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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)513.56m
- Net income in USD-240.13m
- 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 | 1.05bn | 325.00m | 1.48bn | 374.00 | 3.68 | 0.62 | 4.28 | 1.41 | 2.37 | 2.36 | 6.88 | 14.79 | 0.0872 | -- | 21.09 | 2,804,655.00 | 2.92 | 1.91 | 3.01 | 1.96 | 23.95 | 34.04 | 33.49 | 24.63 | -- | -- | 0.777 | 98.17 | 46.92 | 34.88 | 144.19 | 40.92 | 45.19 | -0.0476 |
| Zuora Inc | 431.66m | -68.19m | 1.52bn | 1.62k | -- | 11.35 | -- | 3.51 | -0.4878 | -0.4878 | 3.08 | 0.9155 | 0.5785 | -- | 3.94 | 266,786.80 | -9.14 | -20.82 | -15.13 | -36.77 | 65.95 | 59.84 | -15.80 | -29.74 | -- | -- | 0.729 | -- | 8.98 | 12.93 | 65.55 | -- | -5.73 | -- |
| Enova International Inc | 1.29bn | 172.63m | 1.70bn | 1.68k | 11.29 | 1.49 | 8.08 | 1.32 | 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 | -- |
| Upbound Group Inc | 4.07bn | -24.82m | 1.71bn | 12.97k | -- | 2.96 | 15.26 | 0.4207 | -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 | 1.73bn | 8.10k | -- | -- | -- | 0.0121 | -0.0002 | -0.0002 | 24.26 | 70.81 | 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 | -- | -- |
| Navient Corp | 1.11bn | 190.00m | 1.76bn | 4.50k | 9.98 | 0.6382 | -- | 1.59 | 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 |
| Payoneer Global Inc | 831.10m | 93.33m | 1.85bn | 2.17k | 21.77 | 2.80 | 15.32 | 2.23 | 0.2388 | 0.2388 | 2.13 | 1.86 | 0.1198 | -- | 79.69 | 383,527.00 | 1.35 | -- | 13.74 | -- | -- | -- | 11.23 | -- | -- | -- | 0.027 | -- | 32.42 | -- | 879.72 | -- | -- | -- |
| Federal Agricultural Mortgage Corp | 1.39bn | 172.84m | 1.95bn | 185.00 | 11.72 | 2.17 | -- | 1.40 | 15.80 | 15.80 | 127.30 | 130.22 | 0.049 | -- | 4.54 | 7,525,881.00 | 0.7035 | 0.602 | 0.9928 | 0.9443 | 24.73 | 34.22 | 14.37 | 19.97 | -- | -- | 0.9515 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
| Bread Financial Holdings Inc | 4.77bn | 416.00m | 2.00bn | 7.00k | 4.85 | 0.6607 | 3.84 | 0.4199 | 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 |
| Upstart Holdings Inc | 513.56m | -240.13m | 2.26bn | 1.39k | -- | 3.50 | -- | 4.40 | -2.89 | -2.89 | 6.13 | 7.36 | 0.2598 | -- | 11.79 | 370,001.40 | -12.15 | -3.57 | -14.25 | -4.49 | 70.71 | 80.07 | -46.76 | -8.18 | -- | -- | 0.6209 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| Flywire Corp | 403.09m | -8.57m | 2.48bn | 1.20k | -- | 3.12 | 342.38 | 6.16 | -0.0895 | -0.0895 | 3.44 | 6.41 | 0.4596 | -- | 25.26 | 335,911.70 | -0.9767 | -- | -1.31 | -- | 63.45 | -- | -2.13 | -- | -- | -- | 0.00 | -- | 39.30 | -- | 78.23 | -- | -- | -- |
| AvidXchange Holdings Inc | 380.72m | -47.33m | 2.51bn | 1.60k | -- | 3.77 | -- | 6.58 | -0.235 | -0.235 | 1.89 | 3.22 | 0.1622 | -- | 8.82 | 237,950.00 | -2.02 | -- | -5.80 | -- | 68.14 | -- | -12.43 | -- | -- | -- | 0.1747 | -- | 20.35 | -- | 53.27 | -- | -- | -- |
| Arbor Realty Trust Inc | 1.60bn | 303.62m | 2.53bn | 647.00 | 9.76 | 1.03 | 7.44 | 1.58 | 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 |
| Lufax Holding Ltd - ADR | 4.32bn | -90.95m | 2.66bn | 36.22k | -- | 0.2101 | -- | 0.6156 | -0.1601 | -0.1601 | 7.50 | 22.08 | 0.1121 | -- | -- | 119,323.40 | -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 | -- |
| Remitly Global Inc | 1.01bn | -110.61m | 2.97bn | 2.70k | -- | 5.39 | -- | 2.94 | -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 | -- | -- | -- |
Data as of May 07 2024. Currency figures normalised to Upstart Holdings Inc's reporting currency: US Dollar USD
29.97%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2023 | 6.80m | 7.87% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 4.84m | 5.60% |
| D. E. Shaw & Co. LPas of 31 Dec 2023 | 3.32m | 3.85% |
| Morgan Stanley & Co. LLCas of 31 Dec 2023 | 1.98m | 2.29% |
| Jane Street Capital LLCas of 31 Dec 2023 | 1.91m | 2.21% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 1.84m | 2.12% |
| Geode Capital Management LLCas of 31 Dec 2023 | 1.60m | 1.86% |
| BMO Asset Management, Inc.as of 31 Dec 2023 | 1.34m | 1.55% |
| BofA Securities, Inc.as of 31 Dec 2023 | 1.21m | 1.40% |
| Two Sigma Investments LPas of 31 Dec 2023 | 1.06m | 1.23% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
