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NASDAQFinancial ServicesFinancial - Credit Services
Latest quote
$25.585
−$0.305 · -1.18%
Upstart Holdings, Inc., 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 platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Regular session
$25.585
−$0.305 · -1.18%
Regular session · ET · Market data may be delayed.
Upstart Holdings, Inc., 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 platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Day range
Current $25.585
52-week range
Current $25.585
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
75
Undervalued
Sentiment
65
Bullish
Risk
75
High Risk
Momentum
38
Weakening
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
Upstart Holdings, Inc., 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 platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Day range
Current $25.585
52-week range
Current $25.585
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.08B USD | 676.96M USD | 547.72M USD | 853.29M USD | 849.89M USD |
| Cost of goods sold | 51.54M USD | 48.13M USD | 39.6M USD | 15.53M USD | 3.27M USD |
| Gross profit | 1.02B USD | 628.83M USD | 508.12M USD | 837.76M USD | 846.61M USD |
| Selling, general, and administrative | 743.62M USD | 555.73M USD | 489.95M USD | 719.06M USD | 572.47M USD |
| Operating expenses | 969.66M USD | 757.23M USD | 748.14M USD | 946.83M USD | 712.88M USD |
| Interest income | 204.23M USD | 186.36M USD | 169M USD | 105.58M USD | 20.63M USD |
| Interest expense | 51.54M USD | 48.13M USD | 39.6M USD | 15.53M USD | 3.27M USD |
| Depreciation and amortization | 24.84M USD | 20.55M USD | 24.9M USD | 13.51M USD | 7.54M USD |
| Operating income | 54.33M USD | −128.4M USD | −240.03M USD | −109.07M USD | 133.73M USD |
| Net income | 53.6M USD | −128.58M USD | −240.13M USD | −108.67M USD | 135.44M USD |
Company facts updated Sep 10, 2026.
Recent quarterly results
Recent quarterly results
Third-party consensus; not a GoAI recommendation.
Average target
$39.25
53.41% upsideFunds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI71.02M0.00%2.3T USD0.03%$373.58-0.53%
iShares Russell 2000 ETFIWM56.55M0.07%80.51B USD0.19%$288.03-0.90%
Vanguard Morningstar Small-Cap ETFVB51.29M0.03%183.4B USD0.03%$291.87-0.75%
Vanguard Morningstar Small-Cap Growth ETFVBK29.45M0.07%43.8B USD0.05%$339.74-0.90%
Vanguard Extended Market ETFVXF26.58M0.03%93.7B USD0.05%$236.62-0.86%
Fidelity Enhanced Small Cap ETFFESM24.43M0.37%6.49B USD0.28%$46.07-1.03%
iShares Russell 2000 Growth ETFIWO21M0.14%14.7B USD0.24%$367.07-1.05%
Vanguard Russell 2000 ETFVTWO13.17M0.07%17.4B USD0.06%$116.45-0.90%Vanguard Morningstar Total Stock Market ETFVTIiShares Russell 2000 ETFIWMVanguard Morningstar Small-Cap ETFVBVanguard Morningstar Small-Cap Growth ETFVBKVanguard Extended Market ETFVXFFidelity Enhanced Small Cap ETFFESMiShares Russell 2000 Growth ETFIWOVanguard Russell 2000 ETFVTWOAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
