UPST
Upstart Holdings, Inc.Company Information
- Company Name
- Upstart Holdings, Inc.
- CIK
- CIK0001647639
- Category
- Large accelerated filer
- Ticker: Exchange
- UPST: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6199
- SIC Description
- Finance Services
- Ticker
- UPST
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-05-13
- Last sale
- 2026-06-09
- Shares purchased (TTM)
- 320,240
- Shares sold (TTM)
- 368,881
Institutional Sentiment
- As of
- 2026-03-31
- Institutional shares owned
- 55,659,885
- Shares outstanding
- 96,901,974
- Ownership
- 57.44%
Earnings Market Reaction
- Filing date
- 2026-08-04
- Price on filing date
- —
- 1-month reaction
- -4.09%
- 3-month reaction
- Pending
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||
| Cash | - | - | - | - | - | - | - | 445 | 375 | 301 | 368 | 517 | ||||||
| Property Plant And Equipment Net | 49 | 48 | 44 | 44 | 44 | 42 | 39 | 38 | 40 | 41 | 43 | 48 | ||||||
| Operating Lease Right Of Use Asset | 19 | 14 | 16 | 35 | 38 | 41 | 43 | 46 | 49 | 52 | 55 | 77 | ||||||
| Notes Receivable Fair Value Disclosure | 120 | 105 | - | - | - | - | - | - | - | - | - | - | ||||||
| Equity Securities Without Readily Determinable Fair Value Amount | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 | ||||||
| Goodwill | 67 | 67 | 67 | 67 | 67 | 67 | 67 | 67 | 67 | 67 | 67 | 67 | ||||||
| Other Assets | 170 | 155 | 255 | 335 | 300 | 234 | 160 | 173 | 144 | 145 | 146 | 144 | ||||||
Liabilities | ||||||||||||||||||
| Accounts Payable Current And Noncurrent | - | - | - | - | - | - | - | - | - | - | 13 | 7 | ||||||
| Accrued Liabilities And Other Liabilities | 171 | 125 | 171 | 116 | 127 | 79 | 134 | 112 | 77 | 62 | 84 | 52 | ||||||
| Operating Lease Liability | 22 | 18 | 21 | 41 | 44 | 47 | 50 | 53 | 56 | 59 | 62 | 93 | ||||||
Stockholders Equity | ||||||||||||||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital | 1,145 | 1,097 | 1,156 | 1,120 | 1,130 | 1,090 | 1,044 | 1,004 | 996 | 960 | 918 | 881 | ||||||
| Retained Earnings Accumulated Deficit | -348 | -364 | -358 | -376 | -408 | -414 | -411 | -408 | -402 | -347 | -283 | -240 | ||||||
| Liabilities And Stockholders Equity | 3,171 | 2,962 | 2,975 | 2,905 | 2,478 | 2,296 | 2,367 | 1,809 | 1,820 | 1,928 | 2,017 | 2,002 | ||||||
| Variable Interest Entity Primary Beneficiary | 1 | 2 | 1 | 1 | -0 | 0 | 1 | 2 | -1 | 1 | 2 | -1 | ||||||
| Other Assets Fair Value Disclosure | 55 | 46 | 139 | 229 | 195 | 131 | 51 | 71 | 51 | 46 | 49 | 43 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||
| Common Stock Shares Authorized | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | 700 | ||||||
| Common Stock Shares Issued | 97 | 96 | 98 | 97 | 96 | 95 | 93 | 91 | 89 | 88 | 86 | 85 | ||||||
| Shares Outstanding | 97 | 96 | 98 | 97 | 96 | 95 | 93 | 91 | 89 | 88 | 86 | 85 | ||||||
Variable Interest Entity V I E Or Potential V I E Information Unavailability Disclosures | ||||||||||||||||||
| Cash And Cash Equivalents At Carrying Value | 456 | 473 | 652 | 490 | 396 | 600 | 788 | - | - | - | 368 | - | ||||||
| Restricted Cash | 526 | 458 | 405 | 347 | 306 | 240 | 188 | 210 | 186 | 139 | 99 | 98 | ||||||
| Notes Receivable Net | 1,064 | 1,014 | 985 | 1,230 | 1,020 | 815 | 806 | 656 | 821 | 1,081 | 1,156 | 972 | ||||||
| Assets | 3,171 | 2,962 | 2,975 | 2,905 | 2,478 | 2,296 | 2,367 | 1,809 | 1,820 | 1,928 | 2,017 | 2,002 | ||||||
| Debt Longterm And Shortterm Combined Amount | 2,003 | 1,922 | 1,829 | 1,856 | 1,428 | 1,335 | 1,402 | 887 | 913 | 1,005 | 1,040 | 1,003 | ||||||
| Liabilities | 2,374 | 2,229 | 2,176 | 2,161 | 1,756 | 1,620 | 1,734 | 1,213 | 1,226 | 1,315 | 1,382 | 1,361 | ||||||
| Stockholders Equity | 797 | 733 | 799 | 744 | 722 | 677 | 633 | 596 | 595 | 613 | 635 | 641 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialUpstart Holdings, Inc. (UPST) — SEC Financial Statements & Analysis
Upstart Holdings, Inc. (UPST) is a finance services company, incorporated in DE. Upstart Holdings, Inc. trades on Nasdaq as: UPST. Upstart Holdings, Inc. (UPST)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-04. Based on that filing, Upstart Holdings, Inc. carries a market cap of $3.42B, a P/E ratio of 56.71x, a P/B ratio of 4.29x, a P/S ratio of 2.75x, an enterprise value of $2.44B, and an EV/EBITDA multiple of 32.40x. On profitability, it posts a gross margin of 103.19%, an operating margin of 3.99%, a net margin of 4.84%, a Return on Equity (ROE) of 7.94%, and a Return on Invested Capital (ROIC) of 57.95%. Per share, it reports EPS of $0.62, diluted EPS of $0.55, free cash flow per share of $-2.99, and a dividend per share of $0.00. Over the trailing year, it posted revenue growth of 46.30% year-over-year, net income growth of -1049.69% year-over-year, and EPS growth of -1039.39% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 0.51x, free cash flow of $-289.05M (TTM), and net debt of $-982.28M. Figures sourced from SEC EDGAR.
- Market Cap
- $3.42B
- P/E TTM
- 56.71x
- EPS TTM
- $0.62
- P/B TTM
- 4.29x
- ROE TTM
- 7.94%
- Free Cash Flow TTM
- $-289.05M
- Net Revenue TTM Growth 1Y
- 46.30%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Upstart Holdings, Inc. in?
Upstart Holdings, Inc. (UPST) operates in the Finance Services industry.
What exchange does UPST trade on?
Upstart Holdings, Inc. (UPST) trades on the Nasdaq.
Where is Upstart Holdings, Inc. incorporated?
Upstart Holdings, Inc. is incorporated in DE.
When was Upstart Holdings, Inc. (UPST)'s most recent SEC filing?
Upstart Holdings, Inc. (UPST)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-04.
What is UPST's market cap?
Upstart Holdings, Inc. (UPST) has a market capitalization of $3.42B as of 2026-06-30.
What is UPST's P/E ratio?
Upstart Holdings, Inc. (UPST)'s trailing twelve month P/E ratio is 56.71x as of 2026-06-30.
What is UPST's EPS (earnings per share)?
Upstart Holdings, Inc. (UPST)'s trailing twelve month EPS is $0.62 as of 2026-06-30.
What is UPST's ROE (return on equity)?
Upstart Holdings, Inc. (UPST)'s trailing twelve month Return on Equity (ROE) is 7.94% as of 2026-06-30.
What is UPST's ROIC (return on invested capital)?
Upstart Holdings, Inc. (UPST)'s trailing twelve month Return on Invested Capital (ROIC) is 57.95% as of 2026-03-31.
What is UPST's EV/EBITDA?
Upstart Holdings, Inc. (UPST)'s trailing twelve month EV/EBITDA is 32.40x as of 2026-06-30.