About upstart holdings inc. - UPST
Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.
UPST At a Glance
Upstart Holdings, Inc.
2950 South Delaware Street
San Mateo, California 94403
| Phone | 1-833-212-2461 | Revenue | 1.04B | |
| Industry | Finance/Rental/Leasing | Net Income | 53.60M | |
| Sector | Finance | 2025 Sales Growth | 63.992% | |
| Fiscal Year-end | 12 / 2026 | Employees | 1,405 | |
| View SEC Filings |
UPST Valuation
| P/E Current | 53.442 |
| P/E Ratio (with extraordinary items) | N/A |
| P/E Ratio (without extraordinary items) | 96.492 |
| Price to Sales Ratio | 4.503 |
| Price to Book Ratio | 5.367 |
| Price to Cash Flow Ratio | N/A |
| Enterprise Value to EBITDA | 82.123 |
| Enterprise Value to Sales | 5.308 |
| Total Debt to Enterprise Value | 0.342 |
UPST Efficiency
| Revenue/Employee | 742,958.719 |
| Income Per Employee | 38,150.178 |
| Receivables Turnover | N/A |
| Total Asset Turnover | 0.391 |
UPST Liquidity
| Current Ratio | 3.948 |
| Quick Ratio | 3.948 |
| Cash Ratio | 3.948 |
UPST Profitability
| Gross Margin | 97.621 |
| Operating Margin | 4.084 |
| Pretax Margin | 5.205 |
| Net Margin | 5.135 |
| Return on Assets | 2.007 |
| Return on Equity | 7.486 |
| Return on Total Capital | 1.988 |
| Return on Invested Capital | 2.214 |
UPST Capital Structure
| Total Debt to Total Equity | 237.456 |
| Total Debt to Total Capital | 70.367 |
| Total Debt to Total Assets | 63.763 |
| Long-Term Debt to Equity | 236.128 |
| Long-Term Debt to Total Capital | 69.973 |