Upstart Holdings Inc

UPST's Fundamental analysis

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UPST Growth rates comparisons

Looking into Upstart Holdings Inc growth rates, revenue grew by 70.9 % in the third quarter of 2025 from the same quarter a year ago. Ranking at No. 1088

Miscellaneous Financial Services industry recorded growth of revenues by 10.67 %

Upstart Holdings Inc realized net income compared to net loss a year ago in third quarter of 2025

• More on UPST's Growth

UPST's Valuation comparisons

Upstart Holdings Inc
current PE on trailing twelve month basis is above Miscellaneous Financial Services industry average.

Upstart Holdings Inc PEG ratio is at -1.56 Company is currently trading with Price to Cash flow multiple of 23.45 in trailing twelve-month period.

Company

174.52

PE TTM

Industry

82.85

PE TTM

Company's Price to Sales ratio is at 4.39.
Miscellaneous Financial Services industry's Price to Sales ratio is at 3.57.

• More on UPST's Valuation

Total Debt (Millions $)	1,856
Dividend TTM ($)	0 $
Dividend Yield TTM (%)	-
Revenue/Employee (TTM) $	1,487,278
Net Income/Employee (TTM) $	115,165
Receivable Turnover (TTM)	-
Tangible Book Value (Per Share $)	6.17

UPST's Valuation comparisons

Company

174.52

PE TTM

Industry

82.85

PE TTM

Company's Price to Sales ratio is at 4.39.
Miscellaneous Financial Services industry's Price to Sales ratio is at 3.57.

Upstart Holdings Inc Price to Book Ratio is at 5.71 lower than Industry Avg. of 664.74. and higher than S&P 500 Avg. of 0.02

• More on UPST's Valuation

• Market Capitalization (Millions $)	4,249
• Shares Outstanding (Millions)	110
• Employees	650
• Revenues (TTM) (Millions $)	967
• Net Income (TTM) (Millions $)	75
• Cash Flow (TTM) (Millions $)	181
• Capital Exp. (TTM) (Millions $)	-18
• Total Debt (Millions $)	1,856
• Dividend TTM ($)	0 $
• Dividend Yield TTM (%)	-
• Revenue/Employee (TTM) $	1,487,278
• Net Income/Employee(TTM) $	115,165
• Receivable Turnover Ratio (TTM)	-
• Tangible Book Value (Per Share $)	6.17

• Market Capitalization (Millions $)	4,249
• Shares Outstanding (Millions)	110
• Employees	650
• Revenues (TTM) (Millions $)	967
• Net Income (TTM) (Millions $)	75
• Cash Flow (TTM) (Millions $)	181
• Capital Exp. (TTM) (Millions $)	-18

UPST's Profitability Comparisons

Upstart Holdings Inc achieved increase in profitability, due to increase in demand and cost control. Operating Margin grew in third quarter of 2025 to 8.54 % from 1.77 % in II. Quarter.

Upstart Holdings Inc net profit margin of 23 % is currently ranking no. 26 in Miscellaneous Financial Services industry, ranking no. 332 in Financial sector and number 544 in S&P 500.

Profitability by Segment
Total	23 %

	*Ratio*
• Capital Ratio (MRQ)	14.79
• Total Debt to Equity (MRQ)	2.5
• Tangible Leverage Ratio (MRQ)	3.37
• Asset Turnover Ratio (TTM)	0.43
• Inventory Turnover Ratio (TTM)	-

UPST's Profitability Comparisons

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