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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. 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.
- Revenue in USD (TTM)538.43m
- Net income in USD-175.48m
- Incorporated2013
- Employees1.39k
- LocationUpstart Holdings Inc2950 S. Delaware Street, Suite 300SAN MATEO 94403United StatesUSA
- Phone+1 (650) 204-1000
- Fax+1 (302) 636-5454
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ready Capital Corp | 903.87m | 214.20m | 1.40bn | 374.00 | 5.13 | 0.6174 | 6.03 | 1.55 | 1.62 | 1.61 | 5.47 | 14.15 | 0.0767 | -- | 17.74 | 2,416,765.00 | 2.02 | 1.91 | 2.09 | 1.96 | 8.18 | 34.04 | 26.41 | 24.63 | -- | -- | 0.7814 | 98.17 | 46.92 | 34.88 | 144.19 | 40.92 | 45.19 | -0.0476 |
| Zuora Inc | 438.34m | -62.61m | 1.50bn | 1.62k | -- | 10.64 | -- | 3.43 | -0.4396 | -0.4396 | 3.07 | 0.9539 | 0.5912 | -- | 5.44 | 270,911.60 | -8.44 | -20.82 | -13.63 | -36.77 | 66.99 | 59.84 | -14.28 | -29.74 | -- | -16.91 | 0.7223 | -- | 8.98 | 12.93 | 65.55 | -- | -5.73 | -- |
| Enova International Inc | 1.29bn | 172.63m | 1.67bn | 1.68k | 11.09 | 1.47 | 7.94 | 1.30 | 5.56 | 5.56 | 41.45 | 42.06 | 0.3041 | -- | 0.3727 | 770,088.40 | 4.07 | 8.69 | 4.31 | 9.24 | -- | -- | 13.38 | 21.91 | -- | 2.12 | 0.7256 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Navient Corp | 1.11bn | 190.00m | 1.69bn | 4.50k | 9.54 | 0.6102 | -- | 1.52 | 1.58 | 1.58 | 9.30 | 24.70 | 0.0176 | -- | 13.10 | 246,000.00 | 0.3017 | 0.624 | 0.3283 | 0.6827 | 105.78 | 109.67 | 17.16 | 32.92 | -- | -- | 0.9523 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| Upbound Group Inc | 4.07bn | -24.82m | 1.79bn | 12.97k | -- | 3.10 | 15.97 | 0.4403 | -0.4613 | -0.4613 | 73.40 | 10.59 | 1.52 | 1.80 | 38.75 | 313,979.90 | -0.9248 | 4.70 | -1.27 | 6.72 | 50.22 | 52.73 | -0.6095 | 2.86 | -- | 2.63 | 0.6903 | 63.40 | -5.96 | 8.46 | -141.91 | -- | 13.81 | -- |
| Federal National Mortgage Association | 142.48bn | -1.00m | 1.80bn | 8.10k | -- | -- | -- | 0.0126 | -0.0002 | -0.0002 | 24.26 | 47.86 | 0.033 | -- | -- | 17,589,880.00 | 0.4156 | 0.3944 | 0.4166 | 0.3954 | 18.15 | 20.57 | 12.60 | 13.35 | -- | -- | 0.9809 | -- | 15.58 | 3.45 | 0.00 | -75.42 | -- | -- |
| Federal Agricultural Mortgage Corp | 1.47bn | 179.55m | 1.85bn | 185.00 | 10.65 | 1.91 | -- | 1.26 | 16.40 | 16.40 | 134.55 | 136.20 | 0.0511 | -- | 5.49 | 7,963,962.00 | 0.7164 | 0.602 | 1.04 | 0.9443 | 23.86 | 34.22 | 14.03 | 19.97 | -- | -- | 0.9495 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
| Bread Financial Holdings Inc | 4.77bn | 416.00m | 2.07bn | 7.00k | 5.01 | 0.6832 | 3.97 | 0.4341 | 8.33 | 7.93 | 95.64 | 61.13 | 0.2155 | -- | 0.3003 | 681,428.60 | 1.88 | 1.98 | 4.67 | 4.41 | 91.72 | 90.67 | 8.72 | 11.43 | -- | 1.57 | 0.8557 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| Flywire Corp | 422.84m | -11.10m | 2.13bn | 1.20k | -- | 2.67 | 405.80 | 5.04 | -0.1064 | -0.1064 | 3.51 | 6.42 | 0.5221 | -- | 22.48 | 352,366.70 | -1.37 | -- | -1.68 | -- | 63.31 | -- | -2.63 | -- | -- | -- | 0.00 | -- | 39.30 | -- | 78.23 | -- | -- | -- |
| Upstart Holdings Inc | 538.43m | -175.48m | 2.17bn | 1.39k | -- | 3.54 | -- | 4.03 | -2.05 | -2.05 | 6.33 | 6.98 | 0.2872 | -- | 12.89 | 387,917.20 | -9.36 | -3.57 | -10.71 | -4.49 | 72.28 | 80.07 | -32.59 | -8.18 | -- | -- | 0.6213 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| AvidXchange Holdings Inc | 399.50m | -32.34m | 2.19bn | 1.60k | -- | 3.26 | 510.12 | 5.48 | -0.16 | -0.16 | 1.97 | 3.25 | 0.1964 | -- | 8.68 | 249,685.00 | -1.59 | -- | -3.95 | -- | 69.42 | -- | -8.10 | -- | -- | -- | 0.1716 | -- | 20.35 | -- | 53.27 | -- | -- | -- |
| Payoneer Global Inc | 867.27m | 114.37m | 2.24bn | 2.17k | 20.31 | 3.22 | 15.37 | 2.58 | 0.2949 | 0.2949 | 2.24 | 1.86 | 0.1331 | -- | 96.07 | 400,217.80 | 1.76 | -- | 16.49 | -- | -- | -- | 13.19 | -- | -- | -- | 0.0214 | -- | 32.42 | -- | 879.72 | -- | -- | -- |
| Remitly Global Inc | 1.01bn | -110.61m | 2.50bn | 2.70k | -- | 4.55 | -- | 2.48 | -0.5994 | -0.5994 | 5.47 | 2.86 | 1.13 | -- | 3.49 | 373,903.00 | -12.33 | -- | -18.00 | -- | 65.83 | -- | -10.96 | -- | -- | -- | 0.2172 | -- | 44.48 | -- | -3.35 | -- | -- | -- |
| Lufax Holding Ltd - ADR | 4.30bn | -90.53m | 2.57bn | 36.22k | -- | 0.2038 | -- | 0.5973 | -0.1594 | -0.1594 | 7.46 | 21.98 | 0.1121 | -- | -- | 118,768.10 | -0.19 | 4.05 | -0.3637 | 10.64 | -- | -- | -1.69 | 20.51 | -- | 5.37 | 0.3419 | 2.76 | -41.05 | -3.27 | -89.81 | -42.09 | -29.10 | -- |
| Arbor Realty Trust Inc | 1.60bn | 303.62m | 2.58bn | 647.00 | 9.95 | 1.05 | 7.59 | 1.61 | 1.38 | 1.38 | 7.25 | 16.36 | 0.1011 | -- | 14.73 | 2,475,305.00 | 2.34 | 2.64 | 2.37 | 2.68 | 43.71 | 57.20 | 23.20 | 31.30 | -- | -- | 0.78 | 82.91 | 38.04 | 27.35 | 15.88 | 24.96 | -- | 11.64 |
| Dlocal Ltd | 697.49m | 131.23m | 2.71bn | 951.00 | 21.19 | 5.69 | 18.70 | 3.88 | 0.4317 | 0.4317 | 2.29 | 1.61 | 0.6884 | -- | 2.47 | 774,133.20 | 12.96 | -- | 29.54 | -- | 39.86 | -- | 18.83 | -- | -- | -- | 0.008 | -- | 55.24 | -- | 37.06 | -- | -- | -- |
Data as of Jun 06 2024. Currency figures normalised to Upstart Holdings Inc's reporting currency: US Dollar USD
27.03%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Mar 2024 | 6.92m | 8.00% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 4.68m | 5.42% |
| Morgan Stanley & Co. LLCas of 31 Mar 2024 | 2.08m | 2.41% |
| D. E. Shaw & Co. LPas of 31 Mar 2024 | 2.03m | 2.35% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 1.87m | 2.16% |
| Geode Capital Management LLCas of 31 Mar 2024 | 1.67m | 1.93% |
| Susquehanna Financial Group LLLPas of 31 Mar 2024 | 1.46m | 1.69% |
| Voloridge Investment Management LLCas of 31 Mar 2024 | 1.02m | 1.18% |
| Coatue Management LLCas of 31 Mar 2024 | 870.95k | 1.01% |
| Global X Management Co. LLCas of 31 Mar 2024 | 770.59k | 0.89% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
