Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.
| Revenue (TTM) | $1.29B |
| Gross Profit (TTM) | $1.07B |
| EBITDA | $115.06M |
| Operating Margin | 7.20% |
| Return on Equity | 7.94% |
| Return on Assets | 1.98% |
| Revenue/Share (TTM) | $13.26 |
| Book Value | $8.20 |
| Price-to-Book | 3.73 |
| Price-to-Sales (TTM) | 2.27 |
| EV/Revenue | 4.079 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 211.20% |
| Quarterly Revenue Growth (YoY) | 42.30% |
| Shares Outstanding | $97.31M |
| Float | $83.80M |
| % Insiders | 12.75% |
| % Institutions | 63.27% |
Volatility is currently expanding
Fintech names are rebounding at midday Wednesday. SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) stock is up 6% to $18.66, Upstart Holdings (NASDAQ:UPST) stock is up 8% to $31.58, and Affirm Holdings (NASDAQ:AFRM) stock is up 7% to $78.55.
SoFi's diversified revenues, stronger profitability and deposit funding give it an edge over Upstart, despite its richer forward sales valuation.
Upstart NASDAQ: UPST CEO Paul Gu said the company is entering a “second leg” of its development, focused on converting its artificial-intelligence lending platform into sustained profitable growth while expanding into secured credit products.
The artificial intelligence (AI)-driven lending landscape has gained momentum as financial institutions increasingly turn to technology to improve credit underwriting, expand borrower access and manage risk. Pagaya Technologies Ltd.
Upstart Holdings, Inc. (UPST) Presents at Bank of America SMID Cap Virtual Conference Transcript
High interest rates and concerns about software-as-a-service stocks in the agentic AI era have weighed on Upstart stock. Upstart delivered solid performance in the second quarter, with a 42% year-over-year increase in revenue and positive net income.
Upstart delivered strong Q2 results with 50% YoY originations growth and 42% revenue growth, returning to GAAP profitability. I maintain a "Neutral" rating on UPST, citing valuation compression as investors compare it to traditional lenders despite its AI-driven underwriting. Management reaffirmed $1.3 billion revenue guidance and a 21% adjusted EBITDA margin for 2026, targeting 35% annual revenue growth over three years.
Digital lender Upstart saw loan originations jump 50% as it prepares to launch its bank. The company reported earnings Tuesday (Aug. 5) showing revenues of $365 million, a 42% increase over the same quarter in 2025.
Upstart Holdings, Inc. (UPST) Q2 2026 Earnings Call Transcript
Upstart NASDAQ: UPST reported second-quarter 2026 results marked by accelerating loan originations, higher contribution margins and a return to GAAP profitability, while reaffirming its full-year financial outlook despite a higher macroeconomic risk indicator.
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