What is Upstart Holdings, Inc. (UPST) stock price today?

Upstart Holdings, Inc. (UPST) is currently trading at $24.19, up 0.71% today.

What is UPST P/E ratio?

Upstart Holdings, Inc.'s P/E ratio is 37.00. This is above the market average, reflecting high growth expectations.

What is UPST return on equity (ROE)?

Upstart Holdings, Inc.'s return on equity (ROE) is 7.85%, indicating how efficiently the company generates profit from shareholders' equity. This is below the typical market average of 12-15%.

What is Upstart Holdings, Inc.'s market cap?

Upstart Holdings, Inc. has a market capitalization of $2.32B.

NASDAQ · Financial - Credit Services

Upstart Holdings, Inc. (UPST) Stock

$24.19 +0.71% NASDAQ: UPST Financial Services

Valuation

Metric	Value
Price	$24.19
Market Cap	$2.32B
P/E Ratio	37.00
P/B Ratio	2.78
P/S Ratio	1.71
EPS (TTM)	$0.45
52-Week High	$55.22
52-Week Low	$22.60
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	7.85%
ROA	1.90%
ROCE	1.99%
Gross Margin	95.67%
Operating Margin	4.23%
Net Margin	4.69%
Debt/Equity	2.54
Current Ratio	2.99

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
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 Margin	15.7%	-12.8%	-43.8%	-19.0%	5.0%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
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)

Metric	2021	2022	2023	2024	2025
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

Metric	Value
PEG Ratio	0.03
EV / EBITDA	43.20
FCF Yield	-13.48%
Quick Ratio	14.10
Interest Coverage	1.03
Return 1Y	-64.20%
Return 3Y	-47.13%
Return 5Y	-75.43%

Ownership

Insiders Held13.01%

Institutions Held61.66%

Institutions Float Held70.88%

Institutional Holder	Shares	Report Date
Blackrock Inc.	7,403,079	2026-03-31
Morgan Stanley	3,975,059	2026-03-31
Vanguard Capital Management LLC	3,752,050	2026-03-31
Vanguard Portfolio Management LLC	3,743,541	2026-03-31
Marshall Wace LLP	3,280,110	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AAPLApple Inc.	$340.42	+1.11%	38.93	$5.00T	0.32%
MSFTMicrosoft Corporation	$522.61	-1.35%	28.68	$3.88T	0.76%
GOOGLAlphabet Inc.	$348.29	-0.63%	16.94	$4.22T	0.26%
AMZNAmazon.com, Inc.	$254.06	-2.25%	19.82	$2.73T	0.00%
METAMeta Platforms, Inc.	$720.89	-0.06%	27.93	$1.84T	0.28%

About Upstart Holdings, Inc.

Upstart Holdings, Inc. (UPST) stock trades at $24.19 with a market capitalization of $2.32B. The stock is valued at a price-to-earnings (P/E) ratio of 37.00, price-to-book of 2.78, price-to-sales of 1.71. Over the past 52 weeks the stock has ranged between $22.60 and $55.22, and currently trades 56.2% below its 52-week high.

On profitability, Upstart Holdings, Inc. generates a return on equity (ROE) of 7.85%, return on capital employed of 1.99%, an operating margin of 4.23%, a net profit margin of 4.69%.

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