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Upstart Holdings, Inc. (UPST)

Balance-Sheet Financials · Financials / Credit Services
Score Band
Speculative
Selection Score
28.25
Global Rank
2291
Market Cap
2.58B
Latest Close
29.74
RS Composite
-18.48% · G#2564

Price Movement

3Y daily adjusted close
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Adjusted close SMA60D
1M
3.62%
3M
7.06%
6M
-34.35%
1Y
-41.29%
3Y
9.18%
5Y
-79.94%
10Y
0.92%

Volume

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Volume Volume MA20D

Latest volume: 4.57M · 30-day average: 4.83M · Max drawdown over stored range: -96.90%

Research Snapshot

Relative Strength vs SPX

RS Composite-18.48%
20D RS1.92%
60D RS-0.71%
120D RS-46.46%
Global RS Rank2564 · 23.58% percentile
Watch+Speculative RS Rank1587 · 24.32% percentile
Group ScopeWatch+Speculative
Primary RS Rank369 · 6.58% percentile
Snapshot Date2026-06-05

RS uses adjusted close where available. Global RS Rank is recalculated from the current non-low pool. Group RS Rank is recalculated inside the company’s own actionable band group.

Research Links

StockAnalysis
Yahoo Finance
Perplexity Finance
Finviz
Seeking Alpha
WhaleWisdom
FinanceCharts
SEC EDGAR Search
SEC Company Search

Official company website and investor-relations URLs are not inferred unless a reliable dynamic source is added.

Classification

Primary Rank212 / 518
Primary Percentile59.27
Score Notesmarket-cap support, industry-tailwind

Gemini Deep Research

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Manual Estimates

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Forward Valuation

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SEC TTM Fundamentals

No processed TTM rows for UPST.

TTM Valuation

No SEC TTM valuation available.

Financial Statement Metrics

MetricFY 2021FY 2022FY 2023FY 2024FY 2025
Revenue851.863853.287548.456676.9611075.521
Revenue Growth (YoY)252.823%0.167%-35.724%23.43%58.875%
Gross Profit734.284665.293398.038518.965887.144
Operating Income145.392-103.02-221.631-132.42374.295
Free Cash Flow159.926-666.685-113.239185.494-148.072
Free Cash Flow Per Share1.687-8.055-1.3522.074-1.378
EPS (Diluted) GAAP1.43-1.312834-2.87-1.440.453239
EPS Growth
EPS Non-GAAP
Gross Margin86.197%77.968%72.574%76.661%82.485%
Operating Margin17.068%-12.073%-40.41%-19.561%6.908%
Profit Margin15.9%-12.735%-43.783%-18.994%4.984%
Free Cash Flow Margin18.774%-78.131%-20.647%27.401%-13.767%
Shares Outstanding (Diluted)94.772682.771383.765989.45107.4927
Shares Change (YoY)441.135%-12.663%1.202%6.786%20.171%

SEC Quarterly Fundamentals

No processed quarterly rows for UPST.