About Upstart Holdings, Inc.
https://www.upstart.comUpstart 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.
CEO
David J. Girouard
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 3 of 151
Ratings Snapshot
Rating : C-
Most Recent Analyst Grades
Needham
Buy
Citigroup
Buy
B. Riley Securities
Buy
Piper Sandler
Overweight
JP Morgan
Overweight
Stephens & Co.
Equal Weight
Grade Summary
Showing Top 6 of 11
Price Target
Institutional Ownership
VANGUARD GROUP INC
Shares:8.24M
Value:$382.78M
BLACKROCK, INC.
Shares:6.86M
Value:$318.46M
BLACKROCK INC.
Shares:5.66M
Value:$263.11M
Summary
Showing Top 3 of 464
About Upstart Holdings, Inc.
https://www.upstart.comUpstart 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.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $285.9M ▲ | $212.44M ▼ | $31.8M ▲ | 11.12% ▲ | $0.33 ▲ | $38.59M ▲ |
| Q2-2025 | $257.29M ▲ | $246.91M ▲ | $5.61M ▲ | 2.18% ▲ | $0.06 ▲ | $11.5M ▲ |
| Q1-2025 | $220.39M ▼ | $215.79M ▲ | $-2.45M ▲ | -1.11% ▲ | $-0.03 ▲ | $3.98M ▲ |
| Q4-2024 | $226.4M ▲ | $213.91M ▲ | $-2.75M ▲ | -1.22% ▲ | $-0.03 ▲ | $2.06M ▲ |
| Q3-2024 | $172.96M | $168.85M | $-6.76M | -3.91% | $-0.07 | $-1.32M |
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $494.89M ▲ | $2.9B ▲ | $2.16B ▲ | $743.72M ▲ |
| Q2-2025 | $400.56M ▼ | $2.48B ▲ | $1.76B ▲ | $722.01M ▲ |
| Q1-2025 | $605.37M ▼ | $2.3B ▼ | $1.62B ▼ | $676.64M ▲ |
| Q4-2024 | $793.61M ▲ | $2.37B ▲ | $1.73B ▲ | $633.22M ▲ |
| Q3-2024 | $450.22M | $1.81B | $1.21B | $595.54M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $31.8M ▲ | $-122.63M ▼ | $-120.51M ▼ | $378.58M ▲ | $135.44M ▲ | $-122.7M ▼ |
| Q2-2025 | $5.61M ▲ | $-120.16M ▼ | $-109.83M ▼ | $91.93M ▲ | $-138.07M ▼ | $-120.28M ▼ |
| Q1-2025 | $-2.45M ▲ | $-13.49M ▲ | $-78.57M ▼ | $-44.68M ▼ | $-136.74M ▼ | $-19.64M ▲ |
| Q4-2024 | $-2.75M ▲ | $-110.93M ▼ | $-77.91M ▼ | $509.33M ▲ | $320.5M ▲ | $-110.93M ▼ |
| Q3-2024 | $-6.76M | $179.34M | $-46.17M | $-38.02M | $95.15M | $179.22M |
Revenue by Products
| Product | Q3-2024 | Q4-2024 | Q1-2025 | Q2-2025 |
|---|---|---|---|---|
 Borrower Fees | $10.00M ▲ | $10.00M ▲ | $10.00M ▲ | $10.00M ▲ |
 Collection Agency Fees | $0 ▲ | $10.00M ▲ | $0 ▼ | $0 ▲ |
 Other Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Servicing Fees | $20.00M ▲ | $40.00M ▲ | $20.00M ▼ | $20.00M ▲ |
 Servicing Fees Net | $30.00M ▲ | $70.00M ▲ | $30.00M ▼ | $40.00M ▲ |
CEO
David J. Girouard
Compensation Summary
(Year 2024)
ETFs Holding This Stock
Summary
Showing Top 3 of 151
Ratings Snapshot
Rating : C-
Most Recent Analyst Grades
Needham
Buy
Citigroup
Buy
B. Riley Securities
Buy
Piper Sandler
Overweight
JP Morgan
Overweight
Stephens & Co.
Equal Weight
Grade Summary
Showing Top 6 of 11
Price Target
Institutional Ownership
VANGUARD GROUP INC
Shares:8.24M
Value:$382.78M
BLACKROCK, INC.
Shares:6.86M
Value:$318.46M
BLACKROCK INC.
Shares:5.66M
Value:$263.11M
Summary
Showing Top 3 of 464