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Nasdaq · CIK 0001647639 · FINANCE SERVICES

Upstart Holdings, Inc.

UPST chart by TradingView
P/E 64.4xP/B 4.9xP/SALES 3.1xEV/EBITDA FCF YIELD -7.44%

PRICE HISTORY

LIVE · NASDAQ
UPST chart by TradingView
REVENUE FY2025 ENDED DEC 2025
$1.0B
EBITDA
$0.1B
FREE CASH FLOW
$-0.1B
EPS
$0.50
GROSS MARGIN
ROIC
Q2 FY26ENDED JUN 2026HOVERDRAG ACROSS ANY CHART TO SCRUB ALL 24 · 26 QUARTERS SHOWNVALUATIONGROWTHPROFITABILITY & RETURNSCASH & CAPITALBALANCE SHEET

VALUATION

what you pay for a unit of the business7 CHARTS

P / E RATIO (TTM)

64.4x
-65%
LATEST · Q2 FY26
64.4xQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
29.2x806.9x

P / SALES (TTM)

3.1x
-33%
LATEST · Q2 FY26
3.1xQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
1.2x48.5x

P / BOOK

4.9x
+34%
LATEST · Q2 FY26
4.9xQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
1.6x42.3x

EV / EBITDA (TTM)

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

EV / REVENUE (TTM)

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

FCF YIELD (TTM)

-7.44%
-8.8pp
LATEST · Q2 FY26
-7.44%Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
-61.75%4.18%

DIVIDEND YIELD (TTM)

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

GROWTH

is the business getting bigger5 CHARTS

REVENUE

$0.4B
+436%
LATEST · Q2 FY26
0.4BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

EBITDA (DERIVED)

$0.0B
+1271%
LATEST · Q2 FY26
0.0BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

NET INCOME

$0.0B
+1018%
LATEST · Q2 FY26
0.0BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

EPS (DILUTED)

$0.15
+49%
LATEST · Q2 FY26
0.15Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

REVENUE GROWTH YOY

41.75%
-36.7pp
LATEST · Q2 FY26
41.75%Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
-62.69%1017.65%

PROFITABILITY & RETURNS

what survives to the bottom, and what it earns on capital4 CHARTS

FCF MARGIN

-38.03%
+89.9pp
LATEST · Q2 FY26
-38.03%Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
-152.83%151.22%

RETURN ON CAPITAL

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

RETURN ON EQUITY (TTM)

7.57%
+5.6pp
LATEST · Q2 FY26
7.57%Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26
-43.15%18.03%

MARGIN FUNNEL

every line is a share of the same revenue, so they read on one scale — the gaps are what each layer takes out, and net rises above operating when income arrives from outside the business
GROSS MARGIN
OPERATING MARGIN4.01%
NET MARGIN4.53%
FCF MARGIN-38.03%
181.6290.41-0.80-92.02-183.23OPERNETFCFQ1 FY20Q4 FY20Q3 FY21Q2 FY22Q1 FY23Q4 FY23Q3 FY24Q2 FY25Q2 FY26

CASH & CAPITAL

where the money actually goes5 CHARTS

FREE CASH FLOW

$-0.1B
$0.1B
LATEST · Q2 FY26
-0.1BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

STOCK-BASED COMP

$0.0B
+2163%
LATEST · Q2 FY26
0.0BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

CAPITAL EXPENDITURE

$0.0B
+305%
LATEST · Q2 FY26
0.0BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

SHARES OUTSTANDING

0.11B
+650%
LATEST · Q2 FY26
0.11BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

DIVIDEND / SHARE

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

BALANCE SHEET

how much cushion there is3 CHARTS

CASH & EQUIVALENTS

$0.5B
+24%
LATEST · Q2 FY26
0.5BQ1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

TOTAL DEBT

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

DEBT / EBITDA (TTM)

LATEST · Q2 FY26
Q1 FY20Q2 FY21Q3 FY22Q4 FY23Q1 FY25Q2 FY26

OWNERSHIP

10 LARGEST HOLDERS · WHO OWNS THE FLOAT
INSTITUTIONS 62.83%INSIDERS 12.78%OTHER / RETAIL 24.39%473 INSTITUTIONAL FILERS
HOLDER% HELDSHARESVALUECHANGE
Blackrock Inc.7.61%7.4M$230.2M+4.4%
Morgan Stanley4.08%4.0M$123.6M-5.5%
Vanguard Capital Management LLC3.86%3.8M$116.7MNEW
Vanguard Portfolio Management LLC3.85%3.7M$116.4MNEW
Marshall Wace LLP3.37%3.3M$102.0M+495.1%
Geode Capital Management, LLC2.18%2.1M$66.0M+2.7%
State Street Corporation2.11%2.1M$63.8M+2.6%
Halter Ferguson Financial Inc. 1.80%1.7M$54.3M+19.1%
Goldman Sachs Group Inc1.60%1.6M$48.5M-5.6%
Clear Street Group Inc.1.60%1.6M$48.4M-24.6%
AS OF 2026-03-31 · MOST RECENT 13F FILINGS
SOURCE → 10-K · 10-Q · 8-K / GUIDANCE · ALL FILINGS
FILING DATA AS OF 2026-08-10. Figures are derived from public SEC EDGAR filings (40most recent quarters shown, Q4 implied as full-year minus Q1-Q3). Valuation multiples use each period’s fiscal period-end close. Live price charts and quotes are provided by TradingView. This page is informational only — it is not investment advice, and figures are not warranted for accuracy. EBITDA is not a GAAP measure; it is derived as operating income + D&A. Verify against the linked source filing before relying on any number here.