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 | 3.19 |
| Price-to-Sales (TTM) | 1.91 |
| EV/Revenue | 3.723 |
| EV/EBITDA | — |
| Quarterly Earnings Growth (YoY) | 211.20% |
| Quarterly Revenue Growth (YoY) | 42.30% |
| Shares Outstanding | $97.31M |
| Float | $83.53M |
| % Insiders | 12.94% |
| % Institutions | 63.16% |
Volatility is currently contracting
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
CEO Paul Gu called the perception gap facing Upstart "quite severe." The company has made its business much more resilient in the last few years.
Upstart NASDAQ: UPST CEO Paul Gu said the company is concentrating its efforts on expanding its core personal loan business, which he described as the company's most differentiated and highest-margin product. Gu said the segment's growth accelerated in the second quarter, with core personal loan growth reaching roughly 3.5 times the growth recorded across the prior three quarters combined.
Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript
Upstart (UPST) reported earnings 30 days ago. What's next for the stock?
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes August 2026 Originations and Latest UMI.
The fee-based revenues underscore Upstart's likely to be a resilient AI-powered lending marketplace, aided by the growing third-party funding capacity. Further margin expansion from FY2027 may be driven by the robust unsecured loan growth and the projected breakeven secured segment by Q4 '26. UPST's consolidation has contributed to the cheap EV/Sales of 3.12x and 3Y PEG ratio of 0.36x, along with the excellent doubling upside potential to my LTPT of $59.10.
Upstart Holdings, Inc. is scaling rapidly, driven by AI-powered loan origination and expanding transaction volumes. UPST's platform saw 50% year-over-year growth in loan originations in Q2, reaching 558,014 total loans, with improving channel conversion rates. Upstart still benefits from strong credit demand for personal loans which are driving origination volumes.
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.
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