Equities

Upstart Holdings Inc

Upstart Holdings Inc

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FinancialsFinance and Credit Services
  • Price (USD)38.31
  • Today's Change0.62 / 1.64%
  • Shares traded11.58m
  • 1 Year change+32.42%
  • Beta2.0496
Data delayed at least 15 minutes, as of Sep 18 2024 21:00 BST.
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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)530.29m
  • Net income in USD-201.78m
  • Incorporated2013
  • Employees1.39k
  • Location
    Upstart 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
CompanyRevenue (TTM)Net income (TTM)Market capEmployeesPrice/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)
Navient Corp1.06bn160.00m1.75bn4.50k11.650.634631.261.661.371.379.1325.210.0173--11.62234,888.900.26180.6240.28560.6827106.24109.6715.1432.92----0.950621.01-18.81-6.66-64.65-7.46--0.00
Enova International Inc1.36bn178.39m2.18bn1.68k13.771.9110.021.605.995.9945.2743.310.3119--0.3815812,360.604.098.694.379.24----13.1121.91--2.050.73570.0010.054.81-15.5726.8622.99--
Bread Financial Holdings Inc4.79bn485.00m2.60bn7.00k5.380.81954.490.5429.719.6396.1163.780.219--0.3058684,428.602.221.985.484.4192.5790.6710.1211.43--1.650.848513.0411.11-3.22229.02-4.25-24.82-18.10
Upstart Holdings Inc530.29m-201.78m3.37bn1.39k--5.65--6.36-2.33-2.336.146.680.2959--12.32382,055.50-11.26-3.57-12.99-4.4971.5080.07-38.05-8.18----0.6055---39.0438.90-120.98--63.20--
Nelnet Inc2.09bn152.17m4.13bn7.55k27.561.2516.291.974.134.1356.5990.870.1297--14.18277,435.500.78461.230.84441.2751.8363.116.0515.40--3.900.764612.606.584.35-77.57-16.83-9.949.94
SLM Corp2.63bn721.08m4.69bn1.74k6.712.315.842.443.223.228.5510.50--------2.622.46--------38.3940.14------10.3027.606.0222.546.69----
Data as of Sep 18 2024. Currency figures normalised to Upstart Holdings Inc's reporting currency: US Dollar USD

Institutional shareholders

26.05%Per cent of shares held by top holders
HolderShares% Held
The Vanguard Group, Inc.as of 30 Jun 20247.08m7.91%
BlackRock Fund Advisorsas of 30 Jun 20244.98m5.57%
SSgA Funds Management, Inc.as of 30 Jun 20242.26m2.53%
Geode Capital Management LLCas of 30 Jun 20241.79m2.00%
Susquehanna Financial Group LLLPas of 30 Jun 20241.53m1.71%
Morgan Stanley & Co. LLCas of 30 Jun 20241.31m1.47%
Global X Management Co. LLCas of 30 Jun 20241.25m1.40%
Goldman Sachs & Co. LLC (Private Banking)as of 30 Jun 20241.14m1.28%
Voloridge Investment Management LLCas of 30 Jun 20241.08m1.20%
D. E. Shaw & Co. LPas of 30 Jun 2024889.53k0.99%
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Data from 30 Jun 2024 - 30 Jun 2024Source: FactSet Research Systems Inc.
Data Provided by LSEG
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