Upstart Holdings, Inc. Common stock (UPST)

Price$33.61

Value ScoreD

Growth ScoreB

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-20.96%

Price vs S&P 500 (4W)-1.76%

VGM Score56.89

Market Capitalization$3.15B

P/E Ratio (Annual)58.74x

All Metrics

Book Value / Share (Quarterly)$8.15

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)-33.66%

Gross Margin (TTM)82.18%

Net Profit Margin (TTM)4.34%

EPS (TTM)$0.44

10-Day Avg Trading Volume4.91M

EPS Excl Extra (TTM)$0.44

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)$6.65

P/E Basic Excl Extra (TTM)63.74x

Revenue Growth QoQ (YoY)44.45%

EPS Growth (5Y)43.73%

P/E Normalized (Annual)58.74x

ROA (Last FY)1.80%

Revenue Growth TTM (YoY)57.69%

EBITD / Share (TTM)$0.67

ROE (5Y Avg)-10.16%

Operating Margin (TTM)4.11%

Cash Flow / Share (Annual)$-1.69

P/B Ratio3.94x

P/B Ratio (Quarterly)5.33x

Net Income / Employee (Annual)$38,200

EV / Revenue (TTM)4.14x

Net Interest Coverage (TTM)3.73x

ROA (TTM)2.01%

EV / EBITDA (TTM)57.90x

EPS Incl Extra (Annual)$0.50

Current Ratio (Annual)2.15x

Quick Ratio (Quarterly)2.15x

3-Month Avg Trading Volume5.07M

52-Week Price Return-27.63%

P/E Incl Extra (TTM)63.74x

Revenue / Employee (TTM)$810,500

Tangible BV / Share (Quarterly)$8.06

P/S Ratio (Annual)3.02x

Asset Turnover (Annual)0.35x

52-Week High$87.30

Operating Margin (5Y Avg)-12.80%

EPS Excl Extra (Annual)$0.50

CapEx CAGR (5Y)26.85%

26-Week Price Return-5.03%

Quick Ratio (Annual)2.15x

13-Week Price Return13.89%

Total Debt / Equity (Annual)2.29x

Current Ratio (Quarterly)2.15x

Enterprise Value$4.33B

Revenue / Share Growth (5Y)25.09%

Asset Turnover (TTM)0.39x

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 Dev67.51%

Gross Margin (5Y Avg)78.33%

Net Income / Employee (TTM)$35,200

EBITDA CAGR (5Y)39.70%

EBITDA Interim CAGR (5Y)32.61%

ROE (Last FY)6.71%

Net Interest Coverage (Annual)1.96x

EPS Basic Excl Extra (Annual)$0.50

P/FCF (TTM)30.09x

Total Debt / Equity (Quarterly)2.29x

EPS Incl Extra (TTM)$0.44

ROI (TTM)2.28%

P/S Ratio (TTM)2.77x

Pretax Margin (5Y Avg)-11.78%

Revenue / Share (Annual)$9.71

Tangible BV / Share (Annual)$8.06

Forward P/E12.21x

Price vs S&P 500 (52W)-55.84%

P/E Ratio (TTM)63.74x

Year-to-Date Return-22.73%

5-Day Price Return18.31%

EPS Normalized (Annual)$0.50

ROA (5Y Avg)-2.74%

Net Profit Margin (Annual)5.13%

Month-to-Date Return7.00%

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)63.74x

LT Debt / Equity (Quarterly)2.29x

EPS Basic Excl Extra (TTM)$0.44

P/TBV (Quarterly)5.38x

P/B Ratio (Annual)5.33x

Pretax Margin (TTM)4.41%

Book Value / Share (Annual)$8.15

Price vs S&P 500 (13W)4.14%

Net Margin Growth (5Y)14.91%

Beta2.33x

P/FCF (Annual)17.86x

Revenue / Share (TTM)$11.75

ROE (TTM)7.29%

52-Week Low$23.96

vGradeD

gGradeB

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 260.30est. 0.43

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

3.71

3.68

3.76

Industry Peers — Finance Services(152)

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About

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.