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Upstart Holdings, Inc.

UPST Finance Finance: Consumer Services
$29.74
▼ -7.8% Today
as of Jun 7, 07:30 ET
Last 30 days -9.49% Apr 28 → Jun 05
$26.45 $28.42 $30.39 $32.36 $34.33 Apr 28 May 05 May 13 May 20 May 29 Jun 05
Open
$31.43
High
$31.98
Low
$29.14
Volume
$5M
Avg Vol
$6M
Mkt Cap
$3.1B
P/E (TTM)
141.62
Beta
52w High
$87.30
52w Low
$23.96
Div Yield
Shares Out
$96M

Overview

52-week range
$24
$87
9% of range
Avg surprise (last 2)
-25.8%
Avg reaction (last 2)
-2.0%
0% positive
Latest IV / EM
93%
EM ±8.7% · $30 · Jun 12

Earnings trends

EPS — actual vs estimate Actual Estimate
$-0.74$-0.50$-0.26$-0.01$0.23 Actual $-0.34Actual $-0.48Actual $-0.74Actual $-0.62Actual $-0.07Actual $-0.03Est $-0.18Actual $0.05Actual $0.23Actual $-0.07Est $0.20 JunSepMarJunSepMar/2025JunSepMar/2026
Revenue vs Net Income Revenue Net income
$-54M$40M$135M$229M$324M Jun 24Sep 24Mar 25Jun 25Sep 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue May 5, 2026Mar/2026 $-0.07 $0.20 -135.0% -133.3% -2.8% earnings
Tue Sep 30, 2025Sep 2025 $0.23 financials
Mon Jun 30, 2025Jun 2025 $0.05 financials
Tue May 6, 2025Mar/2025 $-0.03 $-0.18 +83.3% -1.2% earnings
Mon Sep 30, 2024Sep 2024 $-0.07 financials
Sun Jun 30, 2024Jun 2024 $-0.62 financials
Sun Mar 31, 2024Mar 2024 $-0.74 financials
Sat Sep 30, 2023Sep 2023 $-0.48 financials
Fri Jun 30, 2023Jun 2023 $-0.34 financials

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue$308M$277M$257M$213M$162M$128M
Cost of revenue
Gross profit
Operating income$-8M$24M$5M$-4M$-45M$-55M
Net income$-7M$32M$6M$-2M$-7M$-54M
EPS (diluted)$-0.07$0.23$0.05$-0.03$-0.07$-0.62

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$473M$652M$490M$396M$600M$788M
Inventory
Total current assets
Total assets$2.96B$2.97B$2.90B$2.48B$2.30B$2.37B$1.81B$1.82B
Long-term debt
Total liabilities$2.23B$2.18B$2.16B$1.76B$1.62B$1.73B$1.21B$1.23B
Total equity$733M$799M$744M$722M$677M$633M$596M$595M

Implied volatility — last 90 days

88%90%93%95%98% Jun 07 — IV 93% · EM ±8.7%

Sector peers

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