Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google.
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| UPST | Upstart Holdings, Inc. | 2026-02-18 05:02:30 | 32.23 | 0.26 | 0.81 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UPST | 0001647639 | Upstart Holdings, Inc. | US91680M1071 | 549300WNB47JRNENIC75 | 464332431 | Nasdaq | 6199 | Finance Services | 1231 | DE | 2950 S. DELAWARE STREET, SUITE 410 | SAN MATEO | CA | 94403 | UNITED STATES | US | (650) 204-1000 | 2950 S. DELAWARE STREET, SUITE 410, SAN MATEO, CA, 94403 | 2950 S. DELAWARE STREET, SUITE 410, SAN MATEO, CA, 94403 | — | Financial technology | 2012 | — | 1,193 | https://upstart.com | 5,437,795,847 | 98,033,361 | 98,061,276 | Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google. | 2026-02-12 16:53:58 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2025 | 5,437,795,847 | 3,610,700,690 | 197.6197 | 98,061,276 | 4,350,280 | 4.6422 |
| 2024 | 1,827,095,157 | -767,180,920 | -29.5721 | 93,710,996 | 7,280,732 | 8.4238 |
| 2023 | 2,594,276,077 | 359,923,938 | 16.1086 | 86,430,264 | 5,043,835 | 6.1974 |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Paul Gu | Chief Technology Officer | 2024 | 450,000 | 0 | 1,575,926 | 749,694 | 4,500 | 4,403,184 |
| Scott Darling | Chief Legal Officer, Corporate Secretary | 2024 | 435,000 | 0 | 787,976 | 483,059 | 4,500 | 2,557,459 |
| Dave Girouard | Chief Executive Officer | 2024 | 500,000 | 0 | 0 | 801,124 | 0 | 7,113,468 |
| Sanjay Datta | Chief Financial Officer | 2024 | 450,000 | 0 | 1,575,926 | 749,694 | 4,500 | 4,403,184 |
| Scott Darling | Chief Legal Officer, Corporate Secretary | 2023 | 410,000 | 92,603 | 0 | 180,656 | 4,500 | 687,759 |
| Fiscal Year | Employee Count |
|---|---|
| 2025 | 1,405 |
| 2024 | 1,193 |
| 2023 | 1,388 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | 1,043,857,000 | 636,528,000 | 513,562,000 |
| Cost Of Revenue | — | — | — |
| Gross Profit | — | — | — |
| Research And Development Expenses | 257,602,000 | 253,653,000 | 280,138,000 |
| General And Administrative Expenses | 253,740,000 | 230,935,000 | 212,388,000 |
| Operating Expenses | 1,001,226,000 | 809,384,000 | 770,087,000 |
| Operating Income | 42,631,000 | -172,856,000 | -256,525,000 |
| Net Income | 53,601,000 | -128,581,000 | -240,132,000 |
| Earnings Per Share Basic | 0.56 | -1.44 | -2.87 |
| Earnings Per Share Diluted | 0.45 | -1.44 | -2.87 |
| Weighted Average Shares Outstanding Basic | 96,030,558 | 89,450,038 | 83,765,896 |
| Weighted Average Shares Outstanding Diluted | 107,492,735 | 89,450,038 | 83,765,896 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Cash And Cash Equivalents | 652,388,000 | 788,422,000 | 467,787,000 |
| Marketable Securities Current | — | — | — |
| Accounts Receivable | — | — | — |
| Inventories | — | — | — |
| Non Trade Receivables | 97,416,000 | 22,055,000 | 14,847,000 |
| Other Assets Current | — | — | — |
| Total Assets Current | — | — | — |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 44,174,000 | 39,013,000 | 42,655,000 |
| Other Assets Non Current | — | — | — |
| Total Assets Non Current | — | — | — |
| Total Assets | 2,974,805,000 | 2,366,958,000 | 2,017,100,000 |
| Accounts Payable | 31,981,000 | 12,381,000 | 12,613,000 |
| Deferred Revenue | — | — | — |
| Short Term Debt | — | — | — |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | 66,335,000 | 296,790,000 | — |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 2,175,990,000 | 1,733,740,000 | 1,381,795,000 |
| Common Stock | 10,000 | 9,000 | 9,000 |
| Retained Earnings | -357,556,000 | -411,157,000 | -282,576,000 |
| Accumulated Other Comprehensive Income | — | — | — |
| Total Shareholders Equity | 798,815,000 | 633,218,000 | 635,305,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Depreciation And Amortization | 0 | 0 | 4,300,000 |
| Share Based Compensation Expense | 131,950,000 | 133,400,000 | 175,039,000 |
| Other Non Cash Income Expense | — | — | 3,869,000 |
| Change In Accounts Receivable | — | — | — |
| Change In Inventories | — | — | — |
| Change In Non Trade Receivables | — | — | — |
| Change In Other Assets | 10,831,000 | 8,690,000 | 8,932,000 |
| Change In Accounts Payable | — | — | -6,127,000 |
| Change In Other Liabilities | — | — | — |
| Cash From Operating Activities | -147,725,000 | 186,331,000 | -160,493,000 |
| Purchases Of Marketable Securities | — | — | — |
| Sales Of Marketable Securities | — | — | — |
| Acquisition Of Property Plant And Equipment | 347,000 | 837,000 | 1,527,000 |
| Acquisition Of Business | — | — | 0 |
| Other Investing Activities | — | — | — |
| Cash From Investing Activities | -177,171,000 | -237,726,000 | -118,455,000 |
| Tax Withholding For Share Based Compensation | — | 22,000 | 15,000 |
| Payments Of Dividends | — | — | — |
| Issuance Of Common Stock | 25,300,000 | — | 0 |
| Repurchase Of Common Stock | — | 0 | 0 |
| Issuance Of Long Term Debt | 294,218,000 | 387,281,000 | — |
| Repayment Of Long Term Debt | — | — | — |
| Other Financing Activities | — | — | — |
| Cash From Financing Activities | 405,645,000 | 559,871,000 | 214,268,000 |
| Change In Cash | 80,749,000 | 508,476,000 | -64,680,000 |
| Cash At End Of Period | 652,388,000 | 788,422,000 | 467,787,000 |
| Income Taxes Paid | 590,000 | 258,000 | -658,000 |
| Interest Paid | 43,483,000 | 43,119,000 | 36,547,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Earnings Per Share | 0.56 | -1.44 | -2.87 |
| Price To Earnings Ratio | 78.0893 | -42.7569 | -14.2369 |
| Earnings Growth Rate | -138.8889 | -49.8258 | 119.084 |
| Price Earnings To Growth Ratio | -0.5622 | 0.8581 | -0.1196 |
| Book Value Per Share | 8.3183 | 7.079 | 7.5843 |
| Price To Book Ratio | 5.2571 | 8.6975 | 5.3875 |
| Ebitda | 148,037,000 | -127,261,000 | -201,596,000 |
| Enterprise Value | 3,613,363,301.34 | 5,015,806,839.66 | — |
| Dividend Yield | — | — | — |
| Dividend Payout Ratio | — | — | — |
| Debt To Equity Ratio | 0.083 | 0.4687 | — |
| Capital Expenditures | 5,161,000 | -3,642,000 | 2,787,000 |
| Free Cash Flow | -152,886,000 | 189,973,000 | -163,280,000 |
| Return On Equity | 0.0671 | -0.2031 | -0.378 |
| One Year Beta | 2.4387 | 2.7747 | 3.9774 |
| Three Year Beta | 2.8875 | 3.0903 | 2.9154 |
| Five Year Beta | 2.7743 | 2.8621 | 2.8784 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Darling Scott | Chief Legal Officer | 2026-01-22 | 7,564 | A | 24,999 |
| Darling Scott | Chief Legal Officer | 2026-01-22 | 7,564 | D | 186,963 |
| Cooper Kerry Whorton | Director | 2026-01-12 | 1,459 | A | 25,393 |
| Bernard Peter J | Director | 2026-01-12 | 834 | A | 4,916 |
| O'Kelly Ciaran | Director | 2026-01-12 | 1,168 | A | 33,008 |
| Name Of Reporting Person | Report Date | State | Transaction Type | Transaction Date | Owner Type | Amount |
|---|---|---|---|---|---|---|
| Thomas Suozzi | 2022-05-20 | NY03 | Sale | 2022-05-16 | — | $1,001 - $15,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Purchase | 2022-05-05 | — | $15,001 - $50,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Purchase | 2022-05-05 | — | $15,001 - $50,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Sale | 2022-05-16 | — | $1,001 - $15,000 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| LAZARD ASSET MANAGEMENT LLC | 2025-12-31 | 1,025,469 | 23,450 | 43.73 |
| Cetera Investment Advisers | 2025-12-31 | 1,086,865 | 24,854 | 43.73 |
| PDT Partners, LLC | 2025-12-31 | 4,374,793 | 100,041 | 43.73 |
| Polar Asset Management Partners Inc. | 2025-12-31 | 3,266,631 | 74,700 | 43.73 |
| J. Goldman & Co LP | 2025-12-31 | 2,886,180 | 66,000 | 43.73 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| WASATCH FUNDS TRUST | 2025-12-31 | Institutional Class Shares | WGLSX | -5,769 | -252,278.37 | -0.6638 |
| WASATCH FUNDS TRUST | 2025-12-31 | Investor Class Shares | WALSX | -5,769 | -252,278.37 | -0.6638 |
| REYNOLDS FUNDS INC | 2025-12-31 | REYNOLDS BLUE CHIP GROWTH FUND | RBCGX | 700 | 30,611 | 0.0424 |
| Global X Funds | 2025-11-30 | Global X Robotics & Artificial Intelligence ETF | BOTZ | 1,043,283 | 46,906,003.68 | 1.5581 |
| Global X Funds | 2025-11-30 | Global X FinTech ETF | FINX | 53,645 | 2,411,879.2 | 0.9068 |