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Upstart Holdings, Inc.

UPST Finance Finance: Consumer Services
$28.04
▼ -0.0% Today
as of Sep 4, 16:55 ET
Last 30 days +0.83% Jul 28 → Sep 04
$26.24 $27.54 $28.85 $30.15 $31.45 Jul 28 Aug 05 Aug 12 Aug 20 Aug 27 Sep 04
Open
$27.93
High
$28.24
Low
$27.66
Volume
$3M
Avg Vol
$5M
Mkt Cap
$3.0B
P/E (TTM)
90.87
Beta
52w High
$71.38
52w Low
$23.96
Div Yield
Shares Out
$97M

Recent Press Releases & News last 60 days · 25 items

▸ Show all 25 press releases & news Free account →

Overview

52-week range
$24
$71
9% of range
Avg surprise (last 3)
+34.6%
Avg reaction (last 2)
-2.0%
0% positive
Latest IV / EM
75%
EM ±3.1% · $29 · Sep 4

Earnings trends

EPS — actual vs estimate Actual Estimate
$-1.58$-1.13$-0.68$-0.22$0.23 Actual $-1.58Actual $-0.34Actual $-0.48Actual $-0.74Actual $-0.62Actual $-0.07Actual $-0.03Est $-0.18Actual $0.05Est $-0.09Actual $0.23Actual $-0.07Est $0.20Actual $0.16 MarJunSepMarJunSepMar/2025Jun/2025SepMar/2026Jun
Revenue vs Net Income Revenue Net income
$-7M$91M$188M$286M$383M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.16 financials
Tue May 5, 2026Mar/2026 $-0.07 $0.20 -135.0% -133.3% -2.8% earnings
Tue Sep 30, 2025Sep 2025 $0.23 financials
Tue Aug 5, 2025Jun/2025 $0.05 $-0.09 +155.6% earnings
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
Fri Mar 31, 2023Mar 2023 $-1.58 financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$365M$308M$277M$257M$213M$162M
Cost of revenue
Gross profit
Operating income$15M$-8M$24M$5M$-4M$-45M
Net income$17M$-7M$32M$6M$-2M$-7M
EPS (diluted)$0.16$-0.07$0.23$0.05$-0.03$-0.07

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$456M$473M$652M$490M$396M$600M$788M$445M
Inventory
Total current assets
Total assets$3.17B$2.96B$2.97B$2.90B$2.48B$2.30B$2.37B$1.81B
Long-term debt
Total liabilities$2.37B$2.23B$2.18B$2.16B$1.76B$1.62B$1.73B$1.21B
Total equity$797M$733M$799M$744M$722M$677M$633M$596M

Implied volatility — last 90 days

57%101%144%187%231% Jun 07 — IV 93% · EM ±8.7%Jun 08 — IV 93% · EM ±7.7%Jun 09 — IV 88% · EM ±6.3%Jun 10 — IV 95% · EM ±5.6%Jun 11 — IV 91% · EM ±3.8%Jun 15 — IV 93% · EM ±6.7%Jun 16 — IV 94% · EM ±5.5%Jun 17 — IV 101% · EM ±4.2%Jun 19 — IV 75% · EM ±8.3%Jun 22 — IV 89% · EM ±7.4%Jun 23 — IV 89% · EM ±6.4%Jun 24 — IV 94% · EM ±5.5%Jun 25 — IV 98% · EM ±4.1%Jun 29 — IV 74% · EM ±17.5%Jun 30 — IV 75% · EM ±17.5%Jul 01 — IV 87% · EM ±3.6%Jul 03 — IV 74% · EM ±8.2%Jul 06 — IV 82% · EM ±6.8%Jul 07 — IV 85% · EM ±6.1%Jul 08 — IV 85% · EM ±5.0%Jul 09 — IV 88% · EM ±3.7%Jul 13 — IV 86% · EM ±7.2%Jul 14 — IV 82% · EM ±5.9%Jul 15 — IV 87% · EM ±5.1%Jul 16 — IV 72% · EM ±3.0%Jul 20 — IV 83% · EM ±7.0%Jul 21 — IV 81% · EM ±5.8%Jul 22 — IV 78% · EM ±4.6%Jul 23 — IV 80% · EM ±3.3%Jul 27 — IV 85% · EM ±7.1%Jul 28 — IV 88% · EM ±6.4%Jul 29 — IV 87% · EM ±5.1%Jul 30 — IV 94% · EM ±3.9%Aug 03 — IV 162% · EM ±13.5%Aug 04 — IV 231% · EM ±16.7%Aug 05 — IV 86% · EM ±5.1%Aug 06 — IV 87% · EM ±3.6%Aug 10 — IV 71% · EM ±5.9%Aug 11 — IV 64% · EM ±4.6%Aug 12 — IV 58% · EM ±3.4%Aug 13 — IV 77% · EM ±3.2%Aug 17 — IV 63% · EM ±5.3%Aug 18 — IV 60% · EM ±4.4%Aug 19 — IV 68% · EM ±4.0%Aug 20 — IV 72% · EM ±3.0%Aug 24 — IV 70% · EM ±5.8%Aug 25 — IV 73% · EM ±5.3%Aug 26 — IV 69% · EM ±4.1%Aug 27 — IV 79% · EM ±3.3%Aug 31 — IV 66% · EM ±5.5%Sep 01 — IV 67% · EM ±4.8%Sep 02 — IV 66% · EM ±3.9%Sep 03 — IV 75% · EM ±3.1%

Sector peers

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