Upstart holdings, inc.UPST.US Overview
UPST Overall Performance
UPST AI Analysis & Strategy
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UPST Current Performance
2.19%
Upstart holdings, inc.
0.36%
Avg of Sector
0.83%
S&P500
UPST Key Information
UPST Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
UPST Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
UPST Profile
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Price of UPST
UPST FAQ
When is UPST's latest earnings report released?
The most recent financial report for Upstart holdings, inc. (UPST) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UPST's short-term business performance and financial health. For the latest updates on UPST's earnings releases, visit this page regularly.
What is the operating profit of UPST?
According to the latest financial report, Upstart holdings, inc. (UPST) reported an Operating Profit of 4.54M with an Operating Margin of 1.77% this period, representing a growth of 108.19% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is UPST's revenue growth?
In the latest financial report, Upstart holdings, inc. (UPST) announced revenue of 257.29M, with a Year-Over-Year growth rate of 101.59%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much debt does UPST have?
As of the end of the reporting period, Upstart holdings, inc. (UPST) had total debt of 1.54B, with a debt ratio of 0.62. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
How much cash does UPST have?
At the end of the period, Upstart holdings, inc. (UPST) held Total Cash and Cash Equivalents of 701.46M, accounting for 0.28 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does UPST go with three margins increasing?
In the latest report, Upstart holdings, inc. (UPST) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 1.77%%, and net margin of 2.2%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UPST's profit trajectory and future growth potential.
Is UPST's EPS continuing to grow?
According to the past four quarterly reports, Upstart holdings, inc. (UPST)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.06. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of UPST?
Upstart holdings, inc. (UPST)'s Free Cash Flow (FCF) for the period is -124.53M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 297.77% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of UPST?
The latest valuation data shows Upstart holdings, inc. (UPST) has a Price-To-Earnings (PE) ratio of -1,016.85 and a Price/Earnings-To-Growth (PEG) ratio of -0.93. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.