Upstart Holdings Inc
Research Upstart Holdings Inc (UPST) on Bullrun: market cap USD 2.98B, P/E 62.6. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerUPST
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Market capUSD 2.98B
- P/E62.6
- Financial periodQ2 2026
- RevenueUSD 364.71M
- Net incomeUSD 16.54M
- Free cash flow-USD 142.88M
Valuation Snapshot
latest market cap is USD 2.98B; P/E is 62.6.
Peer valuation comparison
Latest P/E is 62.61x versus a Financial Services sector median of 13.84x (352.5% above).
Latest P/E is 62.61x versus a United States median of 24.87x (151.8% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 1.04B | USD 53.60M | -USD 148.07M | n/a | 0.45 | USD 652.39M | USD 1.85B | USD 798.82M |
| FY2024 | USD 636.53M | -USD 128.58M | USD 185.49M | n/a | -1.44 | USD 788.42M | USD 1.45B | USD 633.22M |
| FY2023 | USD 513.56M | -USD 240.13M | -USD 113.24M | n/a | -2.87 | USD 368.41M | USD 1.10B | USD 635.31M |
| FY2022 | USD 907.27M | -USD 108.67M | -USD 666.69M | n/a | -1.31 | USD 532.47M | USD 1.02B | USD 672.44M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 2.98B | 62.6 | n/a | n/a |
| 2025 | 2025-12-31 | USD 4.29B | 101.7 | n/a | n/a |
| 2024 | 2024-12-31 | USD 5.75B | n/a | n/a | n/a |
| 2023 | 2023-12-29 | USD 3.48B | n/a | n/a | n/a |
| 2022 | 2022-12-30 | USD 1.08B | n/a | n/a | n/a |
| 2021 | 2021-12-31 | USD 12.66B | 108.1 | n/a | n/a |
About Upstart Holdings Inc
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
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Frequently asked questions
What is Upstart Holdings Inc's market cap?
Upstart Holdings Inc's market capitalization is USD 2.98B.
What is Upstart Holdings Inc's P/E ratio?
Upstart Holdings Inc's price-to-earnings (P/E) ratio is 62.6.
What does Upstart Holdings Inc do?
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.