Upstart Holdings, Inc. (UPST) stock
Close on Nov 11, 2026Market cap $2.00BP/E 42.0Yield –
Upstart Holdings, Inc. grew revenue 46.3% to $1.25B over the twelve months to Jun 30, 2026. Free cash flow was -$289.05M. At the latest close the market valued the company at $2.00B, 42.0 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Jun 30, 2026
Valuation
- Market cap
- $2.00B
- P/E ratio
- 42.0
- Price to sales
- 1.61
- Price to book
- 2.51
- Dividend yield
- –
- Free cash flow yield
- -14.45%
Fundamentals
- Revenue
- $1.25B
- Net income
- $60.33M
- EPS, diluted
- $0.49
- Free cash flow
- -$289.05M
- Book value per share
- $7.27
- Diluted shares
- 110M
Trading
- Next earnings
- Feb 9, 2027 (estimated, during market hours)
- Previous close
- $20.41
- Open
- $20.53
- Day's range
- $20.42 – $21.14
- Volume
- 6,303,542
- Average volume (20 days)
- 5,201,236
- Index membership
- Russell 2000 (since Jun 2023), Russell 3000 (since Feb 2021)
- Beta (5 years)
- 3.19
- 52-week range
- $19.71 – $52.10
- RSI (14 days)
- 37.6
- Volatility (1 year)
- 64.4%
- Relative volume
- 1.43×
- WACC
- 17.4%
On 1 of our idea list: Most shorted (a warning list)
Index membership is inferred from the holdings of funds that track each index (IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2020, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | UPST | S&P 500 | Difference | UPST per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -14.7% | -2.4% | −12.3 pts | ||
| 3 months | -31.2% | -1.2% | −30.1 pts | ||
| Year to date | -53.0% | +12.3% | −65.3 pts | ||
| 1 year | -47.2% | +12.4% | −59.6 pts | ||
| 3 years | -1.5% | +78.8% | −80.3 pts | -0.5% | +21.4% |
| 5 years | -91.6% | +75.2% | −166.8 pts | -39.1% | +11.9% |
Eight years at a glance
Fiscal years 2018 to 2025 and trailing twelve months, USD
Revenue
Operating income
Net income
EPS, diluted
Free cash flow
Press releases
Releases Upstart filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- Results
- News
- News
- Results
About Upstart
Finance Services
Upstart operates an artificial intelligence lending marketplace designed to streamline the borrowing process across multiple credit categories. The company supports unsecured personal loans, secured automotive financing, and home equity lines of credit. Through proprietary machine learning algorithms, the platform evaluates risk and facilitates automated loan underwriting. Upstart serves individual consumer borrowers seeking credit, automobile dealerships utilizing specialized dealership software, and financial institutions such as banks, credit unions, and institutional investors that fund, purchase, or retain loans.
Company profile, executives and historyUpstart stock: common questions
What is Upstart's stock price?
UPST closed at $20.56 on Nov 11, 2026, up 0.73% on the day. Over the past 52 weeks it traded between $19.71 and $52.10.
What is Upstart's market cap?
Upstart was worth $2.00B at the close on Nov 11, 2026: the share price times the diluted shares outstanding.
What is UPST's P/E ratio?
UPST trades at 42.0 times earnings, based on diluted earnings per share of $0.49 over the twelve months to Jun 30, 2026.
How much revenue does Upstart make?
Upstart reported revenue of $1.25B for the twelve months to Jun 30, 2026, up 46.3% from a year earlier.
Does Upstart pay a dividend?
No. Upstart has not paid a cash dividend over the last twelve months.
When does Upstart report earnings next?
Upstart is expected to report Q4 FY2026 results on Feb 9, 2027, during market hours. The date is estimated from its past reporting pattern until the company confirms it.
How has UPST stock performed over the past year?
Including dividends, UPST returned -47.2% over the past year, against +12.4% for the S&P 500.
How many UPST shares are sold short?
27M shares were sold short at the latest FINRA report, 31.05% of the float, or 7.9 days of average trading volume.
Who are Upstart's competitors?
Companies most similar to Upstart by business, industry and size include PGY, OPRT, LDI, OPFI, SOFI.
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