Upstart Holdings, Inc.
UPST
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Upstart Holdings is positioned to capitalize on the growing demand for alternative credit scoring solutions, enhancing access to loans for underserved markets.
- Revenue increased by 18% from the previous quarter, reaching $365 million.
- The company has a strong operating margin of 68.93% in Q2 2026.
- Upstart faces significant competition in the credit services industry, which may impact its market share and profitability.
- The company's net income was negative in Q1 2026, at -$6.646 million.
- The stock has a sell signal with a score of -6.00, indicating potential downward trends.
Fundamentals
| Market cap | $2.35B | Enterprise value | $3.95B | Trailing P/E | 48.38 | Forward P/E | 6.96 |
| PEG | — | Price / book | 2.95 | Beta | 2.43 | Dividend yield | 0.00% |
| Revenue growth | 42.3% | Earnings growth | 211.2% | Gross margin | 83.0% | Operating margin | 7.2% |
| Profit margin | 4.7% | ROE | 7.9% | ROA | 2.0% | Debt / equity | 2.58 |
| Current ratio | 10.46 | Free cash flow | -$132.38M | Analyst recommendation | buy | Mean target | $40.00 |
| 52w high | $55.22 | 52w low | $22.56 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $365M | $308M | $276M | $277M | $257M |
| Op margin | 0.7% | 0.3% | 7.3% | 0.4% | 0.4% |
| Net income | $16.5M | -$6.6M | $18.6M | $31.8M | $5.6M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | $2.5M | $1.0M | $20.1M | $1.0M | $1.1M |
- Revenue +18% vs prior quarter ($365M vs $308M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $1.0B | $629M | $508M | $838M | — |
| Op margin | 2.4% | 3.0% | 4.2% | 1.1% | — |
| Net income | $53.6M | -$129M | -$240M | -$109M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | $24.3M | $18.8M | $21.2M | $9.5M | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · Upstart Expands Credit Union Network With Denver Partnership
2026-10-08 · Will PGY's Expanding Funding Base Reduce Its Reliance on ABS Markets?
2026-10-07 · Credit Union of Denver Partners with Upstart to Expand Access to Personal Lending
2026-10-06 · 1 No-Brainer Artificial Intelligence (AI) ETF to Buy With $100 and Hold Forever
2026-10-06 · Upstart Holdings, Inc. (UPST) Stock Sinks As Market Gains: Here's Why
2026-10-06 · Upstart to Announce Third Quarter 2026 Results on November 3, 2026
2026-10-06 · Stocks making big moves yesterday: Harley-Davidson, Illumina, TechnipFMC, Upstart, and DraftKings
2026-10-06 · Does Upstart (UPST) Expanding Credit Union HELOCs Reveal a Durable Edge in AI Lending Platforms?
2026-10-06 · Why Is Upstart (UPST) Stock Soaring Today
2026-10-05 · Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
2026-10-05 · Upstart Publishes September 2026 Originations and Latest UMI
2026-10-05 · Is Upstart Stock a Buy, Sell, or Hold At Its New 52-Week Low?
Price (daily)
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