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UUpstart Holdings, Inc.

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Upstart Holdings, Inc.

$24.33Close · Sep 24, 2026
  • Overview
  • Financial statements
  • Metrics
    • Revenue & profit
    • Revenue by segment
    • Launches
    • Revenue concentration
    • Margins
    • Contracted revenue
    • Off-balance-sheet commitments
    • Cash flow
    • Cash & debt
    • Earnings per share
    • P/E ratio
    • Share count & dilution
  • Quarterly earnings
  • Similar companies
  • Insider Transactions
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Metrics

Revenue & profit
Revenue by segment
Margins
Contracted revenue
Cash flow
Cash & debt
Earnings per share
Share count & dilution

Metrics

Compare sales with the profit left after direct costs and the profit left after all expenses and taxes.Formula: Gross profit = revenue − cost of revenue Net income = total income − total expenses
Q2 ’262019202020212022202320242025-100M0100M200M300MLatest period Q2 '26. Revenue 364.71M. Gross profit 364.71M. Net profit 16.54M.
RevenueGross profitNet profit
See how much of the company’s revenue comes from each customer it reports as 10% or more of revenue. Filings often name these customers only as Customer A, Customer B, and so on.Formula: Customer share = customer revenue ÷ total revenue × 100% Other customers = 100% − Σ(major customer shares)
Q2 ’2620192020202120222023202420250%20%40%60%80%100%
      Latest period Q2 '26. Customer A 36%. Customer B 17%. Other customers 47%.
      Customer ACustomer BCustomer CCustomer 1Customer 2Customer DOther customers
      See how much of each dollar of sales remains after direct costs, after running the business, and after all expenses and taxes.Formula: Gross margin = gross profit ÷ revenue × 100% Operating margin = operating income ÷ revenue × 100% Net margin = net income ÷ revenue × 100%
      Q2 ’262019202020212022202320242025-100%-50%0%50%100%Latest period Q2 '26. Gross margin 100%. Operating margin 4%. Net profit margin 4.5%.
      Gross marginOperating marginNet profit margin
      See the amounts the company has committed to pay that its balance sheet does not record yet: leases it has signed that have not started, unconditional purchase and other contractual commitments, and the most it could have to pay under guarantees and credit backstops. Amounts are as the filing reports them at each balance-sheet date.Formula: Commitments = leases not yet commenced + purchase & other commitments + maximum guarantee exposure
      Q2 ’262019202020212022202320242025050M100M150M200M
          Latest period Q2 '26. Leases not yet commenced 56M. Purchase & other commitments 148.8M.
          Leases not yet commencedPurchase & other commitmentsGuarantees & contingent commitments
          Compare cash generated by the business, spending on long-lived assets, and what remains afterward.Formula: Free cash flow = operating cash flow − capital expenditures
          $
          Q2 ’262019202020212022202320242025-200M-100M0100M200M
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            • Capex: purchases of property, plant and equipment
            Latest period Q2 '26. Operating cash flow -136.6M. Capex -2.1M. Free cash flow -138.7M.
            Operating cash flowCapexFree cash flow
            Compare the company’s cash cushion with its borrowings. Negative net cash means debt is greater than cash.Formula: Net cash = cash − debt
            202620192020202120222023202420250500M1B1.5B2B
                Latest period 2026. Cash 456M. Debt 2B.
                CashDebtNet cash
                Profit for each share over the trailing 12 months, adjusted for stock splits.Formula: Earnings available to common shareholders ÷ weighted-average shares
                $/shareUsing split history cached 2026-09-24; assuming no new splits
                four_consecutive_quarters_unavailableMissingfour_consecutive_quarters_unavailableMissingfour_consecutive_quarters_unavailableMissingQ2 ’262019202020212022202320242025-4.00-2.000.002.00
                • Q1 2020: four consecutive quarters unavailable
                • Q2 2020: four consecutive quarters unavailable
                • Q3 2020: four consecutive quarters unavailable
                • Earnings period 2019-01-01 to 2019-12-31. Shares as of 2022-02-11: 84,056,131 source shares. Uses later-dated shares from the same quarterly filing.
                • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: unavailable source shares.
                • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: unavailable source shares.
                • Earnings period 2020-07-01 to 2020-09-30. Shares as of 2020-09-30: unavailable source shares.
                • Earnings period 2020-01-01 to 2020-12-31. Shares as of 2020-12-31: 73,314,026 source shares.
                • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 73,908,252 source shares.
                • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 77,626,866 source shares.
                • Earnings period 2021-07-01 to 2021-09-30. Shares as of 2021-09-30: 81,539,547 source shares.
                • Earnings period 2021-01-01 to 2021-12-31. Shares as of 2021-12-31: 83,659,665 source shares.
                • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 84,676,746 source shares.
                • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 82,188,372 source shares.
                • Earnings period 2022-07-01 to 2022-09-30. Shares as of 2022-09-30: 81,831,178 source shares.
                • Earnings period 2022-01-01 to 2022-12-31. Shares as of 2022-12-31: 81,259,676 source shares.
                • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 82,600,748 source shares.
                • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 83,811,484 source shares.
                • Earnings period 2023-07-01 to 2023-09-30. Shares as of 2023-09-30: 85,024,889 source shares.
                • Earnings period 2023-01-01 to 2023-12-31. Shares as of 2023-12-31: 86,330,303 source shares.
                • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: 87,805,393 source shares.
                • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: 89,084,180 source shares.
                • Earnings period 2024-07-01 to 2024-09-30. Shares as of 2024-09-30: 90,998,255 source shares.
                • Earnings period 2024-01-01 to 2024-12-31. Shares as of 2024-12-31: 93,469,721 source shares.
                • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: 95,071,582 source shares.
                • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: 96,091,343 source shares.
                • Earnings period 2025-07-01 to 2025-09-30. Shares as of 2025-09-30: 97,275,544 source shares.
                • Earnings period 2025-01-01 to 2025-12-31. Shares as of 2025-12-31: 98,033,361 source shares.
                • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 95,708,872 source shares.
                • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 97,306,813 source shares.
                Latest period Q2 2026. EPS (TTM) 0.62.
                EPS (TTM)
                How much investors pay for each dollar of the company’s yearly earnings. It is not useful when the company has no profit.Formula: Share price ÷ trailing 12-month EPS
                Using split history cached 2026-09-24; assuming no new splits
                four consecutive quarters unavailableMissingfour consecutive quarters unavailableMissingfour consecutive quarters unavailableMissingzero earningsMissingQ2 ’262019202020212022202320242025-15,000x-10,000x-5,000x0x
                • Q1 2020: four consecutive quarters unavailable
                • Q2 2020: four consecutive quarters unavailable
                • Q3 2020: four consecutive quarters unavailable
                • FY 2020: zero earnings
                • Earnings period 2019-01-01 to 2019-12-31. Shares as of 2022-02-11: 84,056,131 source shares. Uses later-dated shares from the same quarterly filing. Weekly price on 2022-02-11.
                • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: unavailable source shares.
                • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: unavailable source shares.
                • Earnings period 2020-07-01 to 2020-09-30. Shares as of 2020-09-30: unavailable source shares.
                • Earnings period 2020-01-01 to 2020-12-31. Shares as of 2020-12-31: 73,314,026 source shares.
                • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 73,908,252 source shares. Nearby weekly price on 2021-04-01.
                • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 77,626,866 source shares. Nearby weekly price on 2021-07-02.
                • Earnings period 2021-07-01 to 2021-09-30. Shares as of 2021-09-30: 81,539,547 source shares. Nearby weekly price on 2021-10-01.
                • Earnings period 2021-01-01 to 2021-12-31. Shares as of 2021-12-31: 83,659,665 source shares. Weekly price on 2021-12-31.
                • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 84,676,746 source shares. Nearby weekly price on 2022-04-01.
                • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 82,188,372 source shares. Nearby weekly price on 2022-07-01.
                • Earnings period 2022-07-01 to 2022-09-30. Shares as of 2022-09-30: 81,831,178 source shares. Weekly price on 2022-09-30.
                • Earnings period 2022-01-01 to 2022-12-31. Shares as of 2022-12-31: 81,259,676 source shares. Nearby weekly price on 2022-12-30.
                • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 82,600,748 source shares. Weekly price on 2023-03-31.
                • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 83,811,484 source shares. Weekly price on 2023-06-30.
                • Earnings period 2023-07-01 to 2023-09-30. Shares as of 2023-09-30: 85,024,889 source shares. Nearby weekly price on 2023-09-29.
                • Earnings period 2023-01-01 to 2023-12-31. Shares as of 2023-12-31: 86,330,303 source shares. Nearby weekly price on 2023-12-29.
                • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: 87,805,393 source shares. Nearby weekly price on 2024-03-28.
                • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: 89,084,180 source shares. Nearby weekly price on 2024-06-28.
                • Earnings period 2024-07-01 to 2024-09-30. Shares as of 2024-09-30: 90,998,255 source shares. Nearby weekly price on 2024-09-27.
                • Earnings period 2024-01-01 to 2024-12-31. Shares as of 2024-12-31: 93,469,721 source shares. Nearby weekly price on 2025-01-03.
                • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: 95,071,582 source shares. Nearby weekly price on 2025-03-28.
                • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: 96,091,343 source shares. Nearby weekly price on 2025-06-27.
                • Earnings period 2025-07-01 to 2025-09-30. Shares as of 2025-09-30: 97,275,544 source shares. Nearby weekly price on 2025-10-03.
                • Earnings period 2025-01-01 to 2025-12-31. Shares as of 2025-12-31: 98,033,361 source shares. Nearby weekly price on 2026-01-02.
                • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 95,708,872 source shares. Nearby weekly price on 2026-04-02.
                • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 97,306,813 source shares. Nearby weekly price on 2026-07-02.
                Latest period Q2 2026. P/E ratio 56.1x.
                P/E ratio
                See how the number of shares changes over time. More shares can mean each existing share owns a smaller slice of the company.Formula: Outstanding shares = issued shares − treasury shares Share-count growth = (current shares ÷ previous shares − 1) × 100%
                Stock split history may be out of date.
                20262019202020212022202320242025020M40M60M80M
                    Latest period 2026. Shares outstanding 97.3M. Class detail unavailable 97.3M.
                    Class detail unavailable