Upstart Holdings (UPST US)
UPST US$24.84
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Performance
Advanced charting functionality with the ability to amend timeframes, chart type & indicator selection, powered by TradingView.
Share price activity
Displays share price activity. Volume = number of shares traded, Turnover = value of shares traded, VWAP = volume-weighted average price for the day, sourced from Morningstar.
- Last (Price)
- 24.84
- Change
- ▲ 0.70 (2.90)
- Bid / Ask
- 24.14 - 24.50
- Volume
- 1,071,853
- Turnover
- 21,999,685
- Open
- 23.82
- Day Range
- 23.79 - 24.89
- VWAP
- 24.67
- Prev Close
- 24.14
- Last Trade
- 29/10 4:00pm
Key information
Displays key information on the security, sourced from Morningstar.
- Sector
- Financial Services
- Shares Issued
- 97,313,046
- NTA/Share
- 7.38
- Last Dividend
- —
- Dividend Ex Date
- —
- Dividend Pay Date
- —
Current (USD) · FY2025
Displays key financial data for the most recent fiscal year, in millions. Note - Per share data is in local currency terms irrespective of reporting currency, and may be different to the stated currency, sourced from Morningstar.
- Revenue
- 1,023.99
- EBITDA
- —
- Profit
- 53.60
- Earnings Per Share (EPS)
- 0.45
- Dividend Per Share (DPS)
- —
- Yield %
- 0.00
- Market Cap
- 2,417.26
- Price to Earnings Ratio (P/E)
- 47.77
Estimates (USD) · FY2027
Displays consensus analyst’s estimates for key measures for the next fiscal year, sourced from Morningstar.
- Revenue
- 1,770.00
- EBITDA
- —
- Profit
- 196.00
- Earnings Per Share (EPS)
- 1.80
- Dividend Per Share (DPS)
- —
Quantitative rating
Displays Morningstar’s Quantitative Equity Research Rating for the security: a star rating from 1 (overvalued) to 5 (undervalued) from the share price against a fair value estimated by a statistical model of Morningstar’s analyst ratings, with the model’s economic moat, financial health and fair value uncertainty, sourced from Morningstar.
Undervalued
- Economic Moat
- None
- Financial Health
- Moderate
- Uncertainty
- High
Morningstar Quantitative Rating as of 22 OCT 2026.
Quantitative Equity Rating Methodology – view here
Fair value estimate
Displays Morningstar’s quantitative fair value estimate for the security against the current share price, with the band around it: the five-star price below which the model would rate the stock five stars and the one-star price above which it would rate it one star, sourced from Morningstar.
Five-star price 23.02 Fair value 33.59 One-star price 49.03
Morningstar Quantitative Rating as of 22 OCT 2026.
Quantitative valuation
Displays where the share price sits in Morningstar’s quantitative fair value band, from the five-star price (undervalued) to the one-star price (overvalued), with the fair value estimate, the price to fair value ratio, the model’s valuation label and its uncertainty rating, sourced from Morningstar.
Buy
Sell
- Fair Value
- 33.59
- Price / Fair Value
- 0.71
- Valuation
- Undervalued
- Uncertainty
- High
Morningstar Quantitative Rating as of 22 OCT 2026. The slider runs from the five-star price (23.02) to the one-star price (49.03).
Displays useful ratios for the security, NB the pricing date used, sourced from Morningstar.
| Ratios |
|---|
| Currency (Price/reporting): USD/USD |
| Exchange Rate: 1.0000 |
Price, volume and trading statistics for the security, sourced from Morningstar.
| Price - closing or last bid | 23.85 |
| Price - 12 month high | 55.20 |
| Price - 12 month low | 22.22 |
| Pricing date | 21 OCT 2026 |
| Volume - avg. trading volume for the last ten days | 3.69 |
| Market capitalization | 2,320.92 |
| 12 Month High price date | 24 OCT 2025 |
| 12 Month Low price date | 14 OCT 2026 |
| Volume - avg. trading volume for the last 3 months | 4.31 |
| Price - 1 Day % Change | 0.80% |
| Price - 13 week price percent change | -16.72% |
| Price - 26 week price percent change | -31.35% |
| Price - 5 Day % Change | -3.64% |
| Price - 52 week price percent change | -52.66% |
| Price - YTD price percent change | -46.95% |
| Price % Change Month To Date | -8.16% |
Earnings, dividends, cash flow and book value per share, sourced from Morningstar.
| EPS excluding extraordinary items - most recent fiscal year | 0.450 |
| EPS excluding extraordinary items - trailing 12 month | 0.500 |
| EPS Normalized - most recent fiscal year | 1.595 |
| Revenue/share - most recent fiscal year | 9.526 |
| Revenue/share - trailing 12 month | 11.502 |
| Book value per share - most recent fiscal year | 8.148 |
| Book value per share - most recent quarter | 8.196 |
| Book value (tangible) per share - most recent fiscal year | 7.380 |
| Book value (tangible) per share - most recent quarter | 7.427 |
| Cash per share - most recent fiscal year | 6.655 |
| Cash per share - most recent quarter | 4.686 |
| Cash Flow per share - most recent fiscal year | -1.622 |
| Cash Flow per share - trailing 12 month | -2.798 |
| Dividend per share - most recent fiscal year | — |
| Dividends per share - trailing 12 month | 0.000 |
| EBITD per share - trailing 12 month | — |
| EPS Basic excluding extraordinary items - most recent fiscal year | 0.560 |
| EPS Basic excluding extraordinary items - trailing 12 month | 0.620 |
| EPS including extraordinary items - most recent fiscal year | 0.560 |
| EPS including extraordinary items - trailing 12 month | 0.620 |
| Free Cash Flow per share - trailing 12 month | -2.996 |
Valuation multiples such as P/E, price to sales, price to book and enterprise value ratios, sourced from Morningstar.
| P/E excluding extraordinary items, most recent fiscal year | 47.70 |
| P/E Normalized, most recent fiscal year | 13.20 |
| Price to sales - most recent fiscal year | 2.07 |
| Price to Tangible Book - most fiscal year | 3.21 |
| Price to Free Cash Flow per Share - most recent fiscal year | — |
| Price to Cash Flow per share - trailing 12 month | — |
| Price to Book - most recent fiscal year | 2.91 |
| P/E excluding extraordinary items high, trailing 12 months | 195.00 |
| P/E excluding extraordinary items low, trailing 12 months | 45.48 |
| Net Debt, LFI | 1,569.52 |
| Net Debt, LFY | 1,197.91 |
| Dividend Yield - 5 Year Average | — |
| Dividend Yield - indicated annual dividend divided by closing price | — |
| Current Dividend Yield - Common Stock Primary Issue, LTM | 0.00% |
Cash flow, liquidity and leverage measures, sourced from Morningstar.
| Free Cash Flow - most recent fiscal year | -192.78 |
| LT debt/equity - most recent fiscal year | — |
| Payout ratio - most recent fiscal year | — |
| Total debt/total equity - most recent fiscal year | 231.63% |
| LT debt/equity - most recent quarter | — |
| Total debt/total equity - most recent quarter | 253.98% |
| Free Cash Flow - trailing 12 month | -319.42 |
| Payout ratio - trailing 12 month | — |
Key income statement lines for the most recent fiscal year, in millions, sourced from Morningstar.
| Revenue - most recent fiscal year | 1,023.99 |
| Revenue - trailing 12 month | 1,226.25 |
| EBITD - most recent fiscal year | — |
| EBITD - trailing 12 month | — |
| Earnings before taxes - most recent fiscal year | 54.33 |
| Earnings before taxes - trailing 12 month | 61.68 |
| Net Income available to common - most recent fiscal year | 53.60 |
| Net Income available to common - trailing 12 months | 60.33 |
| Earnings before taxes Normalized - most recent fiscal year | 179.03 |
| Net Income Available to Common, Normalized - most recent fiscal year | — |
| Earnings per Share, Normalized, Excluding Extraordinary Items, Avg. Diluted Shares Outstanding, TTM | 1.81 |
Profitability margins for the most recent fiscal year, sourced from Morningstar.
| Net Profit Margin % - 1st historical fiscal year | 5.23% |
| Net Profit Margin % - trailing 12 month | 4.92% |
| Operating margin - 1st historical fiscal year | — |
| Operating margin - trailing 12 month | — |
| Pretax margin - trailing 12 month | 5.03% |
| Pretax margin - 1st historical fiscal year | 5.31% |
| Operating Margin - 5 year average | — |
| Pretax Margin - 5 year average | -11.91% |
| Free Operating Cash Flow/Revenue, 5 Year Average | -19.77% |
| Free Operating Cash Flow/Revenue, TTM | -26.05% |
| Net Profit Margin - 5 year average | -11.89% |
Returns on average assets and equity for the fiscal year, the trailing 12 months and as 5 year averages, and net income and revenue per employee in whole currency, sourced from Morningstar.
| Return on average assets - most recent fiscal year | 2.06% |
| Return on average assets - trailing 12 month | 2.08% |
| Return on average equity - most recent fiscal year | 7.50% |
| Return on average equity - trailing 12 month | 7.95% |
| Return on average assets - 5 year average | -2.55% |
| Return on average equity - 5 year average | -9.05% |
| Net Income/employee - most recent fiscal year | 38,150.18 |
| Revenue/employee - most recent fiscal year | 728,814.95 |
Growth in revenue, earnings, dividends and book value over recent periods, sourced from Morningstar.
| Revenue growth rate, 5 year | 35.76% |
| EPS growth rate, 5 year | — |
| Growth rate% - dividend, 3 year | — |
| Revenue/share (5 yr growth) | -5.56% |
| Growth rate% - Revenue, 3 year | 6.92% |
| Growth rate% - EPS, 3 year | — |
| Book value per share growth rate, 5 year | 14.75% |
| Capital Spending growth rate, 5 year | 26.85% |
| Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR | — |
Displays analyst’s forecasts for key measures. The estimates can be expanded to see the spread of the calls. Full lines = reported, and dotted lines are forward estimates. Click a measure to add or remove it from the chart, sourced from Morningstar.
Financial forecast (USD, millions except per share)
| Actuals | Estimates | |||||||
| 2025 | 2026 | 2027 | 2028 | |||||
| Estimate breakdown | ||||||||
Financial metrics can be plotted on the graph to see trends. Multiple metrics from multiple statements can be plotted against each other, sourced from Morningstar.
Financials (USD, millions)
| Period end: | DEC 21 | DEC 22 | DEC 23 | DEC 24 | DEC 25 |
| Fiscal year: | 2021 | 2022 | 2023 | 2024 | 2025 |
| Period length: | 12 months | 12 months | 12 months | 12 months | 12 months |
Displays all company announcements released by the company to the exchange, sourced from Morningstar.
Announcements
Announcements are available for ASX-listed companies only.
Opinion
No opinions for this company yet.
Action
No actions for this company yet.
Business Summary
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. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
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