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Upstart Holdings
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Company
Company
Ticker
UPST
MA
V
AXP
Headquarter
San Mateo ,CA
US
Purchase ,NY
US
San Francisco ,CA
US
New York City ,NY
US
CEO
David J. Girouard
Michael Miebach
Ryan McInerney
Stephen Joseph Squeri
Industry
Financial - Credit Services
Financial - Credit Services
Financial - Credit Services
Financial - Credit Services
Stock Price
Stock Price
Market Cap
Market Cap
$2.77 B
$438.09 B
$611.01 B
$214.32 B
Employees
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Employees
  • 1.39 K
  • 1.19 K
  • 1.41 K
  • 33.40 K
  • 35.30 K
  • 39.80 K
  • 28.80 K
  • 31.60 K
  • 34.10 K
  • 74.60 K
  • 75.10 K
  • 76.80 K
Y/Y
25.97%
14.05%
17.77%
11.71%
5.69%
12.75%
8.68%
9.72%
7.91%
3.49%
0.67%
2.26%

Income Statement

Revenue
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Revenue
  • $547.72 M
  • $676.96 M
  • $1.04 B
  • $25.10 B
  • $28.17 B
  • $32.79 B
  • $32.65 B
  • $35.93 B
  • $40.00 B
  • $67.36 B
  • $74.20 B
  • $80.46 B
Y/Y
35.81%
23.6%
54.2%
12.87%
12.23%
16.42%
11.41%
10.02%
11.34%
21.1%
10.15%
8.44%
Revenue by Products / Services
Years
  • 2025
  • 2025
  • 2025
  • 2025
Revenue by Geography
Years
  • 2025
  • 2025
  • 2025
Research and Development
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Research and Development
  • -
  • -
  • $257.60 M
  • -
  • -
  • -
  • -
  • -
  • -
  • -
  • -
  • -
Y/Y
0%
0%
100%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Operating Income
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Operating Income
  • -$240.03 M
  • -$128.40 M
  • $42.63 M
  • $14.01 B
  • $15.58 B
  • $19.40 B
  • $21.00 B
  • $23.60 B
  • $26.56 B
  • $10.51 B
  • $12.90 B
  • $16.60 B
Y/Y
120.06%
46.51%
133.2%
14.22%
11.24%
24.51%
11.62%
12.36%
12.55%
9.68%
22.66%
28.76%
Tax Rate (%)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Tax Rate (%)
  • -0.04%
  • -0.14%
  • 1.34%
  • 17.92%
  • 15.60%
  • 19.43%
  • 17.89%
  • 17.45%
  • 17.10%
  • 20.35%
  • 21.45%
  • 21.47%
Y/Y
111.89%
223.22%
1029.99%
16.66%
12.93%
24.54%
2.07%
2.48%
2.03%
5.83%
5.43%
0.1%
Net Income
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Net Income
  • -$240.13 M
  • -$128.58 M
  • $53.60 M
  • $11.20 B
  • $12.87 B
  • $14.97 B
  • $17.27 B
  • $19.74 B
  • $20.06 B
  • $8.37 B
  • $10.13 B
  • $10.78 B
Y/Y
120.98%
46.45%
141.69%
12.74%
15%
16.27%
15.48%
14.3%
1.6%
11.45%
20.96%
6.38%
Revenue Per Employee
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Revenue Per Employee
  • $394.61 K
  • $567.44 K
  • $742.96 K
  • $751.44 K
  • $797.93 K
  • $823.89 K
  • $1.13 M
  • $1.14 M
  • $1.17 M
  • $903.00 K
  • $988.03 K
  • $1.05 M
Y/Y
13.29%
43.8%
30.93%
1.04%
6.19%
3.25%
2.51%
0.27%
3.18%
25.49%
9.42%
6.04%
Net Income Per Employee
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Net Income Per Employee
  • -$173.01 K
  • -$107.78 K
  • $38.15 K
  • $335.18 K
  • $364.70 K
  • $376.08 K
  • $599.76 K
  • $624.78 K
  • $588.21 K
  • $112.25 K
  • $134.87 K
  • $140.30 K
Y/Y
198.52%
37.7%
135.4%
0.93%
8.81%
3.12%
6.26%
4.17%
5.85%
15.48%
20.15%
4.02%

Assets & Liabilities | Cash Flow

Total Assets
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Total Assets
  • $2.02 B
  • $2.37 B
  • $2.97 B
  • $42.45 B
  • $48.08 B
  • $54.16 B
  • $90.50 B
  • $94.51 B
  • $99.63 B
  • $261.11 B
  • $271.46 B
  • $300.05 B
Y/Y
4.19%
17.34%
25.68%
9.62%
13.27%
12.64%
5.85%
4.43%
5.41%
14.34%
3.97%
10.53%
Total Liabilities
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Total Liabilities
  • $1.38 B
  • $1.73 B
  • $2.18 B
  • $35.45 B
  • $41.57 B
  • $46.41 B
  • $51.77 B
  • $55.37 B
  • $61.72 B
  • $233.05 B
  • $241.20 B
  • $266.58 B
Y/Y
9.35%
25.47%
25.51%
9.6%
17.25%
11.66%
3.7%
6.97%
11.46%
14.44%
3.5%
10.52%
Capital Expenditures (Capex)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Capital Expenditures (Capex)
  • -$1.53 M
  • -$837.00 K
  • -
  • -$371.00 M
  • -$474.00 M
  • -$489.00 M
  • -$1.06 B
  • -$1.26 B
  • -$1.48 B
  • -$1.56 B
  • -$1.91 B
  • -
Y/Y
93.34%
45.19%
100%
66.18%
27.76%
3.16%
9.18%
18.7%
17.9%
15.74%
22.26%
100%

Profitability

Operating Income Margin (%)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Operating Income Margin (%)
  • -43.82%
  • -18.97%
  • 5.05%
  • 55.81%
  • 55.32%
  • 59.17%
  • 64.31%
  • 65.68%
  • 59.99%
  • 15.61%
  • 17.38%
  • 17.14%
Y/Y
242.83%
56.72%
126.63%
1.2%
0.88%
6.95%
0.2%
2.12%
8.67%
9.43%
11.36%
1.35%
Net Income Margin (%)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Net Income Margin (%)
  • -43.84%
  • -18.99%
  • 4.98%
  • 44.61%
  • 45.71%
  • 45.65%
  • 52.90%
  • 54.95%
  • 50.15%
  • 12.43%
  • 13.65%
  • 13.46%
Y/Y
244.27%
56.68%
126.24%
0.11%
2.47%
0.13%
3.66%
3.89%
8.75%
7.98%
9.81%
1.37%
EBITDA
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
EBITDA
  • -$215.12 M
  • -$107.85 M
  • $42.63 M
  • $15.01 B
  • $16.80 B
  • $20.44 B
  • $22.62 B
  • $25.59 B
  • $26.00 B
  • $12.16 B
  • $14.57 B
  • $16.60 B
Y/Y
125.11%
49.87%
139.53%
15.9%
11.88%
21.71%
15.81%
13.11%
1.61%
8.5%
19.79%
13.95%
Free Cash Flow (FCF)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Free Cash Flow (FCF)
  • -$162.02 M
  • $185.49 M
  • -$147.73 M
  • $11.61 B
  • $14.31 B
  • $17.16 B
  • $19.70 B
  • $18.69 B
  • $21.58 B
  • $17.00 B
  • $12.14 B
  • $18.43 B
Y/Y
76.77%
214.49%
179.64%
14.96%
23.23%
19.94%
10.16%
5.09%
15.43%
11.59%
28.58%
51.81%

Ratios

Return on Equity (ROE)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Return on Equity (ROE)
  • -37.80%
  • -20.31%
  • 6.71%
  • 161.57%
  • 198.52%
  • 0.00%
  • 44.60%
  • 50.45%
  • 52.91%
  • 29.85%
  • 33.47%
  • 32.19%
Y/Y
133.9%
46.28%
133.04%
2.47%
22.87%
100%
6.09%
13.12%
4.89%
1.85%
12.14%
3.82%
Return on Assets (ROA)
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Return on Assets (ROA)
  • -11.90%
  • -5.43%
  • 1.80%
  • 26.37%
  • 26.78%
  • 0.00%
  • 19.09%
  • 20.89%
  • 20.13%
  • 3.21%
  • 3.73%
  • 3.59%
Y/Y
112.1%
54.37%
133.17%
2.85%
1.53%
100%
9.11%
9.45%
3.62%
2.53%
16.34%
3.76%
Debt to Equity
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Debt to Equity
  • 173.58%
  • 229.38%
  • 231.63%
  • 226.31%
  • 281.05%
  • 245.57%
  • 52.83%
  • 53.24%
  • 66.40%
  • 175.21%
  • 168.81%
  • 172.55%
Y/Y
7.36%
32.15%
0.98%
1.64%
24.19%
12.62%
16.27%
0.77%
24.72%
1.42%
3.65%
2.21%

Valuation

Enterprise Value
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Enterprise value
  • $4.15 B
  • $6.17 B
  • $3.55 B
  • $409.72 B
  • $496.86 B
  • $0.00
  • $484.27 B
  • $566.73 B
  • $666.24 B
  • $140.32 B
  • $222.15 B
  • $267.08 B
Y/Y
137.17%
48.65%
42.48%
19.24%
21.27%
100%
25.39%
17.03%
17.56%
15.64%
58.31%
20.23%
Enterprise value to Revenue
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Enterprise value to Revenue
  • 7.57
  • 9.11
  • 3.40
  • 16.32
  • 17.64
  • 0.00
  • 14.83
  • 15.78
  • 16.66
  • 2.08
  • 2.99
  • 3.32
Y/Y
269.48%
20.27%
62.7%
5.64%
8.06%
100%
12.55%
6.37%
5.58%
4.51%
43.72%
10.87%
Enterprise value to EBITDA
Years
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
  • 2023
  • 2024
  • 2025
Enterprise value to EBITDA
  • -19.28
  • -57.18
  • 83.20
  • 27.29
  • 29.58
  • 0.00
  • 21.40
  • 22.15
  • 25.62
  • 11.54
  • 15.25
  • 16.09
Y/Y
5.35%
196.52%
245.52%
2.88%
8.39%
100%
8.27%
3.46%
15.69%
6.58%
32.16%
5.51%

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