---
title: "Upstart Holdings, Inc. (UPST.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/UPST.US.md"
symbol: "UPST.US"
name: "Upstart Holdings, Inc."
industry: "Consumer Finance"
datetime: "2026-05-19T14:07:05.869Z"
locales:
  - [en](https://longbridge.com/en/quote/UPST.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/UPST.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/UPST.US.md)
---

# Upstart Holdings, Inc. (UPST.US)

## Company Overview

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [www.upstart.com](https://www.upstart.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:12.000Z

**Overall: C (0.46)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 27 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Growth - Stocks whose main business is in the growth stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 54.67% |  |
| Net Profit YoY | 174.37% |  |
| P/B Ratio | 3.65 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 2674060844.40 |  |
| Revenue | 1173714000.00 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 7.01% | C |
| Profit Margin | 4.21% | C |
| Gross Margin | 82.71% | A |
| Revenue YoY | 54.67% | A |
| Net Profit YoY | 174.37% | A |
| Total Assets YoY | 28.98% | A |
| Net Assets YoY | 8.35% | B |
| Cash Flow Margin | -541.55% | E |
| OCF YoY | 54.67% | A |
| Turnover | 0.45 | C |
| Gearing Ratio | 75.24% | E |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Upstart Holdings, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "54.67%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "174.37%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "3.65",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "2674060844.40",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "1173714000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "7.01%",
          "rating": "C"
        },
        {
          "name": "Profit Margin",
          "value": "4.21%",
          "rating": "C"
        },
        {
          "name": "Gross Margin",
          "value": "82.71%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "54.67%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "174.37%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "28.98%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "8.35%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-541.55%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "54.67%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.45",
          "rating": "C"
        },
        {
          "name": "Gearing Ratio",
          "value": "75.24%",
          "rating": "E"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 54.13 | 39/57 | 139.09 | 70.71 | 49.87 |
| PB | 3.65 | 40/57 | 8.70 | 6.29 | 3.85 |
| PS (TTM) | 2.28 | 33/57 | 7.27 | 4.76 | 2.80 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | C | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-18T04:00:00.000Z

Total Analysts: **15**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 6 | 40% |
| Overweight | 2 | 13% |
| Hold | 6 | 40% |
| Underweight | 1 | 7% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 27.36 |
| Highest Target | 80.00 |
| Lowest Target | 20.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/UPST.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/UPST.US/norm.md)
- [Related News](https://longbridge.com/en/quote/UPST.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/UPST.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**