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Upstart

(NASDAQ) UPST

Current Price$34.53
Market Cap$3.13B
Since IPO (2020)+11%
5 Year-78%
1 Year-30%
1 Month-1%

Upstart Financials at a Glance

Market Cap

$3.13B

Revenue (TTM)

$1.16B

Net Income (TTM)

$49.40M

EPS (TTM)

$0.39

P/E Ratio

84.38

Dividend

$0.00

Beta (Volatility)

2.85 (High)

Price

$34.53

Volume

153,987

Open

$33.93

Previous Close

$32.69

Daily Range

$32.62 - $34.65

52-Week Range

$23.97 - $87.30

About Upstart

Industry

Consumer Finance

Employees

1,405

CEO

Dave Girouard, MBA

Headquarters

San Mateo, CA 94403, US

UPST Financials

Key Financial Metrics (TTM)

Gross Margin

96%

Operating Margin

4%

Net Income Margin

4%

Return on Equity

7%

Return on Capital

2%

Return on Assets

2%

Earnings Yield

1.19%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$3.13B

Shares Outstanding

95.71M

Volume

153.99K

Avg. Volume

4.84M

Financials (TTM)

Gross Profit

$1.02B

Operating Income

$54.33M

EBITDA

$79.16M

Operating Cash Flow

-$147.73M

Capital Expenditure

-$18.41M

Free Cash Flow

-$166.13M

Cash & ST Invst.

$657.45M

Total Debt

$1.85B

Upstart Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$308.21M

+39.8%

Gross Profit

$302.36M

+41.7%

Gross Margin

98.10%

N/A

Market Cap

$3.13B

N/A

Market Cap/Employee

$2.62M

N/A

Employees

1,193

N/A

Net Income

-$6.65M

-171.6%

EBITDA

-$1.66M

-141.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Net Cash

-$1.05B

-34.8%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$1.97B

+57.0%

Short Term Debt

$7.50M

-94.1%

Return on Assets

1.67%

N/A

Return on Invested Capital

1.80%

N/A

Free Cash Flow

-$140.29M

-614.1%

Operating Cash Flow

-$133.30M

-888.4%

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Questions About UPST

What is the current price of Upstart?

Upstart is trading at $34.56 per share.

What is the 52-week range for Upstart?

Over the past 52 weeks, Upstart has traded between $23.97 and $87.30.

How much debt does Upstart have?

As of the most recent reporting period, Upstart reported total debt of $1.98B.

How much cash does Upstart have on hand?

Upstart reported $931.33M in cash and cash equivalents in its most recent financial results.

What is Upstart’s dividend yield?

Upstart does not currently have a dividend yield.

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