SecSonar.com

Upstart Holdings, Inc. (UPST)

Upstart Holdings, Inc. at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

Upstart Holdings, Inc. (UPST) is a Financial - Credit Services company based in US with a market capitalization of $3.3B. Revenue grew 58.9% year-over-year and free cash flow was negative at -$166.1M. This page tracks UPST's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 1.19K employees · IPO Dec 16, 2020

Valuation

Valuation & price

$29.51 · as of May 17, 2026 · -64.9% vs 52w high

59.2

P/E ratio

Latest-FY diluted EPS

4.10

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$84.13$54.45$24.77Jul 25Dec 25Jun 26Jul 7, 25$76.35Jul 9, 25$78.42Jul 11, 25$75.62Jul 15, 25$74.13Jul 17, 25$77.58Jul 21, 25$76.68Jul 23, 25$84.13Jul 25, 25$83.53Jul 29, 25$80.43Jul 31, 25$81.74Aug 4, 25$82.83Aug 6, 25$67.14Aug 8, 25$68.76Aug 12, 25$63.41Aug 14, 25$63.83Aug 18, 25$65.30Aug 20, 25$63.88Aug 22, 25$68.85Aug 27, 25$69.60Aug 29, 25$73.28Sep 3, 25$64.46Sep 5, 25$66.90Sep 9, 25$68.92Sep 11, 25$62.19Sep 15, 25$66.98Sep 17, 25$68.12Sep 19, 25$67.89Sep 23, 25$62.38Sep 25, 25$56.93Sep 29, 25$52.74Oct 1, 25$52.13Oct 3, 25$51.96Oct 7, 25$51.81Oct 9, 25$52.37Oct 13, 25$49.60Oct 16, 25$47.79Oct 20, 25$50.22Oct 22, 25$50.38Oct 24, 25$52.69Oct 28, 25$50.70Oct 30, 25$44.96Nov 3, 25$47.54Nov 5, 25$41.75Nov 7, 25$38.60Nov 11, 25$38.93Nov 13, 25$37.29Nov 17, 25$36.07Nov 19, 25$37.27Nov 21, 25$37.09Nov 25, 25$41.77Nov 28, 25$44.96Dec 2, 25$42.70Dec 5, 25$46.75Dec 9, 25$46.50Dec 11, 25$49.13Dec 15, 25$46.05Dec 17, 25$45.05Dec 19, 25$47.59Dec 23, 25$48.91Dec 26, 25$47.47Dec 30, 25$44.96Jan 2, 26$45.84Jan 6, 26$50.68Jan 8, 26$50.61Jan 12, 26$45.25Jan 14, 26$46.45Jan 16, 26$48.12Jan 21, 26$46.09Jan 23, 26$45.29Jan 28, 26$43.17Jan 30, 26$39.25Feb 3, 26$38.58Feb 5, 26$34.62Feb 9, 26$38.85Feb 11, 26$33.10Feb 13, 26$30.68Feb 18, 26$31.53Feb 20, 26$29.29Feb 24, 26$28.14Feb 26, 26$29.67Mar 2, 26$28.28Mar 4, 26$28.36Mar 6, 26$27.78Mar 10, 26$28.16Mar 12, 26$25.76Mar 16, 26$27.79Mar 19, 26$26.77Mar 23, 26$27.91Mar 25, 26$26.09Mar 27, 26$24.77Mar 31, 26$25.65Apr 2, 26$25.58Apr 7, 26$26.45Apr 9, 26$27.41Apr 13, 26$28.06Apr 15, 26$33.36Apr 17, 26$34.57Apr 21, 26$33.20Apr 23, 26$32.82Apr 27, 26$33.11Apr 29, 26$30.48May 1, 26$32.74May 5, 26$31.17May 8, 26$28.96May 12, 26$27.84May 14, 26$29.71May 18, 26$27.94May 20, 26$28.84May 22, 26$28.56May 27, 26$30.72May 29, 26$33.79Jun 2, 26$32.39Jun 4, 26$32.27Jun 8, 26$31.00Jun 10, 26$30.30Jun 12, 26$30.50Jun 16, 26$32.24Jun 18, 26$32.43Jun 23, 26$31.46Jun 29, 26$35.02
$24.2252-week range$84.13
Loading valuation history…

Fundamentals

Key fundamentals

$3.3B

Market cap

58.9%

Revenue growth (YoY)

95.2%

Gross margin

-$166.1M

Free cash flow (USD)

$1.2B

Net debt

7.4%

Share dilution

1/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2017 → 2025

FY 2017$55.6MFY 2018$95.6MFY 2019$189.3MFY 2020$230.1MFY 2021$849.9MFY 2022$853.3MFY 2023$547.7MFY 2024$677.0MFY 2025$1.1B
$55.6M$1.1B

Free cash flow by year

2017 → 2025

FY 2017$9.6MFY 2018$49.3MFY 2019$26.3MFY 2020$10.1MFY 2021$153.2MFY 2022$-680.8MFY 2023$-123.8MFY 2024$176.3MFY 2025$-166.1M
$9.6M-$166.1M

Gross margin by year

2021 → 2025

FY 202199.6%FY 202298.2%FY 202392.8%FY 202492.9%FY 202595.2%
99.6%95.2%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

1

Insider buys · 90 days

8

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 5, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • Insider sellInsider Sell $456KDatta Sanjay · President, Capital& Enterprise · $456.1KJun 11, 2026Filing
  • 8-K eventAnnual Meeting ResultsMay 28, 2026Filing
  • Insider sellInsider Sell $28KMirgorodskaya Natalia · See Remarks · $28.2KMay 27, 2026Filing
  • Insider sellInsider Sell $15KMirgorodskaya Natalia · See Remarks · $15.1KMay 22, 2026Filing
  • Insider sellInsider Sell $230KDatta Sanjay · President, Capital& Enterprise · $229.7KMay 22, 2026Filing
  • Insider sellInsider Sell $191KDarling Scott · Chief Legal Officer · $190.9KMay 22, 2026Filing
  • 8-K eventBoard Appointment and ResignationMay 19, 2026Filing
  • Insider sellInsider Sell $54KDatta Sanjay · President, Capital& Enterprise · $53.7KMay 18, 2026Filing
  • Insider sellInsider Sell $21KDarling Scott · Chief Legal Officer · $21.5KMay 18, 2026Filing
  • Insider sellInsider Sell $209KBlankmeyer Andrea · Chief Financial Officer · $208.7KMay 18, 2026Filing

Questions

Frequently asked questions

What is Upstart Holdings, Inc.'s market cap?

Upstart Holdings, Inc. (UPST) has a market capitalization of $3.3B.

What is UPST's P/E ratio?

UPST trades at a price-to-earnings ratio of 59.2, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is UPST's price-to-book (P/B) ratio?

UPST trades at 4.10 times book value per share.

Are insiders buying UPST stock?

Yes — SEC Form 4 filings show 1 open-market insider buy and 8 sells at Upstart Holdings, Inc. in the last 90 days.

Same arena

Related companies in Financial - Credit Services

BFH

Bread Financial Holdings, Inc.

$3.6B

WU

The Western Union Company

$2.5B

ENVA

Enova International, Inc.

$4B

SLM

SLM Corporation

$4.2B

QFIN

Qfin Holdings, Inc.

$2.1B

LC

LendingClub Corporation

$2.1B

Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

Search the actual 10-K / 10-Q text with AI research angles

News

Latest press coverage in one feed

Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.