Upstart Holdings, Inc. Common stock (UPST) Stock Price

UPSTStock

$23.56−50.70%52W

Market Cap$2.25B

P/E42.77x

PEG Ratio0.84

Div yield—

Beta2.50

UPST Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-30.12%

Price vs S&P 500 (4W)-6.57%

PEG Ratio0.84

VGM Score54.27

P/E Ratio (Annual)42.77x

Book Value / Share (Quarterly)$8.20

P/TBV (Annual)5.38x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)7.41%

Cash Flow / Share (Quarterly)$-1.69

Price vs S&P 500 (YTD)-58.05%

Gross Margin (TTM)82.50%

Net Profit Margin (TTM)4.84%

EPS (TTM)$0.54

10-Day Avg Trading Volume4.21M

EPS Excl Extra (TTM)$0.54

Revenue Growth (5Y)34.93%

EPS (Annual)$0.50

ROI (Annual)2.04%

Gross Margin (Annual)81.95%

Net Profit Margin (5Y Avg)-11.75%

Cash / Share (Quarterly)$4.69

P/E Basic Excl Extra (TTM)38.00x

Revenue Growth QoQ (YoY)41.75%

EPS Growth (5Y)43.73%

P/E Normalized (Annual)42.77x

ROA (Last FY)1.80%

Revenue Growth TTM (YoY)46.30%

EBITD / Share (TTM)$0.77

ROE (5Y Avg)-10.16%

Operating Margin (TTM)4.57%

Cash Flow / Share (Annual)$-1.69

P/B Ratio2.87x

P/B Ratio (Quarterly)4.25x

Net Income / Employee (Annual)$38,200

EV / Revenue (TTM)4.09x

Net Interest Coverage (TTM)3.73x

ROA (TTM)2.22%

EPS Growth QoQ (YoY)176.51%

EV / EBITDA (TTM)45.61x

EPS Incl Extra (Annual)$0.50

Current Ratio (Annual)2.15x

Quick Ratio (Quarterly)1.55x

3-Month Avg Trading Volume4.34M

52-Week Price Return-50.70%

P/E Incl Extra (TTM)38.00x

Revenue / Employee (TTM)$886,900

Tangible BV / Share (Quarterly)$8.12

P/S Ratio (Annual)2.20x

Asset Turnover (Annual)0.35x

52-Week High$55.22

Operating Margin (5Y Avg)-12.80%

EPS Excl Extra (Annual)$0.50

CapEx CAGR (5Y)26.85%

26-Week Price Return-20.22%

Quick Ratio (Annual)2.15x

13-Week Price Return-20.16%

Total Debt / Equity (Annual)2.29x

Current Ratio (Quarterly)1.55x

Enterprise Value$3.84B

Revenue / Share Growth (5Y)25.09%

Asset Turnover (TTM)0.31x

Book Value / Share Growth (5Y)14.75%

Revenue / Employee (Annual)$743,000

Pretax Margin (Annual)5.20%

Cash / Share (Annual)$6.65

3-Month Return Std Dev51.64%

Gross Margin (5Y Avg)78.33%

Net Income / Employee (TTM)$42,900

EBITDA CAGR (5Y)39.70%

EBITDA Interim CAGR (5Y)-10.68%

ROE (Last FY)6.71%

Net Interest Coverage (Annual)1.96x

EPS Basic Excl Extra (Annual)$0.50

P/FCF (TTM)21.91x

Total Debt / Equity (Quarterly)2.51x

EPS Incl Extra (TTM)$0.54

ROI (TTM)2.50%

P/S Ratio (TTM)1.84x

Pretax Margin (5Y Avg)-11.78%

Revenue / Share (Annual)$9.71

Tangible BV / Share (Annual)$8.06

Forward P/E8.48x

Price vs S&P 500 (52W)-66.23%

P/E Ratio (TTM)38.00x

Year-to-Date Return-46.12%

5-Day Price Return-0.80%

EPS Normalized (Annual)$0.50

ROA (5Y Avg)-2.74%

Net Profit Margin (Annual)5.13%

Month-to-Date Return2.48%

EBITD / Share (Annual)$0.69

Operating Margin (Annual)4.78%

LT Debt / Equity (Annual)2.29x

ROI (5Y Avg)-3.23%

P/E Excl Extra (TTM)38.00x

LT Debt / Equity (Quarterly)2.51x

EPS Basic Excl Extra (TTM)$0.54

P/TBV (Quarterly)4.29x

P/B Ratio (Annual)5.33x

Pretax Margin (TTM)4.95%

Book Value / Share (Annual)$8.15

Price vs S&P 500 (13W)-22.85%

Net Margin Growth (5Y)14.91%

Beta2.50x

P/FCF (Annual)13.00x

Revenue / Share (TTM)$11.36

ROE (TTM)8.59%

52-Week Low$22.21

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UPST Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 4, 2026	$0.55	$0.57	+2.74%(+$0.02)
Q1 2026	May 5, 2026	$0.43	$0.30	-28.96%(-$0.12)
Q4 2025	Feb 10, 2026	$0.46	$0.50	+7.58%(+$0.03)
Q3 2025	Nov 4, 2025	$0.42	$0.52	+23.42%(+$0.10)
Q2 2025	Aug 5, 2025	$0.25	$0.36	+41.65%(+$0.11)

UPST Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.76

Industry Peers — Finance Services(179)

Symbol	Value Score	Growth Score	Momentum Score	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
UPSTUpstart Holdings, Inc. Common stock	D	A	C	42.8x	8.6%	4.6%	34.9%	$23.56
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COINCoinbase Global, Inc. Class A Common Stock	D	C	B	36.2x	-6.9%	9.9%	41.2%	$173.16
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About Upstart Holdings, Inc. Common stock

Upstart Holdings Inc operates a cloud-based AI lending platform that connects borrowers with AI-enabled bank partners. The platform facilitates lending across three segments: Personal Lending (unsecured and small-dollar loans), Auto Lending (refinance, retail, and secured loans), and other products including HELOCs. Upstart's proprietary artificial intelligence technology streamlines credit decisioning to reduce risk and expand lending access.