Upstart is a lending platform based in San Mateo, California. It was first launched in April 2012 with an Income Share Agreement (ISA) product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well.
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| UPST | Upstart Holdings, Inc. | 2026-10-15 14:06:13 | 24.38 | 1.62 | 7.12 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UPST | 0001647639 | Upstart Holdings, Inc. | US91680M1071 | 549300WNB47JRNENIC75 | 464332431 | Nasdaq | 6199 | Finance Services | 1231 | DE | 220 PARK ROAD | BURLINGAME | CA | 94010 | UNITED STATES | US | (650) 204-1000 | 220 PARK ROAD, BURLINGAME, CA, 94010 | 220 PARK ROAD, BURLINGAME, CA, 94010 | — | Financial technology | 2012 | — | 1,193 | https://upstart.com | 5,437,795,847 | 97,306,813 | 97,313,046 | Upstart is a lending platform based in San Mateo, California. It was first launched in April 2012 with an Income Share Agreement (ISA) product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. | 2026-10-09 02:16:14 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2025 | 5,437,795,847 | 3,610,700,690 | 197.6197 | 98,061,276 | 4,350,280 | 4.6422 |
| 2024 | 1,827,095,157 | -767,180,920 | -29.5721 | 93,710,996 | 7,280,732 | 8.4238 |
| 2023 | 2,594,276,077 | 359,923,938 | 16.1086 | 86,430,264 | 5,043,835 | 6.1974 |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Paul Gu | Chief Technology Officer | 2025 | 482,083 | 0 | 1,955,498 | 408,337 | 4,500 | 4,849,814 |
| Scott Darling | Corporate Secretary, Chief Legal Officer | 2025 | 435,000 | 0 | 977,782 | 328,002 | 4,500 | 2,750,983 |
| Dave Girouard | Chief Executive Officer | 2025 | 536,667 | 0 | 0 | 536,603 | 0 | 9,670,835 |
| Sanjay Datta | Chief Financial Officer | 2025 | 482,083 | 0 | 1,955,498 | 385,900 | 4,500 | 4,827,377 |
| Scott Darling | Corporate Secretary, Chief Legal Officer | 2024 | 435,000 | 0 | 787,976 | 483,059 | 4,500 | 2,557,459 |
| Fiscal Year | Employee Count |
|---|---|
| 2025 | 1,405 |
| 2024 | 1,193 |
| 2023 | 1,388 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | 1,043,857,000 | 636,528,000 | 513,562,000 |
| Cost Of Revenue | — | — | — |
| Gross Profit | 1,043,857,000 | 636,528,000 | 513,562,000 |
| Research And Development Expenses | 257,602,000 | 253,653,000 | 280,138,000 |
| General And Administrative Expenses | 253,740,000 | 230,935,000 | 212,388,000 |
| Operating Expenses | 1,001,226,000 | 809,384,000 | 770,087,000 |
| Operating Income | 42,631,000 | -172,856,000 | -256,525,000 |
| Net Income | 53,601,000 | -128,581,000 | -240,132,000 |
| Earnings Per Share Basic | 0.56 | -1.44 | -2.87 |
| Earnings Per Share Diluted | 0.45 | -1.44 | -2.87 |
| Weighted Average Shares Outstanding Basic | 96,030,558 | 89,450,038 | 83,765,896 |
| Weighted Average Shares Outstanding Diluted | 107,492,735 | 89,450,038 | 83,765,896 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Cash And Cash Equivalents | 652,388,000 | 788,422,000 | 467,787,000 |
| Marketable Securities Current | — | — | — |
| Accounts Receivable | — | — | — |
| Inventories | — | — | — |
| Non Trade Receivables | 97,416,000 | 22,055,000 | 14,847,000 |
| Other Assets Current | — | — | — |
| Total Assets Current | — | — | — |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 44,174,000 | 39,013,000 | 42,655,000 |
| Other Assets Non Current | — | — | — |
| Total Assets Non Current | — | — | — |
| Total Assets | 2,974,805,000 | 2,366,958,000 | 2,017,100,000 |
| Accounts Payable | 31,981,000 | 12,381,000 | 12,613,000 |
| Deferred Revenue | — | — | — |
| Short Term Debt | — | — | — |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | — | — | — |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 2,175,990,000 | 1,733,740,000 | 1,381,795,000 |
| Common Stock | 10,000 | 9,000 | 9,000 |
| Retained Earnings | -357,556,000 | -411,157,000 | -282,576,000 |
| Accumulated Other Comprehensive Income | — | — | — |
| Total Shareholders Equity | 798,815,000 | 633,218,000 | 635,305,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Depreciation And Amortization | 24,835,000 | 20,549,000 | 24,903,000 |
| Share Based Compensation Expense | 131,950,000 | 133,400,000 | 175,039,000 |
| Other Non Cash Income Expense | — | — | 3,869,000 |
| Change In Accounts Receivable | — | — | — |
| Change In Inventories | — | — | — |
| Change In Non Trade Receivables | — | — | — |
| Change In Other Assets | 10,831,000 | 8,690,000 | 8,932,000 |
| Change In Accounts Payable | — | — | -6,127,000 |
| Change In Other Liabilities | 39,558,000 | 44,124,000 | 2,171,000 |
| Cash From Operating Activities | -147,725,000 | 186,331,000 | -160,493,000 |
| Purchases Of Marketable Securities | — | 0 | 0 |
| Sales Of Marketable Securities | — | — | — |
| Acquisition Of Property Plant And Equipment | 347,000 | 837,000 | 1,527,000 |
| Acquisition Of Business | — | — | 0 |
| Other Investing Activities | — | 0 | 0 |
| Cash From Investing Activities | -177,171,000 | -237,726,000 | -118,455,000 |
| Tax Withholding For Share Based Compensation | — | 22,000 | 15,000 |
| Payments Of Dividends | — | — | — |
| Issuance Of Common Stock | 25,300,000 | 21,414,000 | 0 |
| Repurchase Of Common Stock | — | 0 | 0 |
| Issuance Of Long Term Debt | 294,218,000 | 387,281,000 | 626,910,000 |
| Repayment Of Long Term Debt | — | — | 575,937,000 |
| Other Financing Activities | — | — | — |
| Cash From Financing Activities | 405,645,000 | 559,871,000 | 214,268,000 |
| Change In Cash | 80,749,000 | 508,476,000 | -64,680,000 |
| Cash At End Of Period | 652,388,000 | 788,422,000 | 467,787,000 |
| Income Taxes Paid | 590,000 | 258,000 | -658,000 |
| Interest Paid | 43,483,000 | 43,119,000 | 36,547,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Earnings Per Share | 0.56 | -1.44 | -2.87 |
| Price To Earnings Ratio | 78.0893 | -42.7569 | -14.2369 |
| Earnings Growth Rate | -138.8889 | -49.8258 | 119.084 |
| Price Earnings To Growth Ratio | -0.5622 | 0.8581 | -0.1196 |
| Book Value Per Share | 8.3183 | 7.079 | 7.5843 |
| Price To Book Ratio | 5.2571 | 8.6975 | 5.3875 |
| Ebitda | 172,872,000 | -106,712,000 | -180,993,000 |
| Enterprise Value | — | — | — |
| Dividend Yield | — | — | — |
| Dividend Payout Ratio | — | — | — |
| Debt To Equity Ratio | — | — | — |
| Capital Expenditures | 29,996,000 | 16,907,000 | 23,390,000 |
| Free Cash Flow | -177,721,000 | 169,424,000 | -183,883,000 |
| Return On Equity | 0.0671 | -0.2031 | -0.378 |
| One Year Beta | 2.4387 | 2.7747 | 3.9774 |
| Three Year Beta | 2.8875 | 3.0903 | 2.9154 |
| Five Year Beta | 2.7743 | 2.8621 | 2.8784 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Gu Paul | Director, Chief Executive Officer | 2026-09-10 | 50,000 | A | 130,000 |
| Datta Sanjay | President, Capital& Enterprise | 2026-09-08 | 300,000 | A | 592,578 |
| Datta Sanjay | President, Capital& Enterprise | 2026-09-08 | 116,000 | D | 476,578 |
| Datta Sanjay | President, Capital& Enterprise | 2026-09-08 | 300,000 | D | 302,607 |
| Mirgorodskaya Natalia | — | 2026-08-25 | 913 | D | 35,875 |
| Name Of Reporting Person | Report Date | State | Transaction Type | Transaction Date | Owner Type | Amount |
|---|---|---|---|---|---|---|
| Thomas Suozzi | 2022-05-20 | NY03 | Sale | 2022-05-16 | — | $1,001 - $15,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Purchase | 2022-05-05 | — | $15,001 - $50,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Purchase | 2022-05-05 | — | $15,001 - $50,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Sale | 2022-05-16 | — | $1,001 - $15,000 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| Cedar Mountain Advisors, LLC | 2026-09-30 | 2,299 | 100 | 22.99 |
| Portman Square Capital LLP | 2026-09-30 | 1,039,746 | 45,226 | 22.99 |
| GHP Investment Advisors, Inc. | 2026-09-30 | 23 | 1 | 23 |
| Triumph Capital Management | 2026-09-30 | 4,598 | 200 | 22.99 |
| Fortitude Family Office, LLC | 2026-09-30 | 21,818 | 949 | 22.9905 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| CALAMOS INVESTMENT TRUST/IL | 2026-07-31 | Class R6 | CVSOX | -97,500 | -2,675,400 | -0.0145 |
| CALAMOS INVESTMENT TRUST/IL | 2026-07-31 | Class I | CMNIX | -97,500 | -2,675,400 | -0.0145 |
| CALAMOS INVESTMENT TRUST/IL | 2026-07-31 | Class C | CVSCX | -97,500 | -2,675,400 | -0.0145 |
| CALAMOS INVESTMENT TRUST/IL | 2026-07-31 | Class A | CVSIX | -97,500 | -2,675,400 | -0.0145 |
| CALDWELL & ORKIN FUNDS INC | 2026-07-31 | Caldwell & Orkin - Gator Capital Long/Short Fund | COAGX | 37,000 | 1,015,280 | 1.28 |