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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| UPST | -45.08% | -59.05% | -16.35% | +32% |
| S&P | +14.43% | +77.25% | +12.13% | +88% |
Upstart provides a lending platform that uses a unique proprietary model driven by artificial intelligence to determine a borrower's creditworthiness.
A sudden swell of uncertainty mars a decent quarterly earnings report.
Upstart and Affirm will recover as the macro environment stabilizes.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $296.09M | 35.2% |
| Gross Profit | $289.63M | 35.2% |
| Gross Margin | 97.82% | 0.0% |
| Market Cap | $4.25B | -24.3% |
| Market Cap / Employee | $3.03M | 0.0% |
| Employees | 1.4K | 17.8% |
| Net Income | $18.64M | 776.4% |
| EBITDA | $25.38M | 49864.7% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $1.06B | 8.3% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $1.89B | 23.7% |
| Short Term Debt | $10.61M | -31.1% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.01% | 7.9% |
| Return On Invested Capital | -2.99% | -1.1% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $108.40M | 197.7% |
| Operating Free Cash Flow | $108.55M | 197.9% |
| Metric | Q3 2025 | YoY Change | |||
|---|---|---|---|---|---|
| Price to Earnings | 223.00 | - | |||
| Price to Book | 6.79 | 9.09 | 6.76 | 5.72 | -39.20% |
| Price to Sales | 8.92 | 6.01 | 7.81 | 5.77 | -10.79% |
| Price to Tangible Book Value | 7.73 | 10.24 | 7.56 | 6.37 | -41.05% |
| Price to Free Cash Flow TTM | 23.65 | 30.59 | 36.14 | - | |
| Enterprise Value to EBITDA | 3276.62 | 477.40 | 251.32 | 263.54 | -100.34% |
| Free Cash Flow Yield | 4.2% | 3.3% | 2.8% | - | |
| Return on Equity | -10.3% | -1.0% | 4.8% | 7.5% | -136.93% |
| Total Debt | $1.46B | $1.54B | $1.95B | $1.90B | 23.19% |
We've also got a look at Hindenburg Research's report on Adani Group.
Shares of Upstart Holdings are down more than 70% year to date. It's down, but not out.
And a look at what's going on with Upstart Holdings.
Here are some of the top stories around the financial sector that investors need to know.
UPST earnings call for the period ending December 31, 2024.
UPST earnings call for the period ending September 30, 2024.
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