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Upstart Holdings
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Upstart Holdings Overview

Company: Upstart Holdings
CEO: David Joseph Girouard
Symbol: UPST
Exchange: NASDAQ
Industry: Financial - Credit Services
Sector: Financial Services
About

Upstart Holdings, together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platformludes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings was founded in 2012 and is headquartered in San Mateo, California.

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Upstart Holdings (UPST)

  • Stock Price
  • Volume
32.65 -89.55 -73.28%
Past 5 Years
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Revenue

Upstart Holdings annual revenue was $1.04 B in 2025.

Net Income

Upstart Holdings annual net income was $53.60 M in 2025.

Employees

Upstart Holdings annual employee count was 1,405 in 2025.

Revenue by Segment

Upstart Holdings’s revenue by segment: Borrower Fees: $29.38 M, Collection Agency Fees: $14.43 M, Other Fees: $2.76 M, Servicing Fees: $100.16 M and Servicing Fees, Net: $157.03 M in 2025.

Revenue by Region

No Data Available !!

Executive Salary

Dave Girouard Chief Executive Officer, at Upstart Holdings, makes $9...

Revenue per Employee

Upstart Holdings revenue per employee was $742.96 K in 2025.

Profit per Employee

Upstart Holdings profit per employee was $38.15 K in 2025.

Income Statement

Operating Income

Upstart Holdings annual operating income was $42.63 M in 2025.

Research & Development

Upstart Holdings annual research & development expense was $257.60 M in 2025.

Tax Rate (%)

Upstart Holdings annual Tax Rate was 1.00% in 2025.

Assets & Liabilities | Cash Flow

Total Assets

Upstart Holdings annual total assets was $2.97 B in 2025.

Total Liabilities

Upstart Holdings annual total liabilities was $2.18 B in 2025.

Capital Expenditure

Upstart Holdings annual capital expenditures was - in 2025.

Ratios

Return on Equity (ROE)

Upstart Holdings annual return on equity(ROE) was 6.71% in 2025.

Return on Assets (ROA)

Upstart Holdings annual return on assets(ROA) was 1.80% in 2025.

Debt to Equity

Upstart Holdings annual debt to equity was 231.63% in 2025.

Profitability

Gross Profit Margin (%)

Upstart Holdings annual gross profit margin was 0.00% in 2025.

Operating Income Margin (%)

Upstart Holdings annual operating income margin was 4.08% in 2025.

Net Income Margin (%)

Upstart Holdings annual net income margin was 4.98% in 2025.

Earning Per Share

Upstart Holdings annual earning per share was $0.56 in 2025.

EBITDA

Upstart Holdings annual EBITDA was $42.63 M in 2025.

Free Cash Flow (FCF)

Upstart Holdings annual free cash flow(FCF) was -$147.73 M in 2025.

Valuation

Enterprise value

Upstart Holdings annual enterprise value was $3.55 B in 2025.

Enterprise value to Revenue

Upstart Holdings annual enterprise value to revenue was 3.40 in 2025.

Enterprise value to EBITDA

Upstart Holdings annual enterprise value to EBITDA was 83.20 in 2025.

Competitors’ Revenue

Frequently Asked Questions

Who is the CEO of Upstart Holdings?

David Joseph Girouard is the CEO of Upstart Holdings.

What industry and sector is Upstart Holdings in?

Upstart Holdings operates in the Financial - Credit Services industry and the Financial Services sector.

What are Upstart Holdings's CIK, SIC, and ISIN codes?

  • CIK (Central Index Key):
  • SIC (Standard Industrial Classification):
  • ISIN (International Securities Identification Number): US91680M1071

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How many employees does Upstart Holdings have?

Upstart Holdings has 1,405 employees.

What is the revenue of Upstart Holdings?

In fiscal year 2025, Upstart Holdings generated a revenue of $1.04 Billion.

What is the net income of Upstart Holdings?

In fiscal year 2025, Upstart Holdings reported a net income of $53.60 Million.

What is Upstart Holdings's biggest product segment?

Servicing Fees, Net is Upstart Holdings's biggest product segment, representing 51.7% of its total revenue.

When was Upstart Holdings listed on the stock exchange?

Upstart Holdings went public on Dec 16, 2020, through its Initial Public Offering (IPO), and it has been 5 years since then.

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What is the ticker symbol of Upstart Holdings, and where is it listed?

Upstart Holdings's ticker symbol is UPST, and the company is listed on the NASDAQ stock market exchange.

What is Upstart Holdings's current stock price?

Upstart Holdings's current stock price is $32.67 as of Jun 25, 2026.

What is Upstart Holdings's market capitalization?

As of , Upstart Holdings's market cap is .

What is Upstart Holdings's ranking in the world?

Ranked #736among 3,048 companies based on market cap.

Who are the top competitors of Upstart Holdings?

Competitors of Upstart Holdings include Mastercard Incorporated, Visa and American Express Company, and more.

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