Upstart Holdings, Inc.
General ticker "UPST" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $3.7B (TTM average)
Upstart Holdings, Inc. follows the US Stock Market performance with the rate: 2.2%.
Estimated limits based on current volatility of 2.0%: low 24.80$, high 25.81$
Factors to consider:
- Total employees count: 1405 (+17.8%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Financing risks, AI risks, Partner concentration, Profitability
- Price in estimated range
- Earnings for 6 months up through Q2 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [18.20$, 41.90$]
- 2026-12-31 to 2027-12-31 estimated range: [14.13$, 32.59$]
Financial Metrics affecting the UPST estimates:
- Positive: with PPE of 28.6 at the end of fiscal year the price was neutral
- Negative: negative Operating cash flow
- Positive: 4.60 < Operating profit margin, % of 5.05
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Industry operating profit margin (median), % of 18.97 <= 26.54
- Negative: 0.75 < Interest expense per share per price, % of 1.14
- Positive: -4.49 < Investing cash flow per share per price, % of -3.93
Short-term UPST quotes
Long-term UPST plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $547.72MM | $676.96MM | $1,075.52MM |
| Operating Expenses | $787.74MM | $805.36MM | $1,021.19MM |
| Operating Income | $-240.03MM | $-128.40MM | $54.33MM |
| Interest Expense | $39.60MM | $48.13MM | $51.54MM |
| Income(Loss) | $-240.03MM | $-128.40MM | $54.33MM |
| Taxes | $0.11MM | $0.18MM | $0.73MM |
| Net Income(Loss)* | $-240.13MM | $-128.58MM | $53.60MM |
| Stockholders Equity | $635.30MM | $633.22MM | $798.82MM |
| Assets | $2,017.10MM | $2,366.96MM | $2,974.80MM |
| Operating Cash Flow | $-111.71MM | $186.33MM | $-147.72MM |
| Capital expenditure | $12.09MM | $9.99MM | $18.41MM |
| Investing Cash Flow | $-118.45MM | $-237.73MM | $-177.17MM |
| Financing Cash Flow | $165.49MM | $559.87MM | $405.64MM |
| Earnings Per Share** | $-2.87 | $-1.44 | $0.56 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.