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UPST
Upstart Holdings, Inc.
NASDAQ· Financial Services· Credit Services· CUSIP 91680M107
$23.85+0.80%Price as of Oct 23, 00:43 UTC · updated once a day, after the close
At a glance
Upstart Holdings, Inc. (UPST) is listed on NASDAQ and classified in Credit Services, part of the Financial Services sector. It is headquartered in San Mateo, United States and has 1,405 employees. The company is worth $2.32B and trades at 47.7x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $1.04B in fiscal 2025, up 64.0% from the year before. Net income was $53.6M. The share price is 56.8% below its 52-week high of $55.22. 7 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Baillie Gifford (Baillie Gifford & Co), at $38.38M. In that quarter, 3 of them opened or added to the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Key metrics
- Market cap
- $2.32B
- P/E
- 47.7x
- Forward P/E
- 6.7x
- P/B
- 2.9x
- Dividend yield
- 0.00%
- Payout
- —
- EPS
- $0.50
- ROE
- 7.94%
- Profit margin
- 4.69%
- Revenue growth
- +42.30%
- Beta
- 2.43
- 52-week high
- $55.22
- 52-week low
- $22.21
History
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▼ -88.5% over 5Y.
today you would have $73.16▼ -92.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 6 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Year-end price | $43.73 | $61.57 | $40.86 | $13.22 | $151.30 | $40.75 | |
| P/E | — | 97.2x | — | — | — | 105.8x | — |
| P/S | 8.0x | 4.1x | 9.1x | 6.9x | 1.3x | 15.0x | 12.8x |
| P/B | 7.3x | 5.4x | 9.1x | 5.6x |
Fair price, seven ways
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Earnings
$9.60
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Earnings
$6.58
Median P/E of 13.2 among peers in the sector.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividends
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| NTBBank of N.T. Butterfield & Son Ltd | $58.65 | 10.3x | 2.0x | 3.41% | 21.14% | $2.31B |
| NWBINorthwest Bancshares, Inc. | $15.44 | 14.4x | 1.2x | 5.18% | 8.57% | $2.26B |
| MBINMerchants Bancorp | $48.77 | 9.8x | 1.2x | 0.90% | 11.73% | $2.24B |
| PURRHyperliquid Strategies Inc |
About the company
- 1,405
- San Mateo, United States