Upstart Holdings, Inc.
Built from real-time financials, refreshed daily. For a full Analyst Grade with bull/bear case, price targets, and qualitative risk analysis, generate a UPST research report →
About the company
Upstart Holdings, Inc. , together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
- CEO
- Paul Gu
- IPO
- 2020
- Employees
- 1,405
- HQ
- San Mateo, CA, US
Price Chart
- Market Cap
- $3.33B
- P/E
- 68.18
- P/S
- 2.86
- P/B
- 4.60
- EV/EBITDA
- 59.52
- Div Yield
- 0.00%
- Gross Margin
- 95.67%
- Op Margin
- 4.23%
- Net Margin
- 4.25%
- ROE
- 6.59%
- ROIC
- 1.77%
- Revenue
- $1.08B · 58.87%
- Net Income
- $53.60M · 141.69%
- EPS
- $0.56 · 138.89%
- Op Income
- $54.33M
- FCF YoY
- -194.21%
- 52W High
- $87.30
- 52W Low
- $23.96
- 50D MA
- $31.36
- 200D MA
- $38.75
- Beta
- 2.28
- Avg Volume
- 4.70M
Get TickerSpark's AI analysis on UPST
Create an account to generate AI analysis on any ticker — technical setup, analyst consensus, earnings watch, insider pulse, financial health, and peer context. Ready in about a minute.
Get Pro Access →Already have an account? Log in
Recent insider transactions
Who's buying, who's selling, and how much.
| Date | Insider | Type | Shares |
|---|---|---|---|
| Jun 9, 26 | Datta Sanjay | sell | 15,000 |
| May 29, 26 | Wennes Timothy H | other | 6,476 |
| May 29, 26 | Terry Hilliard C. III | other | 6,476 |
| May 29, 26 | Hentges Mary | other | 6,476 |
| May 29, 26 | Bernard Peter J | other | 6,476 |
| May 29, 26 | Cooper Kerry Whorton | other | 6,476 |
| May 29, 26 | O'Kelly Ciaran | other | 6,476 |
| May 28, 26 | Wennes Timothy H | other | 0 |
| May 26, 26 | Mirgorodskaya Natalia | sell | 974 |
| May 20, 26 | Darling Scott | sell | 6,634 |
Our UPST coverage
Recent articles, reports, and earnings notes.

What to Watch as Old Glory Bank's SPAC Merger Heads to a Vote
Old Glory Bank is a digital-first, FDIC-insured bank focused on personal and small-business banking, and it is going public through a merger with Digital Asset Acquisition Corp. (DAAQ), with closing expected in Q2 2026. The setup is attractive if you believe in the brand-led growth story, but shareholders should watch redemption risk, dilution from warrants, and whether the financing package actually lands as disclosed.

Happen, Inc. IPO Preview: Rebrand Confusion Clouds the Listing
Happen, Inc. Common Stock is expected to list on NASDAQ on 2026-06-22, but the price range has not been disclosed. The key question is whether this is a true IPO or a ticker change tied to LendingClub’s Happen Bank rebrand; the setup favors caution until the filing trail is clear.

7 AI in Finance Stocks Worth Watching Right Now
These seven stocks offer different ways to invest in AI across lending, fraud, compliance, workflow software, and financial infrastructure.
Want a deeper read on UPST?
Generate a full analyst-grade report — bull/bear case, price targets, valuation depth, and a complete financial breakdown.
Similar companies
Peers in the same neighborhood.