Upstart Holdings Inc
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UPST Upstart Holdings Inc
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Financials : Consumer Finance | Small Cap Blend
Company profile

Upstart Holdings, Inc. is a cloud-based artificial intelligence (AI) lending marketplace. The Company’s platform aggregates consumer demand for loans and connects it to its network of Upstart AI-enabled bank and credit union partners. Its AI models are provided to bank partners within a consumer-facing cloud application that streamlines the end-to-end process of originating and servicing a loan. It has built a configurable, multi-tenant cloud application designed to integrate seamlessly into a bank’s existing technology systems. Its configurable platform allows each bank to define its own credit policy and determine the parameters of its lending program. The AI models use and analyze data from all of its bank partners. Its consumers can discover Upstart-powered loans in one of two ways: either through Upstart.com or through a bank-branded product on its bank partners’ own Websites. It also has investments in Upstart Auto Retail, a front-end software-as-a-service application.

Closing Price
$26.87
Day's Change
0.32 (1.21%)
Bid
--
Ask
--
B/A Size
--
Day's High
26.97
Day's Low
25.85
Volume
(Light)
Volume:
3,308,340

10-day average volume:
4,838,680
3,308,340

Company Profile

Upstart Holdings, Inc. is a cloud-based artificial intelligence (AI) lending marketplace. The Company’s platform aggregates consumer demand for loans and connects it to its network of Upstart AI-enabled bank and credit union partners. Its AI models are provided to bank partners within a consumer-facing cloud application that streamlines the end-to-end process of originating and servicing a loan. It has built a configurable, multi-tenant cloud application designed to integrate seamlessly into a bank’s existing technology systems. Its configurable platform allows each bank to define its own credit policy and determine the parameters of its lending program. The AI models use and analyze data from all of its bank partners. Its consumers can discover Upstart-powered loans in one of two ways: either through Upstart.com or through a bank-branded product on its bank partners’ own Websites. It also has investments in Upstart Auto Retail, a front-end software-as-a-service application.

Valuation Ratios

Price/Earnings (TTM)
--
Price/Sales (TTM)
3.74x
Price/Book (MRQ)
3.49x
Price/Cash Flow (TTM)
--
TTM = Trailing Twelve Months
MRQ = Most Recent Quarter

Price Performance

Historic Growth and Share Detail

Historic Growth

Annual growth, past 5 years
EPS
Revenue
Dividend No Regular Dividend is paid
 

Short Interest

August 2023
Current Month
26.1M
Previous Month
23.0M
Percent of Float
37.01%
Days to Cover
3.9492 Days

Share Information

UPST is in a share class of common stock
Float
70.6M
Shares Outstanding
83.9M
Institutions Holding Shares
393
38.99%

Financial Statements

Balance sheet

Values displayed are in millions.

Income statement

Values displayed are in millions.

Cash flow

Values displayed are in millions.

Company Officers

  • Dave GirouardChmn.
  • Anna M. Counselman
  • Paul Gu
  • Sanjay DattaCFO
  • Scott DarlingSecy.

Address

  • 2950 S. Delaware Street, Suite 300
  • San Mateo, CA 94403
  • Phone: (650) 204-1000
  • Fax: (302) 655-5049

Insider Trading

During the most recent quarter, 2K shares were bought, and 174K shares were sold in insider trading.

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Market data and information provided by Morningstar.

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