UPST — Upstart Holdings Inc. price, chart and key statistics

Price data

Price

$23.65

YTD price return

-45.92%

YTD total return

-45.92%

Next earnings

Nov 3, 2026 · Before open

Market cap

2.3B2020-12 3B2026-10 2.3B-23.0% over the window

Enterprise value

1.9B

Shares outstanding

97.3M2019-12 14.3M2026-06 97.3M+578.8% over the window

52W low

$22.21

52W high

$55.22

From 52W high

-57.17%

From 52W low

+6.48%

52W range

4%

Volume

Rel volume

0.82×

30D volume

4.3M

30D $ vol

104.7M

Fundamentals

Sales (ttm)

1.2B2019-12 164.2M2026-06 1.2B+659.0% over the window

Sales/share

$12.812019-12 $11.452026-06 $12.81+11.8% over the window

EPS (ttm)

$0.562019-12 -$0.032026-06 $0.56-1977.1% over the window

FCF (ttm)

-289M2019-12 27.6M2026-06 -289M-1148.1% over the window

FCF/share

-$2.972019-12 $1.922026-06 -$2.97-254.4% over the window

Book value/share

$8.202019-12 -$4.302026-06 $8.20-290.4% over the window

Net margin

4.84%2019-12 -0.3%2026-06 4.8%-1805.9% over the window

ROE

7.57%2020-12 2.0%2026-06 7.6%+279.7% over the window

ROA

1.90%2020-12 1.3%2026-06 1.9%+51.8% over the window

Growth (CAGR, ttm) · 10Y

Sales

+46.34%2025-06-30 → 2026-06-30851.8M → 1.2B (+46.3% total)+27.88%2023-06-30 → 2026-06-30595.8M → 1.2B (+109.2% total)+36.15%2020-12-31 → 2026-06-30228.6M → 1.2B (+445.1% total)n/a

Net income

n/an/a+0.76%2021-06-30 → 2026-06-3058.1M → 60.3M (+3.9% total)n/a

Shares

+1.14%2025-06-30 → 2026-06-3096.2M → 97.3M (+1.1% total)+5.07%2023-06-30 → 2026-06-3083.9M → 97.3M (+16.0% total)+4.59%2021-06-30 → 2026-06-3077.8M → 97.3M (+25.1% total)n/a

Per-share growth (CAGR, ttm) · 10Y

EPS

n/an/a-10.34%2021-06-30 → 2026-06-30$0.97 → $0.56 (-42.1% total)n/a

Sales/share

+44.69%2025-06-30 → 2026-06-30$8.85 → $12.81 (+44.7% total)+21.71%2023-06-30 → 2026-06-30$7.10 → $12.81 (+80.3% total)+29.32%2020-12-31 → 2026-06-30$3.12 → $12.81 (+310.7% total)n/a

Book value/share

+9.22%2025-06-30 → 2026-06-30$7.50 → $8.20 (+9.2% total)+2.51%2023-06-30 → 2026-06-30$7.61 → $8.20 (+7.7% total)-2.30%2021-06-30 → 2026-06-30$9.21 → $8.20 (-11.0% total)n/a

Price

-52.93%2025-10-20 → 2026-10-20$50.22 → $23.65 (-52.9% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.-1.42%2023-10-20 → 2026-10-20$24.69 → $23.65 (-4.2% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.-41.86%2021-10-20 → 2026-10-20$355.82 → $23.65 (-93.4% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.n/a

Total return

-52.93%2025-10-20 → 2026-10-20$50.22 → $23.65 (-52.9% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.-1.42%2023-10-20 → 2026-10-20$24.69 → $23.65 (-4.2% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.-41.86%2021-10-20 → 2026-10-20$355.82 → $23.65 (-93.4% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.n/a

Fundamentals end at the last reported quarter; price and total return end at the latest close.

Valuation

P/E (ttm)Price ÷ TTM diluted EPS. Net income carries everything below the operating line, including one-off gains. Negative when the trailing year lost money.

42.0×2020-12 499.342026-10 38.15-92.4% over the window

P/OI (ttm)Price ÷ TTM operating income. Excludes the below-the-line items that make P/E jump — mark-to-market gains, settlements, tax true-ups.

46.3×2020-12 253.942026-10 46.30-81.8% over the window

Fwd P/E

6.8×

P/S (ttm)Market cap ÷ TTM revenue.

1.8×2020-12 13.072026-10 1.85-85.9% over the window

P/B (mrq)Market cap ÷ stockholders' equity at the most recent quarter end.

2.9×2020-12 9.952026-10 2.89-71.0% over the window

EV/EBITDA (fy)

24.8×

EV/Sales (ttm)

1.5×

FCF yield (ttm)TTM free cash flow ÷ market cap — the inverse of P/FCF.

-12.56%2020-12 0.5%2026-06 -8.4%-1846.3% over the window

Buyback yield (realized, 1y)1 − shares_at(2026-06-30) ÷ shares_at(2025-06-30) = 1 − 97.3M ÷ 96.2M. Point-in-time share counts from the company's own SEC filings (the same count at both ends), published only when the cash flow statement shows repurchases inside that window. A falling price can't inflate it; negative means net dilution.

-1.14%

Shareholder yield (realized, 1y)Buyback leg + dividend leg: shares retired over the year (-1.14%) + dividends paid over that year ($0) ÷ market_cap_at(2025-06-30) ($6.2B). Both legs are measured against the start of the window, so a payout can't shrink its own denominator.

-1.14%

Buyback yield (cash, ttm)Buybacks net of issuance over the trailing twelve months ($100.1M) ÷ today's market cap ($2.3B). Dollars SPENT over what the company is worth NOW — a stock that fell after buying reads high.

4.35%2020-12 0.0%2026-06 2.9%

Shareholder yield (cash, ttm)(TTM buybacks net of issuance $100.1M + TTM dividends $0) ÷ today's market cap ($2.3B). Same caveat as the cash buyback yield.

4.35%2020-12 0.0%2026-06 2.9%

Vs own 10Y history

P/E

14th

P/OI

16th

P/S

8th

P/B

14th