NASDAQ · UPST

Upstart Holdings, Inc.

$27.49 +$0.56 (+2.08%) 1D After hours

Key Metrics

$2.58B
Market cap
52.17×
P/E · TTM
$1.14B
Revenue · TTM
$49.40M
Net income
EPS · TTM $0.52
Dividend yield
Free cash flow −$270.63M
Beta · 1Y 2.76
EBITDA · TTM $63.90M
Gross margin

The Story So Far

LAST 6 MONTHS PRIMARY SOURCES ONLY
  • Jul 16
    Money rotated out of high-beta cohorts market-wide.

    High-beta names lagged the blue-chips by 18.6 points over ten sessions around this date. Stocks in that cohort weren't falling alone — they fell together.

    RECEIPT: ROTATION GAUGE, LIVE
  • Apr 15
    The stock moved +13.0% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, Apr 15
  • Mar 30
    From its Jan 29 high, the share price fell 42%.

    Peak close $41.53 on Jan 29; trough close $24.22 on Mar 30. The drawdown is the fact — the chapters around it are the context.

    RECEIPT: PRICE SERIES, PEAK-TO-TROUGH -42%
  • Feb 11
    The stock moved -15.0% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, Feb 11

The story updates itself as events post · The wolf reports; you decide

Snapshot

Market cap$2.58B
Enterprise value
Shares outstanding95.7M
52-wk range$23.97 – $87.30
Avg volume · 20D6.7M
Net cash
Book value / share$7.78
IndustryFinance Services
ExchangeNASDAQ
About Upstart Holdings, Inc.
IPO dateDec 16, 2020
Employees1405

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners.

Wolf Grade COMING SOON

The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.

Valuation

P/E52.17
P/S2.26
P/FCF
EV/EBITDA
EV/Sales
Graham №$9.58

Profitability

Gross
Operating 3.5%
Net 4.3%
FCF -23.8%
ROE / ROIC 7.2% · —

Financial Health

Current ratio
Quick ratio
Debt / equity
Debt / EBITDA
Net cash
Working capital

Cash Flow · TTM

Operating CF −$267.54M
Capex −$3.10M
Free cash flow −$270.63M
Buybacks
Dividends paid
Shareholder yield

Piotroski F-Score

3 / 9
Weak fundamentals · 3 of 9 signals passing

Altman Z-Score

1.0
Distress zone (< 1.81) · elevated risk

Graham Number vs Price

$9.58 vs $27.49
Trades 2.9× above classic defensive value — priced for growth
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings