UPST Upstart Holdings, Inc. - Common stock
NASDAQ · Financial Services · SEC EDGAR'da Görüntüle ↗ kapat Eki 2, 2026 10-K/10-Q Ağu 5, 2026UPST Hisse Senedi Özeti Fiyat, piyasa değeri, P/E, EPS, ROE, borç/öz sermaye, 52 haftalık aralık
UPST Hisse Senedi Fiyat Grafiği Teknik göstergeler ile günlük OHLCV — kaydır, yakınlaştır ve görünümünüzü özelleştirin
Çubuk çözünürlüğü seçilen döneme uyum sağlar — bir çubuk için açılış/yüksek/düşük/kapanış değerlerini görmek için grafiğin üzerine gelin.
Upstart Holdings, Inc. - Common stock Hakkında Wikipedia'dan şirket genel bakışı
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.
Kaynak: Wikipedia (İngilizce), CC BY-SA 4.0 · Wikipedia'da Görüntüle ↗
10 Yıllık Performans Gelir, net kar, marjlar ve EPS trendleri
Değerleme P/E, P/S, P/B, EV/EBITDA oranları — hisse senedi pahalı mı ucuz mu?
| Metrik | 5 Yıllık trend | UPST | 5Y ort. | Akran Ortalaması | Sonuç |
|---|---|---|---|---|---|
| P/E (TTM) | 43.95Y ort. ≈27.2 | ≈27.2 | 12.0 | Aşırı değerli | |
| F/S (TTM) | 1.85Y ort. ≈7.2 | ≈7.2 | 1.7 | Aşırı değerli | |
| F/D (MRQ) | 2.85Y ort. ≈7.5 | ≈7.5 | 4.0 | Aşırı değerli | |
| Fiyat / Serbest Nakit Akışı (TTM) | -7.75Y ort. ≈11.6 | ≈11.6 | · | · | |
| Fiyat / Nakit Akışı (TTM) | -7.85Y ort. ≈10.7 | ≈10.7 | · | · | |
| Fiyat / Maddi Defter Değeri (MRQ) | 2.85Y ort. ≈8.4 | ≈8.4 | · | · |
Akran ortalaması, metrik başına standartlaştırılmış bir temelde hesaplanır ve bu hisse senedi için gösterilen TTM/MRQ temelini her zaman eşleşmeyebilir.
Kârlılık Brüt, faaliyet ve net kâr marjları; ROE, ROA, ROIC
| Metrik | 5 Yıllık trend | UPST | 5Y ort. | Akran Ortalaması | Sonuç |
|---|---|---|---|---|---|
| Faaliyet Kâr Marjı (TTM) | 4.0%5Y ort. ≈-14.0% | ≈-14.0% | 17.3% | Zayıf | |
| FAVÖK Marjı (TTM) | 6.0%5Y ort. ≈-11.4% | ≈-11.4% | 7.6% | Zayıf | |
| Net Kâr Marjı (TTM) | 4.8%5Y ort. ≈-11.8% | ≈-11.8% | 14.1% | Zayıf | |
| ROA (TTM) | 2.1%5Y ort. ≈-2.0% | ≈-2.0% | 3.4% | Zayıf | |
| ROE (TTM) | 7.9%5Y ort. ≈-9.9% | ≈-9.9% | 22.6% | Zayıf |
Finansal Sağlık Borç, likidite, solventlik — bilanço gücü
Bu oran grubunu hesaplamak için henüz yeterli temel veriye sahip değil.
Büyüme Gelir, EPS ve net gelir büyümesi: YOY, 3 Yıllık CAGR, 5 Yıllık CAGR
| Metrik | 5 Yıllık trend | UPST | 5Y ort. | Akran Ortalaması | Sonuç |
|---|---|---|---|---|---|
| Revenue YoY (Gelir Yıllık Bazda) | 64.0%5Y ort. ≈62.3% | ≈62.3% | · | · | |
| Revenue CAGR 3Y (Gelir 3 Yıllık Bileşik Büyüme Oranı) | 7.4%5Y ort. ≈9.4% | ≈9.4% | · | · | |
| Revenue CAGR 5Y (Gelir 5 Yıllık Bileşik Büyüme Oranı) | 34.9% | · | · | · | |
| Net Income CAGR 5Y (Net Gelir Bileşik Yıllık Büyüme Oranı 5Y) | 55.0% | · | · | · |
Sermaye Verimliliği Aktif devir hızı, stok devir hızı, alacak devir hızı
| Metrik | 5 Yıllık trend | UPST | 5Y ort. | Akran Ortalaması | Sonuç |
|---|---|---|---|---|---|
| Asset Turnover (Aktif Devir Hızı) | 0.45Y ort. ≈0.4 | ≈0.4 | 0.3 | En üst düzey | |
| Revenue / Employee (Çalışan Başına Gelir) | ≈$743.0K | · | · | · |
değer · ≈ 5Y ort. · sektör ortalaması · ortalamaya göre değerlendirme
Kazanç Geçmişi EPS gerçekleşen vs tahmin, sürpriz %, kazanma oranı, bir sonraki kazanç tarihi
| Dönem | Rapor | EPS Gerçek | EPS Tahmin | Sürpriz |
|---|---|---|---|---|
| 30 Haziran 2026 | Ağu 3, 2026 | $0.57 | $0.54 | 4.6% |
| 31 Mart 2026 | $0.30 | $0.43 | -29.9% | |
| 31 Aralık 2025 | $0.46 | $0.47 | -2.1% | |
| 30 Eylül 2025 | $0.52 | $0.43 | 20.9% | |
| 30 Haziran 2025 | $0.36 | $0.26 | 37.9% | |
| 31 Mart 2025 | $0.30 | $0.18 | 69.5% |
Tüm Temeller Tüm metrikler yıla göre — gelir tablosu, bilanço, nakit akışı
Gelir Tablosu
| Metrik | Eğilim | 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 | · | · |
Bilanço
| Metrik | Eğilim | 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 |
Nakit Akışı
| Metrik | Eğilim | 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 | · | · |
Kârlılık
| Metrik | Eğilim | 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% | · | · |
Likidite ve Solventlik
| Metrik | Eğilim | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -7.4 | -10.5 | 43.0 | · | · |
Verimlilik
| Metrik | Eğilim | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.4 | 0.7 | · | · |
Hisse Başına
| Metrik | Eğilim | 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 | · |
Büyüme Oranları
| Metrik | Eğilim | 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% | · | · | · | · | · | · |
Değerleme (TTM)
| Metrik | Eğilim | 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% | · |
Gelir Tablosu
| Metrik | Eğilim | 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 |
Bilanço
| Metrik | Eğilim | 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 |
Nakit Akışı
| Metrik | Eğilim | 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 | · | · |
Kârlılık
| Metrik | Eğilim | 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% |
Likidite ve Solventlik
| Metrik | Eğilim | 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 |
Verimlilik
| Metrik | Eğilim | 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 |
Hisse Başına
| Metrik | Eğilim | 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 |
Değerleme (TTM)
| Metrik | Eğilim | 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% |
En son dönem solda · null değerler · olarak gösterilir
Finansal Tablolar Gelir tablosu, bilanço, nakit akışı — yıllık, son 5 yıl
| Metrik | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Gelir | $1.04B | $637M | $514M | $842M | $849M |
| Faaliyet Kâr Marjı % | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% |
| Net Gelir | $54M | $-129M | $-240M | $-109M | $135M |
| Seyreltilmiş Hisse Başı Kâr | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 |
Bu beyanı oluşturmak için henüz yeterli temel verisi yok.
| Metrik | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Serbest Nakit Akışı | $-148M | $185M | $-162M | $-684M | $160M |
Kurumsal Sahipler (13F) 444 dosya · $3.1B toplam · Tarih itibarıyla 30 Eylül 2026
Çeyreklik SEC Form 13F'lerinde bu hisse senedini tuttuklarını bildiren kurumlar. Yalnızca uzun pozisyonlar; tek bir başvuru sahibi, ayrı opsiyon bacakları için iki kez görünebilir. Büyük dengeleyici alım/satım bacakları genellikle piyasa yapımını veya korunmuş envanteri yansıtır, yönlü bir inancı değil.
| Yeni pozisyonlar | Çıkan pozisyonlar | Artırıldı | Azaldı | Net hisse senedi değişimi |
|---|---|---|---|---|
| 76 (+13 önceki Ç'ye göre) | 41 (-52 önceki Ç'ye göre) | 135 (-12 önceki Ç'ye göre) | 121 (+8 önceki Ç'ye göre) | +1.5M |
Q1 2026 ile karşılaştırıldı. SEC Form 13F başvuruları, çeyrek sonundan itibaren 45 gün içinde ve geç başvuranlar için kısa bir ek süre içinde tamamlanmalıdır — bu pencere içindeki çeyrekler, en son tam olarak raporlanan çifte tercih edilerek atlanır.
| Kurum | Değer | Hisse senetleri | % izlenen 13F'nin | Tür |
|---|---|---|---|---|
| VANGUARD GROUP INC | $353.061.109 | 8.073.659 | 11,52% | Hisse senetleri |
| BlackRock, Inc. | $279.142.942 | 7.878.717 | 9,11% | Hisse senetleri |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $132.499.626 | 3.739.758 | 4,33% | Hisse senetleri |
| VANGUARD CAPITAL MANAGEMENT LLC | $131.039.733 | 3.698.553 | 4,28% | Hisse senetleri |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $108.401.628 | 3.059.600 | 3,54% | Alım opsiyonu |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $91.745.985 | 2.589.500 | 2,99% | Satım opsiyonu |
| MORGAN STANLEY | $85.553.247 | 2.414.712 | 2,79% | Hisse senetleri |
| GOLDMAN SACHS GROUP INC | $84.862.705 | 2.395.222 | 2,77% | Hisse senetleri |
| MARSHALL WACE, LLP | $83.993.547 | 2.370.690 | 2,74% | Hisse senetleri |
| GEODE CAPITAL MANAGEMENT, LLC | $78.974.444 | 2.228.631 | 2,58% | Hisse senetleri |
| STATE STREET CORP | $75.057.286 | 2.118.467 | 2,45% | Hisse senetleri |
| Clear Street Group Inc. | $64.803.702 | 1.829.063 | 2,12% | Hisse senetleri |
| Halter Ferguson Financial Inc. | $61.935.857 | 1.748.119 | 2,02% | Hisse senetleri |
| JANE STREET GROUP, LLC | $60.975.030 | 1.721.000 | 1,99% | Satım opsiyonu |
| CITADEL ADVISORS LLC | $56.985.612 | 1.608.400 | 1,86% | Alım opsiyonu |
| BANK OF AMERICA CORP /DE/ | $53.582.773 | 1.512.356 | 1,75% | Hisse senetleri |
| UBS Group AG | $53.266.738 | 1.503.436 | 1,74% | Hisse senetleri |
| JANE STREET GROUP, LLC | $50.643.642 | 1.429.400 | 1,65% | Alım opsiyonu |
| WOLVERINE TRADING, LLC | $48.088.332 | 911.800 | 1,57% | Alım opsiyonu |
| CITIGROUP INC | $40.237.213 | 1.135.682 | 1,31% | Hisse senetleri |
| BARCLAYS PLC | $39.999.584 | 1.128.975 | 1,31% | Hisse senetleri |
| BAILLIE GIFFORD & CO | $38.376.253 | 1.083.157 | 1,25% | Hisse senetleri |
| DIMENSIONAL FUND ADVISORS LP | $37.547.436 | 1.059.769 | 1,23% | Hisse senetleri |
| CITADEL ADVISORS LLC | $33.856.377 | 955.585 | 1,11% | Hisse senetleri |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $32.604.564 | 920.253 | 1,06% | Hisse senetleri |
| CITADEL ADVISORS LLC | $31.589.388 | 891.600 | 1,03% | Satım opsiyonu |
| Point72 Asset Management, L.P. | $31.361.183 | 885.159 | 1,02% | Hisse senetleri |
| COATUE MANAGEMENT LLC | $30.857.652 | 870.947 | 1,01% | Hisse senetleri |
| CAPITAL FUND MANAGEMENT S.A. | $28.379.217 | 800.994 | 0,93% | Hisse senetleri |
| D. E. Shaw & Co., Inc. | $28.103.076 | 793.200 | 0,92% | Alım opsiyonu |
| NORTHERN TRUST CORP | $27.816.163 | 785.102 | 0,91% | Hisse senetleri |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $27.113.906 | 765.281 | 0,89% | Hisse senetleri |
| MILLENNIUM MANAGEMENT LLC | $27.098.529 | 764.847 | 0,88% | Hisse senetleri |
| FMR LLC | $25.033.004 | 706.548 | 0,82% | Hisse senetleri |
| WOLVERINE TRADING, LLC | $23.226.696 | 440.400 | 0,76% | Satım opsiyonu |
| VANGUARD FIDUCIARY TRUST CO | $21.373.396 | 603.257 | 0,70% | Hisse senetleri |
| Balyasny Asset Management L.P. | $19.725.971 | 556.759 | 0,64% | Hisse senetleri |
| HSBC HOLDINGS PLC | $18.300.044 | 508.900 | 0,60% | Alım opsiyonu |
| PEAK6 LLC | $16.683.987 | 470.900 | 0,54% | Satım opsiyonu |
| Walleye Capital LLC | $15.912.711 | 449.131 | 0,52% | Hisse senetleri |
| FIRST TRUST ADVISORS LP | $13.429.954 | 379.056 | 0,44% | Hisse senetleri |
| D. E. Shaw & Co., Inc. | $12.832.746 | 362.200 | 0,42% | Satım opsiyonu |
| Pathstone Holdings, LLC | $11.878.899 | 335.278 | 0,39% | Hisse senetleri |
| Squarepoint Ops LLC | $11.695.939 | 330.114 | 0,38% | Hisse senetleri |
| FRED ALGER MANAGEMENT, LLC | $10.746.805 | 303.325 | 0,35% | Hisse senetleri |
| Hidden Lake Asset Management LP | $9.977.584 | 281.614 | 0,33% | Hisse senetleri |
| Bank of New York Mellon Corp | $9.681.085 | 273.245 | 0,32% | Hisse senetleri |
| Nuveen, LLC | $9.514.621 | 268.547 | 0,31% | Hisse senetleri |
| Caption Management, LLC | $8.857.500 | 250.000 | 0,29% | Alım opsiyonu |
| Alberta Investment Management Corp | $8.460.684 | 238.800 | 0,28% | Hisse senetleri |
Şirket yöneticileri 16 içeriden öğrenenler · 7 yöneticiler · 10 yönetim kurulu üyeleri
| İçeriden Öğrenen | Rol | Son işlem | Sahip olunan hisse senetleri | Alımlar 12ay | Satışlar 12ay | Net 12ay |
|---|---|---|---|---|---|---|
| Paul Gu | Chief Executive Officer | 10 Eylül 2026 P | 130.000 | 4 | 0 | $6.575.300 |
| Andrea Blankmeyer | Chief Financial Officer | 19 Ağustos 2026 S | 152.208 | 0 | 5 | $-507.363 |
| Sanjay Datta | President, Capital& Enterprise | 08 Eylül 2026 M | 476.578 | 0 | 11 | $-5.267.388 |
| Natalia Mirgorodskaya | Chief Accounting Officer and Controller | 25 Ağustos 2026 S | 35.875 | 0 | 10 | $-200.965 |
| Scott Darling | Chief Legal Officer | 20 Ağustos 2026 S | 73.306 | 0 | 12 | $-1.414.721 |
| Alison Nicoll | General Counsel and Secretary | 24 Haziran 2022 M | 412.983 | 0 | 0 | $0 |
| Anna M. Counselman | SVP, People and Operations | 20 Şubat 2022 A | 19.143 | 0 | 0 | $0 |
| Peter J Bernard | Yönetim kurulu üyesi | 29 Mayıs 2026 A | 11.392 | 0 | 0 | $0 |
| Ciaran O'Kelly | Yönetim kurulu üyesi | 29 Mayıs 2026 A | 39.484 | 0 | 0 | $0 |
| Mary Hentges | Yönetim kurulu üyesi | 29 Mayıs 2026 A | 37.149 | 0 | 0 | $0 |
| Kerry Whorton Cooper | Yönetim kurulu üyesi | 29 Mayıs 2026 A | 6.476 | 0 | 1 | $-75.000 |
| Hilliard C. Terry III | Yönetim kurulu üyesi | 29 Mayıs 2026 A | 37.432 | 0 | 0 | $0 |
| Timothy H Wennes | Yönetim kurulu üyesi | 29 Mayıs 2026 A | 6.476 | 0 | 0 | $0 |
| Dave Girouard | Yönetim kurulu üyesi | 07 Mayıs 2026 M | 9.348.016 | 2 | 0 | $5.000.066 |
| Jeff Huber | Yönetim kurulu üyesi | 27 Mayıs 2025 A | 29.671 | 0 | 0 | $0 |
| Cassidy Sukhinder Singh | Yönetim kurulu üyesi | 02 Aralık 2024 M | 8.278 | 0 | 0 | $0 |
SEC Form 3/4/5 başvurularından yöneticiler; net = yalnızca açık piyasa Alış/Satış
ETF sahipliği 32 ETF'ler tarafından tutuluyor
Ağırlık yalnızca doğrudan öz sermaye varlıklarını (N-PORT) yansıtır; kaldıraçlı veya türev tabanlı fonlar gösterilmeyen ek swap pozisyonlarına sahip olabilir.
| Fon | Ağırlık | Birimler | Tarih itibarıyla | Kaynak |
|---|---|---|---|---|
| FYC · First Trust Exchange-Traded AlphaDE… | 0,31% | 145.809 NS | 31 Temmuz 2026 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0,18% | 91.282 SH | 19 Ağustos 2026 | Günlük |
| IWO · iShares Trust | 0,14% | 811.069 SH | 11 Eylül 2026 | Günlük |
| BKSE · BNY Mellon ETF Trust | 0,10% | 3.228 NS | 31 Temmuz 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,09% | 492.357 SH | 19 Ağustos 2026 | Günlük |
| BBSC · J.P. Morgan Exchange-Traded Fund Tr… | 0,09% | 22.603 NS | 31 Temmuz 2026 | N-PORT |
| VBK · VANGUARD INDEX FUNDS | 0,08% | 1.070.193 SH | 19 Ağustos 2026 | Günlük |
| RSSL · Global X Funds | 0,08% | 40.971 NS | 31 Temmuz 2026 | N-PORT |
| ISCG · iShares Trust | 0,07% | 27.161 SH | 11 Eylül 2026 | Günlük |
| IWM · iShares Trust | 0,07% | 2.197.618 SH | 11 Eylül 2026 | Günlük |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,07% | 76.982 SH | 02 Ekim 2026 | Günlük |
| FAD · First Trust Exchange-Traded AlphaDE… | 0,06% | 13.210 NS | 31 Temmuz 2026 | N-PORT |
| FYX · First Trust Exchange-Traded AlphaDE… | 0,05% | 24.621 NS | 31 Temmuz 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,05% | 268.504 NS | 31 Temmuz 2026 | N-PORT |
| ESML · iShares Trust | 0,04% | 48.843 SH | 11 Eylül 2026 | Günlük |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,04% | 4.211 SH | 02 Ekim 2026 | Günlük |
| VXF · VANGUARD INDEX FUNDS | 0,03% | 967.149 SH | 19 Ağustos 2026 | Günlük |
| VB · VANGUARD INDEX FUNDS | 0,03% | 1.859.762 SH | 19 Ağustos 2026 | Günlük |
| VFH · VANGUARD WORLD FUND | 0,03% | 135.095 SH | 19 Ağustos 2026 | Günlük |
| FNCL · FIDELITY COVINGTON TRUST | 0,03% | 21.806 NS | 31 Temmuz 2026 | N-PORT |
| WSML · iShares Trust | 0,02% | 5.107 SH | 11 Eylül 2026 | Günlük |
| TECB · iShares Trust | 0,01% | 2.672 SH | 11 Eylül 2026 | Günlük |
| ESGV · VANGUARD WORLD FUND | 0,01% | 18.892 SH | 19 Ağustos 2026 | Günlük |
| ITOT · iShares Trust | 0,00% | 122.084 SH | 11 Eylül 2026 | Günlük |
| IWV · iShares Trust | 0,00% | 23.327 SH | 11 Eylül 2026 | Günlük |
| DCOR · Dimensional ETF Trust | 0,00% | 1.194 NS | 31 Temmuz 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0,00% | 16.131 NS | 31 Temmuz 2026 | N-PORT |
| TILT · FlexShares Trust | 0,00% | 316 NS | 31 Temmuz 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 2.576.682 SH | 19 Ağustos 2026 | Günlük |
| VT · VANGUARD INTERNATIONAL EQUITY INDEX… | 0,00% | 70.548 SH | 19 Ağustos 2026 | Günlük |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 7.204 SH | 19 Ağustos 2026 | Günlük |
| ISCB · iShares Trust | · | 3.904 SH | 11 Eylül 2026 | Günlük |
UPST Analist Uzlaşması Boğa ve ayı analist görüşleri, 12 aylık fiyat hedefi, yukarı yönlü potansiyel
12 Aylık Fiyat Hedefi
16 analist · 2026-10-01Ortalama hedef $40.00 +75,4%
Akran karşılaştırması (GICS alt sektörü) Anahtar metrikler sektördeki benzerlerine karşı
Mali yıl bazında, fiyatlar her şirketin son mali yıl kapanışına göredir.
| Hisse Sembolü | Piyasa Değeri | P/E | Gelir YoY | Net Kar Marjı | ROE | Brüt Kar Marjı |
|---|---|---|---|---|---|---|
| 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% | · |
Son Haberler Bu şirketten bahseden son manşetler
Metriklerim Kişisel izleme listeniz — Tam Temeller'den seçilen satırlar
Sizin için önemli olan metrikleri seçin — Yukarıdaki Tam Temeller bölümündeki herhangi bir satırın yanındaki + işaretine tıklayın.
Seçiminiz kaydedildi ve tüm hisse senetlerinde sizinle birlikte gelir.