profit from every $100 of sales.
$0$100
Upstart Holdings
$20.56+0.73% today
-47.2% in 1 year
1-year low $20.411-year high $50.70
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $37.94 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Upstart Holdings sold, what it kept, and what it did with the cash.
Sales went from $838 million in 2022 to $1.02 billion in 2025, with $53.6 million of profit last year.
SalesProfit
Upstart Holdings vs. similar companies
Upstart Holdings grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Upstart Holdings | 37.9× · Expensive | ||
 Sunbelt Rentals Holdings | 22.6× · Fair price | ||
 Global Payments | 18.9× · Fair price | ||
 Synchrony Financial | 6.6× · Cheap | ||
 SoFi Technologies | 43.9× · Expensive |
AI analysis
An AI analyst reads Upstart Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 838 | 508 | 629 | 1,024 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| -109 | -240 | -129 | 54 | |
| -1.31 | -2.87 | -1.44 | 0.45 | |
| – | – | – | – | |
| – | – | – | – | |
| -13.0% | -47.3% | -20.4% | 5.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,936 | 2,017 | 2,367 | 2,975 |
| Cash | 432 | 377 | 794 | 657 |
| Total debt | 1,087 | 1,103 | 1,452 | 1,850 |
| Total liabilities | 1,264 | 1,382 | 1,734 | 2,176 |
| 672 | 635 | 633 | 799 | |
| 83 | 84 | 89 | 107 | |
| – | – | – | – | |
| -16.2% | -37.8% | -20.3% | 6.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -658 | -112 | 186 | -148 | |
| 23 | 12 | 10 | 18 | |
| -681 | -124 | 176 | -166 | |
| Dividends paid | – | – | – | – |
| 178 | 0 | 0 | – | |
| 126 | 175 | 133 | 132 |
Valuation
- 37.9×
- 10.4×
- –
- 3.9×
- 2.0×
- –
- –
- -8.2%
- 2.6%
- 0.0%
Profitability
- 95.7%
- 4.2%
- 5.2%
- 6.3%
- 1.8%
- -3.1%
- 6.6%
- 1.7%
- 1.8%
- 6.9%
Growth
- +6.9%
- –
- −194.2%
- –
- +5.3%
Financial health
- 14.2×
- 2.70
- 66.8%
- 1.4×
- 4.03
- 4.03
- 0.39
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 34%of 748
Bottom 21%of 603
Bottom 14%of 873
Bottom 44%of 883
Bottom 13%of 933
What analysts expect
- Average price target
- $45.17
- Range
- $30.00 – $56.00
- 3 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 0.30 | 0.39 | −23.1% |
| Feb 10, 2026 | 0.46 | 0.47 | −2.1% |
| Nov 4, 2025 | 0.52 | 0.42 | +23.8% |
| Aug 5, 2025 | 0.36 | 0.27 | +33.3% |
| May 6, 2025 | 0.30 | 0.19 | +57.9% |
| Feb 11, 2025 | 0.26 | -0.04 | +750.0% |
| Nov 7, 2024 | -0.06 | -0.15 | +59.1% |
| Aug 6, 2024 | -0.17 | -0.39 | +56.4% |
News
3 Key Takeaways From Upstart's Latest ReportYahoo Finance · Nov 3, 2026Upstart Lends Money It Doesn't Hold. What Does That Do to the Stock in a Downturn?Yahoo Finance · Sep 26, 2026Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the MarketYahoo Finance · Sep 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
20No pass
Benjamin Graham
21No pass
Philip Fisher
27No pass
Peter Lynch
28No pass
Joel Greenblatt
8No pass
Charlie Munger
18No pass
Terry Smith
22No pass
Questions about Upstart Holdings
Is Upstart Holdings a good stock to buy?
A business with weak numbers, but the price is high. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Upstart Holdings AI analysis
What does Upstart Holdings do?
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. It is in Financial - Credit Services, based in San Mateo, CA, United States, with 1,405 employees.
Does Upstart Holdings pay a dividend?
No. Upstart Holdings does not pay a dividend at the moment.
Is Upstart Holdings stock halal?
No. Upstart Holdings does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Upstart Holdings stock done over the past year?
Down 47.2% over the past twelve months, to $20.56. It traded between $20.41 and $50.70 and is 59.4% below its high.
Who are Upstart Holdings's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Upstart Holdings's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.