P/B
2,9
Upstart Holdings
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.
$2.3B
Market Cap • 10/9/2026
2013
(13 years)
Founded
2020
(6 years ago)
IPO
NASDAQ
Listing Exchange
United States
Country
Valuation
P/S
1,9
P/EBITDA
31,2
P/OCF
—
P/FCF
—
P/E
49,2
BVPS
8,2
EPS
0,6
Market Cap
Market Cap
2,3B
EV
3,9B
EV/Revenue
3,1
EV/EBITDA
52
EV/EBIT
78,8
Payout
Dividend Per Share
0
Dividend Yield
0%
Buyback Yield
3,5%
Total Yield
3,5%
Payout
0%
Retained Earnings
-347,7M
Profitability
Gross Margin
82,5%
EBITDA Margin
6%
EBIT Margin
4%
Net Margin
4,8%
D&A/EBITDA
0%
R&D/Revenue
24,5%
Capex/Revenue
0,4%
Capex/D&A
19,7%
Capex/OCF
-1,8%
SBC/OCF
—
% PPE
2,2%
% Goodwill
2,1%
ROE
7,9%
ROIC
2,3%
Growth
CAGR Revenue 5Y
21,7%
CAGR Op. Income 5Y
-7,8%
CAGR Net Income 5Y
0,8%
CAGR EPS 5Y
-9,8%
Leverage
N.D./EBITDA
20,8
Debt/Equity
0%
Current Ratio
2,8
Quick Ratio
1,3
Interest Coverage
—
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