NASDAQ · Financial - Credit Services

UPST (UPST) Stock

$27.44 +1.48% NASDAQ: UPST Financial Services

Valuation

MetricValue
Price$27.44
Market Cap$2.63B
P/E Ratio67.90
P/B Ratio3.42
P/S Ratio2.43
EPS (TTM)$0.45
52-Week High$87.30
52-Week Low$23.96
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE7.01%
ROA1.77%
ROCE6.76%
Gross Margin95.67%
Operating Margin4.23%
Net Margin4.25%
Debt/Equity2.70
Current Ratio2.99

Annual Financials (USD)

Metric20212022202320242025
Revenue$850.0M$853.0M$548.0M$677.0M$1.1B
Operating Profit$134.0M$-109.0M$-240.0M$-128.0M$54.0M
Net Profit$135.0M$-109.0M$-240.0M$-129.0M$54.0M
EPS$1.43$-1.31$-2.87$-1.44$0.45
Op Margin15.7%-12.8%-43.8%-19.0%5.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.8B$1.9B$2.0B$2.4B$3.0B
Total Liabilities$1.0B$1.3B$1.4B$1.7B$2.2B
Cash$995.0M$432.0M$377.0M$794.0M$657.0M
Borrowings$796.0M$1.1B$1.1B$1.5B$1.9B

Latest News

Upstart Holdings, Inc. (UPST) Falls More Steeply Than Broader Market: What Investors Need to Know Zacks · Jul 22, 2026 Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know Zacks · Jul 22, 2026 Why Upstart Stock Lost 19% in the First Half of 2026 Motley Fool · Jul 22, 2026 Upstart (UPST) Stock Still Looks Fully Valued Following A 75% Slump Simply Wall St. · Jul 19, 2026 8x8, DoubleVerify, and Upstart Shares Are Falling, What You Need To Know StockStory · Jul 17, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$168.0M$-658.0M$-112.0M$186.0M$-148.0M
Investing Cash Flow$-159.0M$-137.0M$-131.0M$-248.0M$-196.0M
Financing Cash Flow$-56.0M$-195.0M$-49.0M$-32.0M$-10.0M
Net Cash Flow$880.0M$-659.0M$-65.0M$508.0M$81.0M
Free Cash Flow$153.0M$-681.0M$-124.0M$176.0M$-166.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.78
EV / EBITDA42.14
FCF Yield-10.60%
Quick Ratio4.03
Interest Coverage1.04
Return 1Y-64.20%
Return 3Y-47.13%
Return 5Y-75.43%

Ownership

Insiders Held13.01%
Institutions Held61.66%
Institutions Float Held70.88%
Institutional HolderSharesReport Date
Blackrock Inc.7,403,0792026-03-31
Morgan Stanley3,975,0592026-03-31
Vanguard Capital Management LLC3,752,0502026-03-31
Vanguard Portfolio Management LLC3,743,5412026-03-31
Marshall Wace LLP3,280,1102026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AX $99.49 +3.77% 10.99 $5.66B 0.00%
BGC $10.51 -4.11% 32.07 $4.98B 0.67%
CACC $557.99 +0.95% 14.30 $5.84B 0.00%
JSMNavient Corporation SR NT 6% 121543 $17.74 +0.29% -29.51 $4.86B 8.46%
LAZ $40.67 -4.89% 21.80 $4.00B 0.00%

About UPST

UPST stock trades at $27.44 with a market capitalization of $2.63B. The stock is valued at a price-to-earnings (P/E) ratio of 67.90, price-to-book of 3.42, price-to-sales of 2.43. Over the past 52 weeks the stock has ranged between $23.96 and $87.30, and currently trades 68.6% below its 52-week high.

On profitability, UPST generates a return on equity (ROE) of 7.01%, return on capital employed of 6.76%, an operating margin of 4.23%, a net profit margin of 4.25%.

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