Financial Services
Live Price
Offline$32.81
+1.77% today
1Y Change
-45.42%
Window
Jun 23, 2025 → Jun 16, 2026
Coverage: 247 bars · Jun 23, 2025 → Jun 16, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Upstart Holdings, Inc. (UPST) is a Financial Services stock with a market cap of $3.13B and listed on NASDAQ. The stock last traded around $32.81 and down 45.4% across the available one-year price window (Jun 23, 2025 → Jun 16, 2026). Baseline metrics include revenue growth of +58.9%, EPS growth of +138.9%, a dividend yield of 0.0%. What stands out right now is revenue +58.9%, EPS +138.9%, free cash flow -194.2% with operating margin 5.1% and ROIC 2.0%. Valuation already assumes a fairly strong business story at P/E 59.6 and price/sales 2.9. Overall, the current profile looks closer to a higher-growth but lower-margin setup than a generic broad-market placeholder. Stock Foundry combines UPST price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UPST
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UPST Max Drawdown
-71.21%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UPST and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$849.9M
-0.4% YoY
FY Net Income
$135.4M
+224.6% YoY
Free Cash Flow
$153.2M
+122.5% YoY
Revenue Growth
+58.9%
EPS Growth
+138.9%
Gross Margin
95.2%
Net Margin
5.0%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.1B | 677M | 548M | 853M | 850M |
| Gross Profit | 1.0B | 629M | 508M | 838M | 847M |
| Operating Income | 54M | -128M | -240M | -109M | 134M |
| EBITDA | 79M | -108M | -215M | -96M | 141M |
| Net Income | 54M | -129M | -240M | -109M | 135M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 657M | 794M | 377M | 432M | 995M |
| Total Assets | 3.0B | 2.4B | 2.0B | 1.9B | 1.8B |
| Total Liabilities | 2.2B | 1.7B | 1.4B | 1.3B | 1.0B |
| Shareholder Equity | 799M | 633M | 635M | 672M | 807M |
| Total Debt | 1.9B | 1.5B | 1.1B | 1.1B | 796M |
| Net Debt | 1.2B | 659M | 725M | 655M | -199M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
168M
+125.6% YoY
Capital Expenditures
15M
+34.0% YoY
Free Cash Flow
153M
+122.5% YoY
Key ratios
Gross Margin
95.2%
Operating Margin
5.1%
Net Margin
5.0%
ROE
7.3%
Debt / Equity
2.32x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.