Upstart Holdings, Inc. (UPST)

Last Closing Price: 23.38 (2026-11-04)

Profile
Ticker
UPST
Security Name
Upstart Holdings, Inc.
Exchange
NASDAQ
Sector
Financial Services
Industry
Credit Services
Free Float
80,488,000
Market Capitalization
2,079,580,000
Average Volume (Last 20 Days)
4,320,609
Beta (Past 60 Months)
2.48
Percentage Held By Insiders (Latest Annual Proxy Report)
17.29
Percentage Held By Institutions (Latest 13F Reports)
63.01
Recent Price/Volume
Closing Price
23.38
Opening Price
21.59
High Price
23.83
Low Price
21.55
Volume
7,812,000
Previous Closing Price
21.37
Previous Opening Price
21.54
Previous High Price
21.86
Previous Low Price
20.59
Previous Volume
9,374,000
High/Low Price
52-Week High Price
52.10
26-Week High Price
36.90
13-Week High Price
31.80
4-Week High Price
24.95
2-Week High Price
24.90
1-Week High Price
24.90
52-Week Low Price
20.59
26-Week Low Price
20.59
13-Week Low Price
20.59
4-Week Low Price
20.59
2-Week Low Price
20.59
1-Week Low Price
20.59
High/Low Volume
52-Week High Volume
17,739,000
26-Week High Volume
12,312,000
13-Week High Volume
12,312,000
4-Week High Volume
12,312,000
2-Week High Volume
12,312,000
1-Week High Volume
12,312,000
52-Week Low Volume
2,048,000
26-Week Low Volume
2,537,000
13-Week Low Volume
2,604,000
4-Week Low Volume
2,604,000
2-Week Low Volume
3,053,000
1-Week Low Volume
3,165,000
Money Flow
Total Money Flow, Past 52 Weeks
38,552,845,068
Total Money Flow, Past 26 Weeks
15,890,853,215
Total Money Flow, Past 13 Weeks
7,250,437,947
Total Money Flow, Past 4 Weeks
2,106,507,015
Total Money Flow, Past 2 Weeks
1,219,885,895
Total Money Flow, Past Week
826,014,610
Total Money Flow, 1 Day
179,051,040
Total Volume
Total Volume, Past 52 Weeks
1,187,153,000
Total Volume, Past 26 Weeks
561,722,000
Total Volume, Past 13 Weeks
281,213,000
Total Volume, Past 4 Weeks
91,043,000
Total Volume, Past 2 Weeks
53,591,000
Total Volume, Past Week
36,945,000
Percent Change in Price
Percent Change in Price, Past 52 Weeks
-44.00
Percent Change in Price, Past 26 Weeks
-18.54
Percent Change in Price, Past 13 Weeks
-22.58
Percent Change in Price, Past 4 Weeks
-2.66
Percent Change in Price, Past 2 Weeks
-1.18
Percent Change in Price, Past Week
-3.15
Percent Change in Price, 1 Day
9.41
New High/Low in Price
Reached New 52-Week High Price
False
Reached New 26-Week High Price
False
Reached New 13-Week High Price
False
Reached New 4-Week High Price
False
Reached New 2-Week High Price
False
Reached New 1-Week High Price
False
Reached New 52-Week Low Price
False
Reached New 26-Week Low Price
False
Reached New 13-Week Low Price
False
Reached New 4-Week Low Price
False
Reached New 2-Week Low Price
False
Reached New 1-Week Low Price
False
Consecutive Days/Weeks of Increasing/Decreasing Price
Consecutive Days of Increasing Price
2
Consecutive Weeks of Increasing Price
0
Consecutive Days of Decreasing Price
0
Consecutive Weeks of Decreasing Price
1
Consecutive Days/Weeks of Increasing/Decreasing Volume
Consecutive Days of Increasing Volume
0
Consecutive Weeks of Increasing Volume
1
Consecutive Days of Decreasing Volume
2
Consecutive Weeks of Decreasing Volume
0
New High/Low in Volume
Had New 52-Week High Volume
False
Had New 26-Week High Volume
False
Had New 13-Week High Volume
False
Had New 4-Week High Volume
False
Had New 2-Week High Volume
False
Had New 1-Week High Volume
False
Had New 52-Week Low Volume
False
Had New 26-Week Low Volume
False
Had New 13-Week Low Volume
False
Had New 4-Week Low Volume
False
Had New 2-Week Low Volume
False
Had New 1-Week Low Volume
False
Moving Averages
Simple Moving Average (5-Day)
22.78
Simple Moving Average (10-Day)
23.24
Simple Moving Average (20-Day)
23.49
Simple Moving Average (50-Day)
24.84
Simple Moving Average (100-Day)
27.81
Simple Moving Average (200-Day)
29.50
Previous Simple Moving Average (5-Day)
22.94
Previous Simple Moving Average (10-Day)
23.27
Previous Simple Moving Average (20-Day)
23.53
Previous Simple Moving Average (50-Day)
24.98
Previous Simple Moving Average (100-Day)
27.88
Previous Simple Moving Average (200-Day)
29.61
Technical Indicators
MACD (12, 26, 9)
-0.58
MACD (12, 26, 9) Signal
-0.55
Previous MACD (12, 26, 9)
-0.65
Previous MACD (12, 26, 9) Signal
-0.54
RSI (14-Day)
48.15
Previous RSI (14-Day)
36.17
Stochastic (14, 3, 3) %K
30.13
Stochastic (14, 3, 3) %D
31.18
Previous Stochastic (14, 3, 3) %K
18.67
Previous Stochastic (14, 3, 3) %D
42.91
Upper Bollinger Band (20, 2)
25.26
Lower Bollinger Band (20, 2)
21.73
Previous Upper Bollinger Band (20, 2)
25.30
Previous Lower Bollinger Band (20, 2)
21.75
Income Statement Financials
Quarterly Revenue (MRQ)
364,708,000
Quarterly Net Income (MRQ)
16,539,000
Previous Quarterly Revenue (QoQ)
308,214,000
Previous Quarterly Revenue (YoY)
257,291,000
Previous Quarterly Net Income (QoQ)
-6,646,000
Previous Quarterly Net Income (YoY)
5,607,000
Revenue (MRY)
1,043,857,000
Net Income (MRY)
53,601,000
Previous Annual Revenue
636,528,000
Previous Net Income
-128,581,000
Cost of Goods Sold (MRY)
188,377,000
Gross Profit (MRY)
855,480,000
Operating Expenses (MRY)
1,001,226,000
Operating Income (MRY)
42,631,000
Non-Operating Income/Expense (MRY)
11,698,000
Pre-Tax Income (MRY)
54,329,000
Normalized Pre-Tax Income (MRY)
54,329,000
Income after Taxes (MRY)
53,601,000
Income from Continuous Operations (MRY)
53,601,000
Consolidated Net Income/Loss (MRY)
53,601,000
Normalized Income after Taxes (MRY)
53,601,000
EBIT (MRY)
42,631,000
EBITDA (MRY)
67,466,000
Balance Sheet Financials
Current Assets (MRQ)
1,143,652,000
Property, Plant, and Equipment (MRQ)
49,421,000
Long-Term Assets (MRQ)
2,027,621,000
Total Assets (MRQ)
3,171,273,000
Current Liabilities (MRQ)
2,351,433,000
Long-Term Debt (MRQ)
Long-Term Liabilities (MRQ)
22,352,000
Total Liabilities (MRQ)
2,373,785,000
Common Equity (MRQ)
797,488,000
Tangible Shareholders Equity (MRQ)
730,426,000
Shareholders Equity (MRQ)
797,488,000
Common Shares Outstanding (MRQ)
97,307,000
Cash Flow Statement Financials
Cash Flow from Operating Activities (MRY)
-147,725,000
Cash Flow from Investing Activities (MRY)
-177,171,000
Cash Flow from Financial Activities (MRY)
405,645,000
Beginning Cash (MRY)
976,263,000
End Cash (MRY)
1,057,012,000
Increase/Decrease in Cash (MRY)
80,749,000
Fundamental Ratios
PE Ratio (Current Year Earnings Estimate)
29.89
PE Ratio (Trailing 12 Months)
31.43
PEG Ratio (Long Term Growth Estimate)
0.75
Price to Sales Ratio (Trailing 12 Months)
1.55
Price to Book Ratio (Most Recent Quarterly Book Value per Share)
2.61
Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
26.51
Pre-Tax Margin (Trailing 12 Months)
4.95
Net Margin (Trailing 12 Months)
4.86
Return on Equity (Trailing 12 Months)
9.73
Return on Assets (Trailing 12 Months)
2.49
Current Ratio (Most Recent Fiscal Quarter)
0.49
Quick Ratio (Most Recent Fiscal Quarter)
0.49
Debt to Common Equity (Most Recent Fiscal Quarter)
0.00
Inventory Turnover (Trailing 12 Months)
Book Value per Share (Most Recent Fiscal Quarter)
8.21
Earnings
Fiscal Period End, Next Quarterly Earnings Report
2026-12-31
Quarterly Earnings per Share Estimate
0.36
Next Expected Quarterly Earnings Report Date
2027-02-09
Days Until Next Expected Quarterly Earnings Report
96
Fiscal Period End, Last Quarterly Earnings Report
2026-09-30
Last Quarterly Earnings per Share Estimate
0.23
Last Quarterly Earnings per Share
0.40
Last Quarterly Earnings Report Date
2026-11-03
Days Since Last Quarterly Earnings Report
2
Earnings per Share (Most Recent Fiscal Year)
0.45
Diluted Earnings per Share (Trailing 12 Months)
0.59
Dividends
Last Dividend Date
Last Dividend Amount
Days Since Last Dividend
Annual Dividend (Based on Last Quarter)
0.00
Dividend Yield (Based on Last Quarter)
0.00
Percent Growth in Revenue/Net Income
Percent Growth in Quarterly Revenue (QoQ)
18.33
Percent Growth in Quarterly Revenue (YoY)
41.75
Percent Growth in Annual Revenue
63.99
Percent Growth in Quarterly Net Income (QoQ)
348.86
Percent Growth in Quarterly Net Income (YoY)
194.97
Percent Growth in Annual Net Income
141.69
New High/Low in Revenue/Net Income
New 5-Year High Annual Revenue
True
New 5-Year Low Annual Revenue
False
New 5-Year High Quarterly Revenue (QoQ)
True
New 5-Year Low Quarterly Revenue (QoQ)
False
New 5-Year High Quarterly Revenue (YoY)
True
New 5-Year Low Quarterly Revenue (YoY)
False
New 5-Year High Annual Net Income
False
New 5-Year Low Annual Net Income
False
New 5-Year High Quarterly Net Income (QoQ)
False
New 5-Year Low Quarterly Net Income (QoQ)
False
New 5-Year High Quarterly Net Income (YoY)
True
New 5-Year Low Quarterly Net Income (YoY)
False
Consecutive Quarters/Years of Increasing/Decreasing Revenue/Net Income
Consecutive Quarters of Increasing Revenue (QoQ)
5
Consecutive Quarters of Decreasing Revenue (QoQ)
0
Consecutive Quarters of Increasing Revenue (YoY)
8
Consecutive Quarters of Decreasing Revenue (YoY)
0
Consecutive Years of Increasing Revenue
2
Consecutive Years of Decreasing Revenue
0
Consecutive Quarters of Increasing Net Income (QoQ)
1
Consecutive Quarters of Decreasing Net Income (QoQ)
0
Consecutive Quarters of Increasing Net Income (YoY)
1
Consecutive Quarters of Decreasing Net Income (YoY)
0
Consecutive Years of Increasing Net Income
2
Consecutive Years of Decreasing Net Income
0
Splits
Last Split Date (if within past year)
Last Split Ratio (if within past year)
Days Since Last Split (if within past year)
Volatility Metrics
Historical Volatility (Close-to-Close) (10-Day)
0.9095
Historical Volatility (Close-to-Close) (20-Day)
0.7065
Historical Volatility (Close-to-Close) (30-Day)
0.6574
Historical Volatility (Close-to-Close) (60-Day)
0.5695
Historical Volatility (Close-to-Close) (90-Day)
0.5566
Historical Volatility (Close-to-Close) (120-Day)
0.5366
Historical Volatility (Close-to-Close) (150-Day)
0.5417
Historical Volatility (Close-to-Close) (180-Day)
0.5774
Historical Volatility (Parkinson) (10-Day)
0.6496
Historical Volatility (Parkinson) (20-Day)
0.5681
Historical Volatility (Parkinson) (30-Day)
0.5358
Historical Volatility (Parkinson) (60-Day)
0.4751
Historical Volatility (Parkinson) (90-Day)
0.4851
Historical Volatility (Parkinson) (120-Day)
0.5071
Historical Volatility (Parkinson) (150-Day)
0.5394
Historical Volatility (Parkinson) (180-Day)
0.5540
Implied Volatility (Calls) (10-Day)
0.6283
Implied Volatility (Calls) (20-Day)
0.6840
Implied Volatility (Calls) (30-Day)
0.5734
Implied Volatility (Calls) (60-Day)
0.6154
Implied Volatility (Calls) (90-Day)
0.6589
Implied Volatility (Calls) (120-Day)
0.6811
Implied Volatility (Calls) (150-Day)
0.6694
Implied Volatility (Calls) (180-Day)
0.6925
Implied Volatility (Puts) (10-Day)
0.6686
Implied Volatility (Puts) (20-Day)
0.6415
Implied Volatility (Puts) (30-Day)
0.6499
Implied Volatility (Puts) (60-Day)
0.6313
Implied Volatility (Puts) (90-Day)
0.6513
Implied Volatility (Puts) (120-Day)
0.6763
Implied Volatility (Puts) (150-Day)
0.6757
Implied Volatility (Puts) (180-Day)
0.6929
Implied Volatility (Mean) (10-Day)
0.6485
Implied Volatility (Mean) (20-Day)
0.6627
Implied Volatility (Mean) (30-Day)
0.6117
Implied Volatility (Mean) (60-Day)
0.6234
Implied Volatility (Mean) (90-Day)
0.6551
Implied Volatility (Mean) (120-Day)
0.6787
Implied Volatility (Mean) (150-Day)
0.6726
Implied Volatility (Mean) (180-Day)
0.6927
Put-Call Implied Volatility Ratio (10-Day)
1.0642
Put-Call Implied Volatility Ratio (20-Day)
0.9378
Put-Call Implied Volatility Ratio (30-Day)
1.1334
Put-Call Implied Volatility Ratio (60-Day)
1.0260
Put-Call Implied Volatility Ratio (90-Day)
0.9885
Put-Call Implied Volatility Ratio (120-Day)
0.9930
Put-Call Implied Volatility Ratio (150-Day)
1.0094
Put-Call Implied Volatility Ratio (180-Day)
1.0005
Implied Volatility Skew (10-Day)
0.0230
Implied Volatility Skew (20-Day)
-0.0001
Implied Volatility Skew (30-Day)
0.0195
Implied Volatility Skew (60-Day)
0.0268
Implied Volatility Skew (90-Day)
0.0201
Implied Volatility Skew (120-Day)
0.0222
Implied Volatility Skew (150-Day)
0.0109
Implied Volatility Skew (180-Day)
0.0061
Option Statistics
Put-Call Ratio (Volume) (10-Day)
0.2520
Put-Call Ratio (Volume) (20-Day)
0.2336
Put-Call Ratio (Volume) (30-Day)
1.1637
Put-Call Ratio (Volume) (60-Day)
0.1672
Put-Call Ratio (Volume) (90-Day)
0.2595
Put-Call Ratio (Volume) (120-Day)
0.3893
Put-Call Ratio (Volume) (150-Day)
0.3761
Put-Call Ratio (Volume) (180-Day)
0.6855
Put-Call Ratio (Open Interest) (10-Day)
1.1295
Put-Call Ratio (Open Interest) (20-Day)
1.0556
Put-Call Ratio (Open Interest) (30-Day)
1.4482
Put-Call Ratio (Open Interest) (60-Day)
0.5466
Put-Call Ratio (Open Interest) (90-Day)
0.5344
Put-Call Ratio (Open Interest) (120-Day)
0.5274
Put-Call Ratio (Open Interest) (150-Day)
0.4871
Put-Call Ratio (Open Interest) (180-Day)
0.4452
Percentiles Within Industry of Price Performance
Percentile Within Industry, Percent Change in Price, Past 52 Weeks
21.15
Percentile Within Industry, Percent Change in Price, Past 26 Weeks
26.92
Percentile Within Industry, Percent Change in Price, Past 13 Weeks
23.08
Percentile Within Industry, Percent Change in Price, Past 4 Weeks
32.69
Percentile Within Industry, Percent Change in Price, Past 2 Weeks
26.92
Percentile Within Industry, Percent Change in Price, Past Week
15.38
Percentile Within Industry, Percent Change in Price, 1 Day
90.38
Percentiles Within Industry of Revenue/Net Income Growth
Percentile Within Industry, Percent Growth in Quarterly Revenue (QoQ)
97.87
Percentile Within Industry, Percent Growth in Quarterly Revenue (YoY)
95.83
Percentile Within Industry, Percent Growth in Annual Revenue
94.00
Percentile Within Industry, Percent Growth in Quarterly Net Income (QoQ)
95.74
Percentile Within Industry, Percent Growth in Quarterly Net Income (YoY)
93.75
Percentile Within Industry, Percent Growth in Annual Net Income
88.46
Percentiles Within Industry of Fundamental Ratios and Percentages
Percentile Within Industry, PE Ratio (Current Year Earnings Estimate)
94.87
Percentile Within Industry, PE Ratio (Trailing 12 Months)
95.74
Percentile Within Industry, PEG Ratio (Long Term Growth Estimate)
35.71
Percentile Within Industry, Price to Sales Ratio (Trailing 12 Months)
58.33
Percentile Within Industry, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
80.39
Percentile Within Industry, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
91.49
Percentile Within Industry, Pre-Tax Margin (Trailing 12 Months)
21.28
Percentile Within Industry, Net Margin (Trailing 12 Months)
19.15
Percentile Within Industry, Return on Equity (Trailing 12 Months)
31.91
Percentile Within Industry, Return on Assets (Trailing 12 Months)
40.43
Percentile Within Industry, Current Ratio (Most Recent Fiscal Quarter)
10.42
Percentile Within Industry, Quick Ratio (Most Recent Fiscal Quarter)
13.04
Percentile Within Industry, Debt to Common Equity (Most Recent Fiscal Quarter)
16.67
Percentile Within Industry, Inventory Turnover (Trailing 12 Months)
Percentile Within Industry, Dividend Yield (Based on Last Quarter)
50.00
Percentile Within Industry, Percentage Held By Insiders (Latest Annual Proxy Report)
72.00
Percentile Within Industry, Percentage Held By Institutions (Latest 13F Reports)
44.00
Percentiles Within Sector of Price Performance
Percentile Within Sector, Percent Change in Price, Past 52 Weeks
11.51
Percentile Within Sector, Percent Change in Price, Past 26 Weeks
16.53
Percentile Within Sector, Percent Change in Price, Past 13 Weeks
11.24
Percentile Within Sector, Percent Change in Price, Past 4 Weeks
25.40
Percentile Within Sector, Percent Change in Price, Past 2 Weeks
23.81
Percentile Within Sector, Percent Change in Price, Past Week
14.81
Percentile Within Sector, Percent Change in Price, 1 Day
97.62
Percentiles Within Sector of Revenue/Net Income Growth
Percentile Within Sector, Percent Growth in Quarterly Revenue (QoQ)
90.73
Percentile Within Sector, Percent Growth in Quarterly Revenue (YoY)
90.07
Percentile Within Sector, Percent Growth in Annual Revenue
94.57
Percentile Within Sector, Percent Growth in Quarterly Net Income (QoQ)
96.91
Percentile Within Sector, Percent Growth in Quarterly Net Income (YoY)
93.86
Percentile Within Sector, Percent Growth in Annual Net Income
89.72
Percentiles Within Sector of Fundamental Ratios and Percentages
Percentile Within Sector, PE Ratio (Current Year Earnings Estimate)
95.88
Percentile Within Sector, PE Ratio (Trailing 12 Months)
95.10
Percentile Within Sector, PEG Ratio (Long Term Growth Estimate)
26.26
Percentile Within Sector, Price to Sales Ratio (Trailing 12 Months)
26.64
Percentile Within Sector, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
84.11
Percentile Within Sector, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
93.35
Percentile Within Sector, Pre-Tax Margin (Trailing 12 Months)
18.09
Percentile Within Sector, Net Margin (Trailing 12 Months)
18.77
Percentile Within Sector, Return on Equity (Trailing 12 Months)
33.43
Percentile Within Sector, Return on Assets (Trailing 12 Months)
68.01
Percentile Within Sector, Current Ratio (Most Recent Fiscal Quarter)
13.23
Percentile Within Sector, Quick Ratio (Most Recent Fiscal Quarter)
13.75
Percentile Within Sector, Debt to Common Equity (Most Recent Fiscal Quarter)
21.38
Percentile Within Sector, Inventory Turnover (Trailing 12 Months)
Percentile Within Sector, Dividend Yield (Based on Last Quarter)
27.15
Percentile Within Sector, Percentage Held By Insiders (Latest Annual Proxy Report)
78.90
Percentile Within Sector, Percentage Held By Institutions (Latest 13F Reports)
60.20
Percentiles Within Market of Price Performance
Percentile Within Market, Percent Change in Price, Past 52 Weeks
14.55
Percentile Within Market, Percent Change in Price, Past 26 Weeks
24.58
Percentile Within Market, Percent Change in Price, Past 13 Weeks
17.46
Percentile Within Market, Percent Change in Price, Past 4 Weeks
36.83
Percentile Within Market, Percent Change in Price, Past 2 Weeks
36.83
Percentile Within Market, Percent Change in Price, Past Week
28.56
Percentile Within Market, Percent Change in Price, 1 Day
95.77
Percentiles Within Market of Revenue/Net Income Growth
Percentile Within Market, Percent Growth in Quarterly Revenue (QoQ)
81.10
Percentile Within Market, Percent Growth in Quarterly Revenue (YoY)
85.56
Percentile Within Market, Percent Growth in Annual Revenue
92.01
Percentile Within Market, Percent Growth in Quarterly Net Income (QoQ)
94.28
Percentile Within Market, Percent Growth in Quarterly Net Income (YoY)
89.41
Percentile Within Market, Percent Growth in Annual Net Income
89.53
Percentiles Within Market of Fundamental Ratios and Percentages
Percentile Within Market, PE Ratio (Current Year Earnings Estimate)
81.78
Percentile Within Market, PE Ratio (Trailing 12 Months)
81.72
Percentile Within Market, PEG Ratio (Long Term Growth Estimate)
17.76
Percentile Within Market, Price to Sales Ratio (Trailing 12 Months)
41.01
Percentile Within Market, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
63.28
Percentile Within Market, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
84.45
Percentile Within Market, Pre-Tax Margin (Trailing 12 Months)
47.31
Percentile Within Market, Net Margin (Trailing 12 Months)
48.97
Percentile Within Market, Return on Equity (Trailing 12 Months)
53.39
Percentile Within Market, Return on Assets (Trailing 12 Months)
51.85
Percentile Within Market, Current Ratio (Most Recent Fiscal Quarter)
6.75
Percentile Within Market, Quick Ratio (Most Recent Fiscal Quarter)
10.12
Percentile Within Market, Debt to Common Equity (Most Recent Fiscal Quarter)
29.73
Percentile Within Market, Inventory Turnover (Trailing 12 Months)
Percentile Within Market, Dividend Yield (Based on Last Quarter)
59.88
Percentile Within Market, Percentage Held By Insiders (Latest Annual Proxy Report)
76.06
Percentile Within Market, Percentage Held By Institutions (Latest 13F Reports)
50.56