0,13% | Azioni |
| Centiva Capital, LP | $2.494.272 | 70.400 | 0,12% | Opzione Put |
| Divisadero Street Capital Management, LP | $2.390.143 | 67.461 | 0,12% | Azioni |
| CenterBook Partners LP | $2.385.077 | 67.318 | 0,12% | Azioni |
| Point72 Asset Management, L.P. | $2.352.552 | 66.400 | 0,12% | Opzione Put |
| Aquatic Capital Management LLC | $2.286.829 | 64.545 | 0,11% | Azioni |
| Manchester Capital Management LLC | $2.234.641 | 63.072 | 0,11% | Azioni |
| SANDLER CAPITAL MANAGEMENT | $2.193.117 | 61.900 | 0,11% | Opzione Put |
| Man Group plc | $2.169.698 | 61.239 | 0,11% | Azioni |
| Parallax Volatility Advisers, L.P. | $2.125.800 | 60.000 | 0,11% | Opzione Call |
Insider aziendali 14 insider · 6 dirigenti · 9 direttori
| Insider | Ruolo | Ultima attività | Azioni possedute | Acquisti 12m | Vendite 12m | Netto 12m |
|---|---|---|---|---|---|---|
| Dave Girouard | Chief Executive Officer | 01 Ottobre 2021 S | 987.502 | 0 | 0 | $0 |
| Sanjay Datta | President, Capital& Enterprise | 09 Giugno 2026 S | 313.556 | 0 | 1 | $-456.116 |
| Alison Nicoll | General Counsel | 20 Ottobre 2021 M | 14.230 | 0 | 0 | $0 |
| Paul Gu | SVP, Product and Data Science | 15 Ottobre 2021 M | 277.412 | 0 | 0 | $0 |
| Natalia Mirgorodskaya | Corporate Controller | 31 Agosto 2021 S | 23.007 | 0 | 0 | $0 |
| Anna M. Counselman | SVP, People and Operations | 19 Agosto 2021 M | 12.230 | 0 | 0 | $0 |
| Peter J Bernard | Direttore | 29 Maggio 2026 A | 11.392 | 0 | 0 | $0 |
| Ciaran O'Kelly | Direttore | 29 Maggio 2026 A | 39.484 | 0 | 0 | $0 |
| Mary Hentges | Direttore | 29 Maggio 2026 A | 37.149 | 0 | 0 | $0 |
| Kerry Whorton Cooper | Direttore | 29 Maggio 2026 A | 6.476 | 0 | 0 | $0 |
| Hilliard C. Terry III | Direttore | 29 Maggio 2026 A | 37.432 | 0 | 0 | $0 |
| Timothy H Wennes | Direttore | 29 Maggio 2026 A | 6.476 | 0 | 0 | $0 |
| Cassidy Sukhinder Singh | Direttore | 27 Maggio 2021 A | 1.491 | 0 | 0 | $0 |
| Jeff Huber | — | 23 Giugno 2021 A | 1.234 | 0 | 0 | $0 |
Insider dai depositi SEC Modulo 3/4/5; netto = solo acquisti/vendite di mercato
Proprietà ETF Posseduti da 46 ETF
Il peso riflette solo le partecipazioni azionarie dirette (N-PORT); fondi a leva o basati su derivati possono detenere ulteriore esposizione swap non mostrata.
| Fondo | Peso | Unità | Aggiornato al | Fonte |
|---|---|---|---|---|
| FINX · Global X Funds | 0,59% | 33.960 NS | 31 Maggio 2026 | N-PORT |
| TMFX · RBB Fund, Inc. | 0,16% | 1.525 NS | 31 Maggio 2026 | N-PORT |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,14% | 32.077 NS | 30 Aprile 2026 | N-PORT |
| FYC · First Trust Exchange-Traded AlphaDE… | 0,13% | 44.668 NS | 30 Aprile 2026 | N-PORT |
| BKSE · BNY Mellon ETF Trust | 0,12% | 3.094 NS | 30 Aprile 2026 | N-PORT |
| RSSL · Global X Funds | 0,08% | 37.413 NS | 30 Aprile 2026 | N-PORT |
| ITWO · ProShares Trust | 0,07% | 4.056 NS | 31 Maggio 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,07% | 301.103 NS | 30 Aprile 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0,06% | 416.495 NS | 31 Maggio 2026 | N-PORT |
| UWM · ProShares Trust | 0,04% | 3.172 NS | 31 Maggio 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0,03% | 23.558 NS | 30 Aprile 2026 | N-PORT |
| URTY · ProShares Trust | 0,03% | 3.210 NS | 31 Maggio 2026 | N-PORT |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,03% | 4.164 NS | 30 Aprile 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0,01% | 3.306 NS | 31 Maggio 2026 | N-PORT |
| HDG · ProShares Trust | 0,01% | 81 NS | 31 Maggio 2026 | N-PORT |
| ONEQ · Fidelity Commonwealth Trust | 0,01% | 22.940 NS | 31 Maggio 2026 | N-PORT |
| TILT · FlexShares Trust | 0,01% | 3.893 NS | 30 Aprile 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0,00% | 53.173 NS | 31 Maggio 2026 | N-PORT |
| SCHK · SCHWAB STRATEGIC TRUST | 0,00% | 6.771 NS | 31 Maggio 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0,00% | 1.194 NS | 30 Aprile 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 16.131 NS | 30 Aprile 2026 | N-PORT |
| AVUQ · AMERICAN CENTURY ETF TRUST | 0,00% | 36 NS | 31 Maggio 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0,00% | 297 NS | 30 Aprile 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0,00% | 747 NS | 30 Aprile 2026 | N-PORT |
| EBI · RBB Fund Trust | 0,00% | 3 NS | 31 Maggio 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| VB · VANGUARD INDEX FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| VBK · VANGUARD INDEX FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| VTI · VANGUARD INDEX FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | — | — | 15 Luglio 2026 | Giornaliero |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| VTWG · VANGUARD SCOTTSDALE FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | 15 Luglio 2026 | Giornaliero |
| ITOT · iShares Trust | — | — | 05 Agosto 2026 | Giornaliero |
| IWV · iShares Trust | — | — | 18 Agosto 2026 | Giornaliero |
| IWO · iShares Trust | — | — | 18 Agosto 2026 | Giornaliero |
| IWM · iShares Trust | — | — | 18 Agosto 2026 | Giornaliero |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | 23 Luglio 2026 | Giornaliero |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | 13 Luglio 2026 | Giornaliero |
| VFH · VANGUARD WORLD FUND | — | — | 20 Luglio 2026 | Giornaliero |
| ESGV · VANGUARD WORLD FUND | — | — | 30 Luglio 2026 | Giornaliero |
| ISCB · iShares Trust | — | — | 05 Agosto 2026 | Giornaliero |
| ISCG · iShares Trust | — | — | 05 Agosto 2026 | Giornaliero |
| ESML · iShares Trust | — | — | 14 Agosto 2026 | Giornaliero |
| TECB · iShares Trust | — | — | 05 Agosto 2026 | Giornaliero |
| WSML · iShares Trust | — | — | 05 Agosto 2026 | Giornaliero |