Upstart Holdings, Inc. (UPST)

47.12 -0.67 (-1.39%)

As of 2025-10-16 22:20:45 EST

Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google.

Traded asNasdaq: UPST
ISINUS91680M1071
CIK0001647639
LEI549300WNB47JRNENIC75
EIN464332431
SectorFinancial technology
IndustryFinance Services
CEO—
Employees1,193
Fiscal Year End1231
Address2950 S. DELAWARE STREET, SUITE 410, SAN MATEO, CA, 94403
Phone(650) 204-1000
Websitehttps://upstart.com
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
UPSTUpstart Holdings, Inc.2025-10-16 22:20:4547.12-0.67-1.39
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
UPST0001647639Upstart Holdings, Inc.US91680M1071549300WNB47JRNENIC75464332431Nasdaq6199Finance Services1231DE2950 S. DELAWARE STREET, SUITE 410SAN MATEOCA94403UNITED STATESUS(650) 204-10002950 S. DELAWARE STREET, SUITE 410, SAN MATEO, CA, 944032950 S. DELAWARE STREET, SUITE 410, SAN MATEO, CA, 94403—Financial technology2012—1,193https://upstart.com1,827,095,15796,091,34396,217,742Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google.2025-10-10 20:01:23
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UPST Stock Price (End-of-Day)
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UPST Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
20241,827,095,157-767,180,920-29.572193,710,9967,280,7328.4238
20232,594,276,077359,923,93816.108686,430,2645,043,8356.1974
20222,234,352,139-4,430,661,081-66.476481,386,429-2,669,702-3.1761
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Paul GuChief Technology Officer2024450,00001,575,926749,6944,5004,403,184
Scott DarlingChief Legal Officer, Corporate Secretary2024435,0000787,976483,0594,5002,557,459
Dave GirouardChief Executive Officer2024500,00000801,12407,113,468
Sanjay DattaChief Financial Officer2024450,00001,575,926749,6944,5004,403,184
Scott DarlingChief Legal Officer, Corporate Secretary2023410,00092,6030180,6564,500687,759
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Employee Count
Fiscal YearEmployee Count
20241,193
20231,388
20221,875
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Income Statements
Fiscal Year202420232022
Revenue636,528,000513,562,000842,444,000
Cost Of Revenue———
Gross Profit———
Research And Development Expenses253,653,000280,138,000237,247,000
General And Administrative Expenses230,935,000212,388,000185,290,000
Operating Expenses809,384,000770,087,000956,307,000
Operating Income-172,856,000-256,525,000-113,863,000
Net Income-128,581,000-240,132,000-108,665,000
Earnings Per Share Basic-1.44-2.87-1.31
Earnings Per Share Diluted-1.44-2.87-1.31
Weighted Average Shares Outstanding Basic89,450,03883,765,89682,771,268
Weighted Average Shares Outstanding Diluted89,450,03883,765,89682,771,268
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Balance Sheet Statements
Fiscal Year202420232022
Cash And Cash Equivalents788,422,000467,787,000532,467,000
Marketable Securities Current———
Accounts Receivable———
Inventories———
Non Trade Receivables22,055,00014,847,0006,181,000
Other Assets Current———
Total Assets Current———
Marketable Securities Non Current———
Property Plant And Equipment39,013,00042,655,00044,168,000
Other Assets Non Current———
Total Assets Non Current———
Total Assets2,366,958,0002,017,100,0001,936,054,000
Accounts Payable12,381,00012,613,00018,715,000
Deferred Revenue———
Short Term Debt———
Other Liabilities Current———
Total Liabilities Current———
Long Term Debt296,790,000——
Other Liabilities Non Current———
Total Liabilities Non Current———
Total Liabilities1,733,740,0001,381,795,0001,263,619,000
Common Stock9,0009,0008,000
Retained Earnings-411,157,000-282,576,000-42,444,000
Accumulated Other Comprehensive Income———
Total Shareholders Equity633,218,000635,305,000672,435,000
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Cash Flow Statements
Fiscal Year202420232022
Depreciation And Amortization04,300,0004,300,000
Share Based Compensation Expense133,400,000175,039,000125,945,000
Other Non Cash Income Expense—3,869,000-3,047,000
Change In Accounts Receivable———
Change In Inventories———
Change In Non Trade Receivables———
Change In Other Assets8,690,0008,932,000-4,173,000
Change In Accounts Payable—-6,127,00011,878,000
Change In Other Liabilities———
Cash From Operating Activities186,331,000-160,493,000-674,681,000
Purchases Of Marketable Securities———
Sales Of Marketable Securities———
Acquisition Of Property Plant And Equipment837,0001,527,0008,825,000
Acquisition Of Business—00
Other Investing Activities———
Cash From Investing Activities-237,726,000-118,455,000-114,125,000
Tax Withholding For Share Based Compensation22,00015,00016,000
Payments Of Dividends———
Issuance Of Common Stock—00
Repurchase Of Common Stock00177,883,000
Issuance Of Long Term Debt387,281,000——
Repayment Of Long Term Debt———
Other Financing Activities———
Cash From Financing Activities559,871,000214,268,000130,032,000
Change In Cash508,476,000-64,680,000-658,774,000
Cash At End Of Period788,422,000467,787,000532,467,000
Income Taxes Paid258,000-658,000328,000
Interest Paid43,119,00036,547,00012,473,000
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Key Metrics
Fiscal Year202420232022
Earnings Per Share-1.44-2.87-1.31
Price To Earnings Ratio-42.7569-14.2369-10.0916
Earnings Growth Rate-49.8258119.084-175.7225
Price Earnings To Growth Ratio0.8581-0.11960.0574
Book Value Per Share7.0797.58438.124
Price To Book Ratio8.69755.38751.6273
Ebitda-127,261,000-201,596,000-93,194,000
Enterprise Value5,015,806,839.66——
Dividend Yield———
Dividend Payout Ratio———
Debt To Equity Ratio0.4687——
Capital Expenditures-3,642,0002,787,00024,209,000
Free Cash Flow189,973,000-163,280,000-698,890,000
Return On Equity-0.2031-0.378-0.1616
One Year Beta2.77473.97742.8935
Three Year Beta3.09032.91542.6286
Five Year Beta2.86212.87842.6286
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
Darling ScottChief Legal Officer2025-10-011,000A124,898
Darling ScottChief Legal Officer2025-10-011,000D123,898
Darling ScottChief Legal Officer2025-10-011,000D198,527
Darling ScottChief Legal Officer2025-09-171,000A124,898
Darling ScottChief Legal Officer2025-09-171,000D123,898
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House Trading
Name Of Reporting PersonReport DateStateTransaction TypeTransaction DateOwner TypeAmount
Thomas Suozzi2022-05-20NY03Sale2022-05-16—$1,001 - $15,000
Thomas Suozzi2022-05-20NY03Purchase2022-05-05—$15,001 - $50,000
Thomas Suozzi2022-05-20NY03Purchase2022-05-05—$15,001 - $50,000
Thomas Suozzi2022-05-20NY03Sale2022-05-16—$1,001 - $15,000
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
Portman Square Capital LLP2025-09-30462,2809,10050.8
NVWM, LLC2025-09-302,1844350.7907
City State Bank2025-09-3010,16020050.8
Blue Trust, Inc.2025-09-30254550.8
CWM, LLC2025-09-30122,0002,39650.9182
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
TRUST FOR PROFESSIONAL MANAGERS2025-08-31Column Small Cap Select FundCFSSX55,7634,086,312.640.2845
Tidal Trust II2025-07-31YieldMax Ultra Option Income Strategy ETFULTY1,524,700124,628,9784.8131
Advisors' Inner Circle Fund III2025-07-31I SharesKCXIX36930,162.060.0124
INVESCO EXCHANGE-TRADED FUND TRUST2025-07-31Invesco RAFI US 1500 Small-Mid ETFPRFZ35,2372,880,272.380.1215
Northern Lights Fund Trust IV2025-07-31Main Thematic Innovation ETFTMAT22,3201,824,436.80.9944
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