Upstart 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 2026-09-30, filed with the SEC on 2026-11-03. Based on that filing, Upstart Holdings, Inc. carries a market cap of $2.25B, a P/E ratio of 34.60x, a P/B ratio of 2.54x, a P/S ratio of 1.68x, an enterprise value of $1.12B, and an EV/EBITDA multiple of 12.84x. On profitability, it posts a gross margin of 103.27%, an operating margin of 4.63%, a net margin of 4.86%, a Return on Equity (ROE) of 7.98%, and a Return on Invested Capital (ROIC) of 24.07%. Per share, it reports EPS of $0.66, diluted EPS of $0.52, free cash flow per share of $-1.91, and a dividend per share of $0.00. Over the trailing year, it posted revenue growth of 38.56% year-over-year, net income growth of 102.13% year-over-year, and EPS growth of 99.42% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 0.73x, free cash flow of $-186.96M (TTM), and net debt of $-1.13B. Figures sourced from SEC EDGAR.

Market Cap

$2.25B

P/E TTM

34.60x

EPS TTM

$0.66

P/B TTM

2.54x

ROE TTM

7.98%

Free Cash Flow TTM

$-186.96M

Net Revenue TTM Growth 1Y

38.56%

Data as of 2026-09-30 · Source: SEC EDGAR