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Upstart Holdings, Inc. Common stock (UPST)
Price$33.09
Favorite Metrics
Price vs S&P 500 (26W)-39.53%
Price vs S&P 500 (4W)23.33%
Market Capitalization$3.27B
P/E Ratio (Annual)61.03x
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)-26.36%
Gross Margin (TTM)81.95%
Net Profit Margin (TTM)5.13%
EPS (TTM)$0.48
10-Day Avg Trading Volume4.25M
EPS Excl Extra (TTM)$0.48
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)61.03x
Revenue Growth QoQ (YoY)35.22%
EPS Growth (5Y)43.73%
P/E Normalized (Annual)61.03x
ROA (Last FY)1.80%
Revenue Growth TTM (YoY)63.99%
EBITD / Share (TTM)$0.95
ROE (5Y Avg)-10.16%
Operating Margin (TTM)4.78%
Cash Flow / Share (Annual)$-1.69
P/B Ratio4.10x
P/B Ratio (Quarterly)5.33x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)4.26x
Net Interest Coverage (TTM)3.73x
ROA (TTM)2.01%
EV / EBITDA (TTM)44.91x
EPS Incl Extra (Annual)$0.50
Current Ratio (Annual)2.15x
Quick Ratio (Quarterly)2.15x
3-Month Avg Trading Volume4.96M
52-Week Price Return-16.52%
P/E Incl Extra (TTM)61.03x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$8.06
P/S Ratio (Annual)3.13x
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-35.55%
Quick Ratio (Annual)2.15x
13-Week Price Return-26.28%
Total Debt / Equity (Annual)2.29x
Current Ratio (Quarterly)2.15x
Enterprise Value$4,448.081
Revenue / Share Growth (5Y)25.09%
Asset Turnover (TTM)0.39x
Book Value / Share Growth (5Y)14.75%
Revenue / Employee (Annual)$1
Pretax Margin (Annual)5.20%
Cash / Share (Annual)$6.65
3-Month Return Std Dev76.15%
Gross Margin (5Y Avg)78.33%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)38.27%
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)31.26x
Total Debt / Equity (Quarterly)2.29x
EPS Incl Extra (TTM)$0.48
ROI (TTM)2.28%
P/S Ratio (TTM)3.13x
Pretax Margin (5Y Avg)-11.78%
Revenue / Share (Annual)$9.71
Tangible BV / Share (Annual)$8.06
Forward P/E17.06x
Price vs S&P 500 (52W)-46.35%
P/E Ratio (TTM)61.03x
Year-to-Date Return-23.71%
5-Day Price Return21.71%
EPS Normalized (Annual)$0.50
ROA (5Y Avg)-2.74%
Net Profit Margin (Annual)5.13%
Month-to-Date Return30.06%
EBITD / Share (Annual)$0.92
Operating Margin (Annual)4.78%
LT Debt / Equity (Annual)2.29x
ROI (5Y Avg)-3.23%
P/E Excl Extra (TTM)61.03x
LT Debt / Equity (Quarterly)2.29x
EPS Basic Excl Extra (TTM)$0.48
P/TBV (Quarterly)5.38x
P/B Ratio (Annual)5.33x
Pretax Margin (TTM)5.20%
Book Value / Share (Annual)$8.15
Price vs S&P 500 (13W)-26.96%
Net Margin Growth (5Y)14.91%
Beta2.41x
P/FCF (Annual)18.55x
Revenue / Share (TTM)$9.30
ROE (TTM)7.29%
52-Week Low$23.96
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.70
3.71
3.68
3.76
Industry Peers — Finance Services(109)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
UPSTUpstart Holdings, Inc. Common stock | 61.03x | 7.29% | 4.78% | 34.93% | $33.09 |
AXPAmerican Express Company | 20.67x | 33.49% | 17.76% | 15.25% | $325.76 |
COINCoinbase Global, Inc. Class A Common Stock | 41.05x | 9.44% | 19.99% | 41.24% | $199.82 |
MSTRStrategy Inc Common Stock Class A | — | -7.97% | -1140.82% | -0.15% | $148.94 |
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.06 |
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $76.11 |
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $98.83 |
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $74.75 |
SYFSYNCHRONY FINANCIAL | 7.44x | 21.09% | 18.39% | 0.89% | $75.17 |
CRCLCircle Internet Group, Inc. | 126.06x | -2.62% | -2.63% | — | $107.46 |
SOFISoFi Technologies, Inc. Common Stock | 49.78x | 5.87% | -19.92% | — | $19.03 |
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.