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About the company
Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.
- Revenue in USD (TTM)966.73m
- Net income in USD32.21m
- Incorporated2013
- Employees1.19k
- LocationUpstart Holdings Inc2950 S. Delaware Street, Suite 410SAN MATEO 94403United StatesUSA
- Phone+1 (650) 204-1000
- Fax+1 (302) 636-5454
Peer analysis
- Key Information
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- Management Effectiveness
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- Financial Strength
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| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Velocity Financial Inc | 433.35m | 89.72m | 788.89m | 309.00 | 8.36 | 1.24 | 8.62 | 1.82 | 2.43 | 2.43 | 11.59 | 16.30 | 0.0713 | -- | 10.90 | 1,402,411.00 | 1.50 | 1.18 | 1.64 | 1.28 | 86.20 | 92.53 | 21.01 | 14.86 | -- | 1.14 | 0.9061 | 0.00 | 30.65 | 20.81 | 31.18 | 31.34 | 20.29 | -- |
| Atlanticus Holdings Corp | 731.21m | 105.26m | 878.36m | 417.00 | 10.30 | 1.49 | 7.91 | 1.20 | 5.63 | 5.63 | 38.26 | 41.60 | 0.1445 | -- | -- | 1,753,508.00 | 2.31 | 5.98 | 2.46 | 6.34 | 50.44 | 63.53 | 16.00 | 24.79 | -- | -- | 0.9062 | 0.00 | 23.95 | 10.83 | 12.52 | 28.14 | 48.23 | -- |
| Navient Corp | 541.00m | -79.00m | 962.88m | 2.10k | -- | 0.4014 | -- | 1.78 | -0.8101 | -0.8101 | 5.44 | 24.99 | 0.0108 | -- | -- | -- | -0.1573 | 0.4934 | -0.1835 | 0.556 | 109.43 | 107.06 | -14.60 | 28.00 | -- | -1.97 | 0.9501 | 23.28 | -32.84 | -20.53 | -161.07 | -- | -- | 0.00 |
| EZCORP Inc | 1.27bn | 109.61m | 1.55bn | 8.50k | 17.73 | 1.50 | 10.93 | 1.22 | 1.42 | 1.42 | 15.28 | 16.84 | 0.7399 | 2.40 | 15.44 | 149,915.30 | 6.36 | 4.06 | 7.37 | 4.67 | 58.55 | 59.13 | 8.60 | 5.68 | 4.37 | 69.59 | 0.3362 | 0.00 | 9.70 | 9.14 | 31.91 | -- | 6.21 | -- |
| LendingClub Corp | 1.09bn | 135.68m | 2.00bn | 1.00k | 14.98 | 1.33 | 10.05 | 1.84 | 1.15 | 1.15 | 9.27 | 13.01 | 0.0979 | -- | -- | -- | 1.22 | 1.37 | 8.82 | 7.60 | 24.53 | -- | 12.49 | 10.70 | -- | -- | 0.8676 | -- | 69.59 | 23.95 | 164.32 | -- | -- | -- |
| Bread Financial Holdings Inc | 4.50bn | 522.00m | 3.56bn | 6.00k | 7.14 | 1.03 | 5.90 | 0.791 | 10.92 | 10.84 | 94.52 | 75.44 | 0.1974 | -- | 0.2697 | -- | 2.29 | 2.20 | 5.63 | 6.52 | 92.84 | 91.98 | 11.61 | 11.63 | -- | 1.74 | 0.8456 | 8.02 | -3.17 | 3.44 | 86.74 | 20.39 | -- | -7.35 |
| Upstart Holdings Inc | 966.73m | 32.21m | 3.78bn | 1.19k | 132.60 | 5.08 | 68.37 | 3.91 | 0.293 | 0.293 | 9.31 | 7.65 | 0.4102 | -- | 21.58 | 810,336.10 | 1.37 | -4.41 | 1.56 | -5.25 | 81.68 | 78.81 | 3.33 | -10.94 | -- | 2.54 | 0.7139 | -- | 23.94 | 31.13 | 46.45 | -- | 13.61 | -- |
| Enova International Inc | 1.83bn | 308.39m | 3.92bn | 1.79k | 13.71 | 2.94 | 11.20 | 2.14 | 11.58 | 11.58 | 68.69 | 54.08 | 0.3119 | -- | 0.363 | -- | 5.26 | 5.60 | 5.52 | 5.91 | -- | -- | 16.85 | 17.19 | -- | 2.19 | 0.7709 | -- | 19.67 | 21.75 | 47.24 | -4.00 | 9.83 | -- |
| Nelnet Inc | 2.05bn | 425.89m | 4.67bn | 6.74k | 11.11 | 1.28 | 9.01 | 2.28 | 11.69 | 11.69 | 56.23 | 101.50 | 0.1466 | -- | 13.59 | 304,028.90 | 3.03 | 1.36 | 3.43 | 1.43 | 62.80 | 63.20 | 20.65 | 14.99 | -- | -- | 0.7217 | 13.06 | -2.24 | 3.92 | 105.26 | 5.22 | -25.73 | 8.64 |
| SLM Corp | 2.63bn | 729.12m | 5.35bn | 1.71k | 7.76 | -- | 10.40 | 2.70 | 3.46 | 3.46 | 9.41 | -- | -- | -- | -- | -- | -- | 2.42 | -- | -- | -- | -- | 37.54 | 37.54 | -- | -- | -- | 13.12 | 0.3134 | 5.38 | 23.57 | -3.49 | -- | 34.08 |
| Credit Acceptance Corp | 2.32bn | 423.90m | 5.38bn | 2.43k | 13.80 | 3.53 | 16.68 | 2.32 | 36.50 | 36.50 | 198.78 | 142.66 | 0.265 | -- | 64.91 | -- | 4.85 | 6.37 | 5.09 | 7.72 | -- | -- | 18.29 | 24.35 | -- | 2.28 | 0.8066 | -- | 7.16 | 6.78 | 71.00 | 0.1374 | -- | -- |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2025 | 7.36m | 7.57% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 5.67m | 5.82% |
| Citadel Securities LLCas of 02 Oct 2025 | 4.50m | 4.63% |
| Jericho Capital Asset Management LPas of 30 Sep 2025 | 4.48m | 4.61% |
| Slate Path Capital LPas of 30 Sep 2025 | 2.73m | 2.81% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 2.05m | 2.11% |
| Geode Capital Management LLCas of 30 Sep 2025 | 2.04m | 2.10% |
| Morgan Stanley & Co. LLCas of 30 Sep 2025 | 1.40m | 1.44% |
| Squarepoint OPS LLCas of 30 Sep 2025 | 1.36m | 1.39% |
| Marex Securities Products, Inc.as of 30 Sep 2025 | 1.29m | 1.32% |
