Upstart Holdings, Inc.
UPSTFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeHeadquartered within the financial services sector, Upstart Holdings, Inc. focuses on Credit Services services and products. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company carries a $2.82B market cap, placing it firmly in the mid-cap category. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Market Cap
$2.82B
Beta
2.27
P/E (TTM)
75.67
P/E (Fwd)
8.76
EPS (TTM)
$0.39
EPS (Fwd)
$3.37
ROE
7.0%
ROA
1.8%
Cash
$474.7M
Total Debt
$1.98B
Free CF
-$312.6M
52W Change
-62.3%
Annual Financials
Cash vs Debt
The company holds $474.7M in cash, though total debt stands at $1.98B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow is running at -$312.6M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. Return on equity stands at 7.0%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $837.8M (2022) to $1.02B (2025), reflecting a 22% increase over the period.
Upstart Holdings, Inc.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Upstart Holdings, Inc. and its sector.