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Upstart

(NASDAQ) UPST

Current Price$26.00
Market Cap$2.55B
Since IPO (2020)-12%
5 Year-79%
1 Year-48%
1 Month-18%

Upstart Financials at a Glance

Market Cap

$2.55B

Revenue (TTM)

$1.08B

Net Income (TTM)

$53.60M

EPS (TTM)

$0.43

P/E Ratio

60.42

Dividend

$0.00

Beta (Volatility)

2.89 (High)

Price

$26.00

Volume

1,761

Open

$26.29

Previous Close

$26.00

Daily Range

$25.94 - $27.28

52-Week Range

$24.93 - $87.30

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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

95%

Operating Margin

5%

Net Income Margin

5%

Return on Equity

7%

Return on Capital

2%

Return on Assets

2%

Earnings Yield

1.66%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$2.55B

Shares Outstanding

98.06M

Volume

1.76K

Short Interest

0.00%

Avg. Volume

5.22M

Financials (TTM)

Gross Profit

$1.02B

Operating Income

$54.33M

EBITDA

$79.16M

Operating Cash Flow

$147.72M

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
Q4 2025YOY CHG

Revenue

$304.17M

+34.4%

Gross Profit

$276.22M

+30.7%

Gross Margin

90.81%

N/A

Market Cap

$2.55B

N/A

Market Cap/Employee

$2.14M

N/A

Employees

1,193

N/A

Net Income

$18.64M

+776.4%

EBITDA

$25.62M

+1146.9%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$1.19B

-81.1%

Accounts Receivable

$97.42M

+38.6%

Inventory

$0.00

N/A

Long Term Debt

$1.75B

+39.5%

Short Term Debt

$97.33M

-50.2%

Return on Assets

1.80%

N/A

Return on Invested Capital

2.11%

N/A

Free Cash Flow

$104.63M

+191.5%

Operating Cash Flow

$108.55M

+197.9%

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Questions About UPST

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