UPST Upstart Holdings, Inc. - Common stock
NASDAQ · Financial Services · 在 SEC EDGAR 上查看 ↗ 收盘 十月 2, 2026 10-K/10-Q 八月 5, 2026
$22.81
· % 处于52周区间
· 高于低点
· 至高点
$22.5652周低点
$55.2252周高点
市值 (MRQ)
$2.22B
P/E (TTM)
43.9
EPS (TTM)
$0.52
收入 (TTM)
$1.25B
UPST 股票快照 价格、市值、P/E、EPS、ROE、负债/权益、52周范围
价格
$22.81
市值 (MRQ)
$2.22B
P/E (TTM)
43.9
EPS (TTM)
$0.52
收入 (TTM)
$1.25B
ROE (TTM)
7.9%
52周区间
$23–$55
UPST 股价图表 包含技术指标的日 OHLCV — 平移、缩放和自定义您的视图
区间
条形图
柱状图粒度会根据所选周期进行调整 — 将鼠标悬停在图表上可查看柱状图的开盘价/最高价/最低价/收盘价。
关于 Upstart Holdings, Inc. - Common stock 公司概况（来自维基百科）
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.
来源：维基百科 (英语), CC BY-SA 4.0 · 在维基百科上查看 ↗
行业板块Financial Services
行业Financial Services
员工1405
国家US
10年表现 收入、净利润、利润率和每股收益趋势
收入$1.04B2019-12-31 → 2025-12-31
EPS$0.452019-12-31 → 2025-12-31
自由现金流$-148M2021-12-31 → 2025-12-31
净利率4.8%2021-12-31 → 2025-12-31
估值与比率
估值 P/E、P/S、P/B、EV/EBITDA 比率 — 该股票是昂贵还是便宜？
| 指标 | 5年趋势 | UPST | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| P/E (TTM) | 43.95年均值 ≈27.2 | ≈27.2 | 12.0 | 估值过高 | |
| P/S (TTM) | 1.85年均值 ≈7.2 | ≈7.2 | 1.7 | 估值过高 | |
| 市净率 (MRQ) | 2.85年均值 ≈7.5 | ≈7.5 | 4.0 | 估值过高 | |
| 股价/自由现金流 (TTM) | -7.75年均值 ≈11.6 | ≈11.6 | · | · | |
| 市现率 (TTM) | -7.85年均值 ≈10.7 | ≈10.7 | · | · | |
| 市净率（有形资产） (MRQ) | 2.85年均值 ≈8.4 | ≈8.4 | · | · |
同行中位数按每项指标的标准化基础计算，可能与本股票显示的TTM/MRQ基础不完全匹配。
盈利能力 毛利率、营业利润率和净利率；股本回报率 (ROE)、资产回报率 (ROA)、投入资本回报率 (ROIC)
| 指标 | 5年趋势 | UPST | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| 营业利润率 (TTM) | 4.0%5年均值 ≈-14.0% | ≈-14.0% | 17.3% | 弱 | |
| 息税折旧摊销前利润率 (TTM) | 6.0%5年均值 ≈-11.4% | ≈-11.4% | 7.6% | 弱 | |
| 净利润率 (TTM) | 4.8%5年均值 ≈-11.8% | ≈-11.8% | 14.1% | 弱 | |
| ROA (TTM) | 2.1%5年均值 ≈-2.0% | ≈-2.0% | 3.4% | 弱 | |
| ROE (TTM) | 7.9%5年均值 ≈-9.9% | ≈-9.9% | 22.6% | 弱 |
财务健康 债务、流动性、偿付能力 — 资产负债表强度
此比率组尚无数据
基本面数据不足，尚无法计算此比率组。
成长 营收、每股收益 (EPS) 和净利润增长：同比、3年复合年增长率 (CAGR)、5年复合年增长率 (CAGR)
| 指标 | 5年趋势 | UPST | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| Revenue YoY (营收同比增长) | 64.0%5年均值 ≈62.3% | ≈62.3% | · | · | |
| Revenue CAGR 3Y (营收3年复合年增长率) | 7.4%5年均值 ≈9.4% | ≈9.4% | · | · | |
| Revenue CAGR 5Y (营收5年复合年增长率) | 34.9% | · | · | · | |
| Net Income CAGR 5Y (净利润年复合增长率（5年）) | 55.0% | · | · | · |
资本效率 资产周转率、库存周转率、应收账款周转率
| 指标 | 5年趋势 | UPST | 5年均值 | 同行中位数 | 结论 |
|---|---|---|---|---|---|
| Asset Turnover (资产周转率) | 0.45年均值 ≈0.4 | ≈0.4 | 0.3 | 顶尖 | |
| Revenue / Employee (年营业收入 ÷ 员工人数（报告的 headcount，yfinance）。衍生数据 — 非存储的 SEC-XBRL 概念。) | ≈$743.0K | · | · | · |
价值 · ≈ 5年均值 · 行业中值 · 相对于中值的评判
收益历史 每股收益实际值 vs 预估值，惊喜%，达标率，下次财报日期
平均惊喜
16.8%
下次报告
十一月 02, 2026
| 期间 | 报告 | EPS Actual | EPS 预期 | 惊喜 |
|---|---|---|---|---|
| 2026年6月30日 | 八月 3, 2026 | $0.57 | $0.54 | 4.6% |
| 2026年3月31日 | $0.30 | $0.43 | -29.9% | |
| 2025年12月31日 | $0.46 | $0.47 | -2.1% | |
| 2025年9月30日 | $0.52 | $0.43 | 20.9% | |
| 2025年6月30日 | $0.36 | $0.26 | 37.9% | |
| 2025年3月31日 | $0.30 | $0.18 | 69.5% |
完整基本面 所有年度指标 — 损益表、资产负债表、现金流量表
损益表
| 指标 | 趋势 | 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 | · | · |
资产负债表
| 指标 | 趋势 | 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 |
现金流
| 指标 | 趋势 | 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 | · | · |
盈利能力
| 指标 | 趋势 | 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% | · | · |
流动性与偿付能力
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | -7.4 | -10.5 | 43.0 | · | · |
效率
| 指标 | 趋势 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.4 | 0.3 | 0.3 | 0.4 | 0.7 | · | · |
每股
| 指标 | 趋势 | 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 | · |
增长率
| 指标 | 趋势 | 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% | · | · | · | · | · | · |
估值 (TTM)
| 指标 | 趋势 | 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% | · |
损益表
| 指标 | 趋势 | 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 |
资产负债表
| 指标 | 趋势 | 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 |
现金流
| 指标 | 趋势 | 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 | · | · |
盈利能力
| 指标 | 趋势 | 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% |
流动性与偿付能力
| 指标 | 趋势 | 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 |
效率
| 指标 | 趋势 | 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 |
每股
| 指标 | 趋势 | 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 |
估值 (TTM)
| 指标 | 趋势 | 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% |
最近期在左侧 · 空值显示为 ·
财务报表 损益表、资产负债表、现金流量表 — 年度，近5年
| 指标 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| 收入 | $1.04B | $637M | $514M | $842M | $849M |
| 营业利润率 % | 4.1% | -27.2% | -50.0% | -13.5% | 16.6% |
| 净收入 | $54M | $-129M | $-240M | $-109M | $135M |
| 稀释后每股收益 (EPS) | $0.45 | $-1.44 | $-2.87 | $-1.31 | $1.43 |
此报表无数据
基本面数据不足，尚无法生成此报表。
| 指标 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| 自由现金流 | $-148M | $185M | $-162M | $-684M | $160M |
机构持有人 (13F) 444 家申报者 · $3.1B 总计 · 截至 2026年9月30日
在其季度SEC表格13F中报告持有此股票的机构。仅限多头头寸；单个申报人可能因单独的期权腿而出现两次。 大的抵消性看跌/看涨腿通常反映做市或对冲库存，而非方向性判断。
持有人
444
持有价值
$3.1B
新仓位
76
已退出持仓
41
机构活动 — Q2 2026 与上一季度对比
| 新仓位 | 已退出持仓 | 增加 | 减少 | 净股数变动 |
|---|---|---|---|---|
| 76 (+13 与上一季度对比) | 41 (-52 与上一季度对比) | 135 (-12 与上一季度对比) | 121 (+8 与上一季度对比) | +1.5M |
与Q1 2026对比。 SEC 13F表格的提交截止日期是季度末后45天，外加少量延迟提交的缓冲期——在此窗口期内的季度将被跳过，优先显示最近一个已完整报告的季度对。
| 机构 | 价值 | 股份 | % 已追踪的13F | 类型 |
|---|---|---|---|---|
| VANGUARD GROUP INC | $353061109 | 8073659 | 11.52% | 股份 |
| BlackRock, Inc. | $279142942 | 7878717 | 9.11% | 股份 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $132499626 | 3739758 | 4.33% | 股份 |
| VANGUARD CAPITAL MANAGEMENT LLC | $131039733 | 3698553 | 4.28% | 股份 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $108401628 | 3059600 | 3.54% | 买入期权 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $91745985 | 2589500 | 2.99% | 卖出期权 |
| MORGAN STANLEY | $85553247 | 2414712 | 2.79% | 股份 |
| GOLDMAN SACHS GROUP INC | $84862705 | 2395222 | 2.77% | 股份 |
| MARSHALL WACE, LLP | $83993547 | 2370690 | 2.74% | 股份 |
| GEODE CAPITAL MANAGEMENT, LLC | $78974444 | 2228631 | 2.58% | 股份 |
| STATE STREET CORP | $75057286 | 2118467 | 2.45% | 股份 |
| Clear Street Group Inc. | $64803702 | 1829063 | 2.12% | 股份 |
| Halter Ferguson Financial Inc. | $61935857 | 1748119 | 2.02% | 股份 |
| JANE STREET GROUP, LLC | $60975030 | 1721000 | 1.99% | 卖出期权 |
| CITADEL ADVISORS LLC | $56985612 | 1608400 | 1.86% | 买入期权 |
| BANK OF AMERICA CORP /DE/ | $53582773 | 1512356 | 1.75% | 股份 |
| UBS Group AG | $53266738 | 1503436 | 1.74% | 股份 |
| JANE STREET GROUP, LLC | $50643642 | 1429400 | 1.65% | 买入期权 |
| WOLVERINE TRADING, LLC | $48088332 | 911800 | 1.57% | 买入期权 |
| CITIGROUP INC | $40237213 | 1135682 | 1.31% | 股份 |
| BARCLAYS PLC | $39999584 | 1128975 | 1.31% | 股份 |
| BAILLIE GIFFORD & CO | $38376253 | 1083157 | 1.25% | 股份 |
| DIMENSIONAL FUND ADVISORS LP | $37547436 | 1059769 | 1.23% | 股份 |
| CITADEL ADVISORS LLC | $33856377 | 955585 | 1.11% | 股份 |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $32604564 | 920253 | 1.06% | 股份 |
| CITADEL ADVISORS LLC | $31589388 | 891600 | 1.03% | 卖出期权 |
| Point72 Asset Management, L.P. | $31361183 | 885159 | 1.02% | 股份 |
| COATUE MANAGEMENT LLC | $30857652 | 870947 | 1.01% | 股份 |
| CAPITAL FUND MANAGEMENT S.A. | $28379217 | 800994 | 0.93% | 股份 |
| D. E. Shaw & Co., Inc. | $28103076 | 793200 | 0.92% | 买入期权 |
| NORTHERN TRUST CORP | $27816163 | 785102 | 0.91% | 股份 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $27113906 | 765281 | 0.89% | 股份 |
| MILLENNIUM MANAGEMENT LLC | $27098529 | 764847 | 0.88% | 股份 |
| FMR LLC | $25033004 | 706548 | 0.82% | 股份 |
| WOLVERINE TRADING, LLC | $23226696 | 440400 | 0.76% | 卖出期权 |
| VANGUARD FIDUCIARY TRUST CO | $21373396 | 603257 | 0.70% | 股份 |
| Balyasny Asset Management L.P. | $19725971 | 556759 | 0.64% | 股份 |
| HSBC HOLDINGS PLC | $18300044 | 508900 | 0.60% | 买入期权 |
| PEAK6 LLC | $16683987 | 470900 | 0.54% | 卖出期权 |
| Walleye Capital LLC | $15912711 | 449131 | 0.52% | 股份 |
| FIRST TRUST ADVISORS LP | $13429954 | 379056 | 0.44% | 股份 |
| D. E. Shaw & Co., Inc. | $12832746 | 362200 | 0.42% | 卖出期权 |
| Pathstone Holdings, LLC | $11878899 | 335278 | 0.39% | 股份 |
| Squarepoint Ops LLC | $11695939 | 330114 | 0.38% | 股份 |
| FRED ALGER MANAGEMENT, LLC | $10746805 | 303325 | 0.35% | 股份 |
| Hidden Lake Asset Management LP | $9977584 | 281614 | 0.33% | 股份 |
| Bank of New York Mellon Corp | $9681085 | 273245 | 0.32% | 股份 |
| Nuveen, LLC | $9514621 | 268547 | 0.31% | 股份 |
| Caption Management, LLC | $8857500 | 250000 | 0.29% | 买入期权 |
| Alberta Investment Management Corp | $8460684 | 238800 | 0.28% | 股份 |
公司内部人士 16 位内幕人士 · 7 位高管 · 10 位董事
| 内部人士 | 角色 | 上次活动 | 持股数量 | 买入 12个月 | 卖出 12个月 | 净额 12个月 |
|---|---|---|---|---|---|---|
| Paul Gu | Chief Executive Officer | 2026年9月10日 P | 130000 | 4 | 0 | $6575300 |
| Andrea Blankmeyer | Chief Financial Officer | 2026年8月19日 S | 152208 | 0 | 5 | $-507363 |
| Sanjay Datta | President, Capital& Enterprise | 2026年9月8日 M | 476578 | 0 | 11 | $-5267388 |
| Natalia Mirgorodskaya | Chief Accounting Officer and Controller | 2026年8月25日 S | 35875 | 0 | 10 | $-200965 |
| Scott Darling | Chief Legal Officer | 2026年8月20日 S | 73306 | 0 | 12 | $-1414721 |
| Alison Nicoll | General Counsel and Secretary | 2022年6月24日 M | 412983 | 0 | 0 | $0 |
| Anna M. Counselman | SVP, People and Operations | 2022年2月20日 A | 19143 | 0 | 0 | $0 |
| Peter J Bernard | 董事 | 2026年5月29日 A | 11392 | 0 | 0 | $0 |
| Ciaran O'Kelly | 董事 | 2026年5月29日 A | 39484 | 0 | 0 | $0 |
| Mary Hentges | 董事 | 2026年5月29日 A | 37149 | 0 | 0 | $0 |
| Kerry Whorton Cooper | 董事 | 2026年5月29日 A | 6476 | 0 | 1 | $-75000 |
| Hilliard C. Terry III | 董事 | 2026年5月29日 A | 37432 | 0 | 0 | $0 |
| Timothy H Wennes | 董事 | 2026年5月29日 A | 6476 | 0 | 0 | $0 |
| Dave Girouard | 董事 | 2026年5月7日 M | 9348016 | 2 | 0 | $5000066 |
| Jeff Huber | 董事 | 2025年5月27日 A | 29671 | 0 | 0 | $0 |
| Cassidy Sukhinder Singh | 董事 | 2024年12月2日 M | 8278 | 0 | 0 | $0 |
来自SEC表格3/4/5申报的内部人士；净额=仅公开市场买卖
ETF持仓 由 32 只交易所交易基金持有
权重仅反映直接股权持仓（N-PORT）；杠杆基金或基于衍生品的基金可能持有未显示的额外掉期敞口。
| 基金 | 权重 | 单位 | 截至 | 来源 |
|---|---|---|---|---|
| FYC · First Trust Exchange-Traded Alpha... | 0.31% | 145809 NS | 2026年7月31日 | N-PORT |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.18% | 91282 SH | 2026年8月19日 | 每日 |
| IWO · iShares Trust | 0.14% | 811069 SH | 2026年9月11日 | 每日 |
| BKSE · BNY Mellon ETF Trust | 0.10% | 3228 NS | 2026年7月31日 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.09% | 492357 SH | 2026年8月19日 | 每日 |
| BBSC · J.P. Morgan Exchange-Traded Fund ... | 0.09% | 22603 NS | 2026年7月31日 | N-PORT |
| VBK · VANGUARD INDEX FUNDS | 0.08% | 1070193 SH | 2026年8月19日 | 每日 |
| RSSL · Global X Funds | 0.08% | 40971 NS | 2026年7月31日 | N-PORT |
| ISCG · iShares Trust | 0.07% | 27161 SH | 2026年9月11日 | 每日 |
| IWM · iShares Trust | 0.07% | 2197618 SH | 2026年9月11日 | 每日 |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.07% | 76982 SH | 2026年10月2日 | 每日 |
| FAD · First Trust Exchange-Traded Alpha... | 0.06% | 13210 NS | 2026年7月31日 | N-PORT |
| FYX · First Trust Exchange-Traded Alpha... | 0.05% | 24621 NS | 2026年7月31日 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.05% | 268504 NS | 2026年7月31日 | N-PORT |
| ESML · iShares Trust | 0.04% | 48843 SH | 2026年9月11日 | 每日 |
| OMFS · Invesco Exchange-Traded Self-Inde... | 0.04% | 4211 SH | 2026年10月2日 | 每日 |
| VXF · VANGUARD INDEX FUNDS | 0.03% | 967149 SH | 2026年8月19日 | 每日 |
| VB · VANGUARD INDEX FUNDS | 0.03% | 1859762 SH | 2026年8月19日 | 每日 |
| VFH · VANGUARD WORLD FUND | 0.03% | 135095 SH | 2026年8月19日 | 每日 |
| FNCL · FIDELITY COVINGTON TRUST | 0.03% | 21806 NS | 2026年7月31日 | N-PORT |
| WSML · iShares Trust | 0.02% | 5107 SH | 2026年9月11日 | 每日 |
| TECB · iShares Trust | 0.01% | 2672 SH | 2026年9月11日 | 每日 |
| ESGV · VANGUARD WORLD FUND | 0.01% | 18892 SH | 2026年8月19日 | 每日 |
| ITOT · iShares Trust | 0.00% | 122084 SH | 2026年9月11日 | 每日 |
| IWV · iShares Trust | 0.00% | 23327 SH | 2026年9月11日 | 每日 |
| DCOR · Dimensional ETF Trust | 0.00% | 1194 NS | 2026年7月31日 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 16131 NS | 2026年7月31日 | N-PORT |
| TILT · FlexShares Trust | 0.00% | 316 NS | 2026年7月31日 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 2576682 SH | 2026年8月19日 | 每日 |
| VT · VANGUARD INTERNATIONAL EQUITY IND... | 0.00% | 70548 SH | 2026年8月19日 | 每日 |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 7204 SH | 2026年8月19日 | 每日 |
| ISCB · iShares Trust | · | 3904 SH | 2026年9月11日 | 每日 |
UPST 分析师共识 看涨和看跌分析师观点、12个月价格目标、上涨空间
评级 · 21 位分析师
买入
中位数目标
$39.50
+73.2%
4 19.0%
强烈买入
9 42.9%
买入
7 33.3%
持有
1 4.8%
卖出
0 0.0%
强烈卖出
12个月价格目标
16 位分析师 · 2026-10-01平均目标 $40.00 +75.4%
现在
当前价格 $22.81
最低$20.00
平均值$40.00
最高$61.00
同行比较（GICS 子行业） 关键指标与行业同行对比
财年依据，价格截至各公司上一个财年末收盘价。
| 股票代码 | 市值 | P/E | 营收同比增长 | 净利润率 | ROE | 毛利率 |
|---|---|---|---|---|---|---|
| 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% | · |
最新新闻 提及该公司的近期头条新闻
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来源：SEC 10-Q/A 于 八月 5, 2026 申报