Business Description
Upstart Holdings Inc
NAICS : 522291
SIC : 6163
ISIN : US91680M1071
Share Class Description:
FRA:855: Ordinary SharesTotal Employee Number:
1,405Compare
Compare
Traded in other countries / regions
UPST.USAUPST.MexicoU2PS34.Brazil855.Germany1UPST.ItalyUPST.Switzerland IPO Date
2021-08-24Description
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).
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.25 | |||||
Equity-to-Asset | 0.25 | |||||
Debt-to-Equity | 2.65 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 4/9 | |||||
Beneish M-Score | -1.36 | |||||
WACC vs ROIC | ||||||
Growth Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -2 | |||||
3-Year EPS without NRI Growth Rate | 22.2 | |||||
3-Year FCF Growth Rate | 42.7 | |||||
3-Year Book Growth Rate | -0.5 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 43.34 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 34.68 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 53.67 | |||||
9-Day RSI | 55.4 | |||||
14-Day RSI | 55.17 | |||||
3-1 Month Momentum % | 9.43 | |||||
6-1 Month Momentum % | -39.23 | |||||
12-1 Month Momentum % | -53.59 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -6.5 | |||||
Shareholder Yield % | -15.62 |
Profitability Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 4.42 | |||||
FCF Margin % | -25.77 | |||||
OCF Margin % | -24.05 | |||||
ROE % | 6.72 | |||||
ROA % | 1.81 | |||||
Years of Profitability over Past 10-Year | 3 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 88.58 | |||||
Forward PE Ratio | 14.33 | |||||
PE Ratio without NRI | 34.35 | |||||
Price-to-Owner-Earnings | 38.87 | |||||
PEG Ratio | 5.13 | |||||
PS Ratio | 3.15 | |||||
PB Ratio | 4.39 | |||||
Price-to-Tangible-Book | 4.89 | |||||
EV-to-Revenue | 4.19 | |||||
EV-to-Forward-Revenue | 3.67 | |||||
EV-to-FCF | -16.34 | |||||
Price-to-GF-Value | 0.55 | |||||
Price-to-Graham-Number | 2.73 | |||||
FCF Yield % | -8.9 | |||||
Forward Rate of Return (Yacktman) % | -7.05 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
Upstart Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 961.659 | ||
| EPS (TTM) (€) | 0.323 | ||
| Beta | 3.7035 | ||
| 3-Year Sharpe Ratio | 0.41 | ||
| 3-Year Sortino Ratio | 0.78 | ||
| Volatility % | 75.78 | ||
| 14-Day RSI | 55.17 | ||
| 14-Day ATR (€) | 0.982878 | ||
| 20-Day SMA (€) | 27.022 | ||
| 12-1 Month Momentum % | -53.59 | ||
| 52-Week Range (€) | 20.73 - 72.93 | ||
| Shares Outstanding (Mil) | 95.71 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Upstart Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Upstart Holdings Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-04 16:30 | In 129 days | ||
| Third quarter earnings results for 2026 | 2026-11-04 | In 128 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-05 16:30 | In 38 days | ||
| Second quarter earnings results for 2026 | 2026-08-05 | In 37 days | ||
| Mizuho Technology Conference | 2026-06-10 13:05 | 26.35 (-0.58%) | ||
| General meeting for 2026 | 2026-05-28 09:00 | 26.10 (+0.40%) | ||
| J.P. Morgan Global Technology, Media & Communications Conference | 2026-05-19 13:15 | 24.81 (+0.67%) | ||
| First quarter earnings conference call for 2026 | 2026-05-05 16:30 | 27.55 (+0.35%) | ||
| First quarter earnings results for 2026 | 2026-05-05 | 27.55 (+0.35%) | ||
| Sanjay Datta Fireside Chat at the Morgan Stanley Technology, Media & Telecom Conference | 2026-03-03 13:50 | 22.02 (+1.43%) |
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Upstart Holdings Inc Frequently Asked Questions
What is Upstart Holdings Inc(FRA:855)'s stock price today?
The current price of FRA:855 is €27.70. The 52 week high of FRA:855 is €72.93 and 52 week low is €20.73.
When is next earnings date of Upstart Holdings Inc(FRA:855)?
The next earnings date of Upstart Holdings Inc(FRA:855) is 2026-08-05 Est..
Does Upstart Holdings Inc(FRA:855) pay dividends? If so, how much?
Upstart Holdings Inc(FRA:855) does not pay dividend.
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