Upstart Holdings, Inc.

UPST · Nasdaq · ·

비교

US$19.16-6.8%11월 12일 종가

2026년 9월 30일까지의 수치 (2026년 11월 3일 제출 10-Q 기준)

1W: -12.5%
1M: -15.7%
3M

Upstart Holdings, Inc. (UPST) 주식 — 좋은 사업일까? — InspectStocks

Upstart Holdings, Inc.

UPST · Nasdaq · ·

비교

US$19.16-6.8%11월 12일 종가

2026년 9월 30일까지의 수치 (2026년 11월 3일 제출 10-Q 기준)

1W: -12.5%
1M: -15.7%
3M

Just reported

Q3 2026 results

From Upstart's results release of 2026년 11월 3일; its quarterly report has since been filed.

Revenue
Actual
US$370.5M
+34% y/y
+1.6% q/q
Guided
—
No guide given
EPS, GAAP
Actual
US$0.33
+43% y/y
+106% q/q
Guided
—
No guide given
Operating income, GAAP
Actual
US$36M
+52% y/y
+146% q/q
Guided
—
No guide given

Company outlook

Full year 2026

RevenueUS$1.32B+26% y/y Lowered -5.7%

Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.

Keep exploring

The themes Upstart is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.

The themes it is part of

큐레이션
Fintech & online brokers
InspectStocks 제공 · 17 companies
App-based brokers, crypto exchanges and online lenders.
주가, 1년
-24.3%
매출, 1년
+16.7%
+11
A 8B 6D 3

Highest-graded in Credit Services

Graded A or B and worth $2B or more: A first, then the largest.

All 51 graded companies in its industry

Grade rose recently in Financials

Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.

All grade rises

어떻게 돈을 버는가

Platform and referral fees
Servicing and other fees
Loan sale fees
Interest income and changes in loan values

경쟁 상대

무엇을 파는가6

Upstart loan assessment and origination software
Software that helps lenders assess applicants, check income and identity, detect possible fraud, set loan terms and process applications.
Personal loans
Unsecured loans offered to consumers through Upstart.com and funded by lending partners, investors or Upstart.
Upstart Auto Finance
Software for car dealerships that supports the vehicle sales process and lets consumers access Upstart-powered auto loans.

3개 더 보기

Home equity lines of credit (HELOCs)
Credit lines secured by a borrower's home, offered through Upstart's marketplace.
Small dollar loans
Smaller personal loans offered through Upstart's marketplace.
Cash Line
An unsecured revolving credit line that lets an approved borrower draw money as needed.

누가 사는가5

Banks that use Upstart's software to assess applications and make loans.
Credit unions that use the software and may fund loans to their members.
Institutional investors that buy loans or securities backed by loans made through the marketplace.

2개 더 보기

Auto dealerships that subscribe to Upstart Auto Finance software.
Consumers who apply for loans through Upstart.com or dealerships; some pay fees on certain products or transactions.

무엇에 기대고 있고, 무엇이 무너뜨릴 수 있는가

사업이 기대고 있는 것

1The marketplace depends on banks, credit unions and investors providing enough money to fund loans; their willingness to lend or invest can change with economic and financial conditions.
2A small number of lending partners account for a substantial portion of loans and fee revenue, making the business dependent on retaining those partners and attracting others.
3Upstart's credit models depend on borrower and loan data, including information from third parties, and on the models keeping up with changes in borrowers' ability to repay.
4Borrower acquisition depends in part on marketing channels and outside loan-referral partners, including online aggregators.

잘못될 수 있는 일

1If banks and investors reduce the money available to fund loans, or require higher returns, borrowers may receive fewer or more costly offers and marketplace activity may fall.
2The business relies on a limited group of lending partners for a significant share of loan originations and fee revenue; losing or reducing business with those partners could affect results.
3If Upstart's models misjudge borrowers' repayment ability or fail to adjust to economic changes, loan performance may disappoint and lenders, investors or regulators may lose confidence in the marketplace.

전체 재무제표 보기 →

Upstart Holdings, Inc. 소개

Upstart uses artificial intelligence (AI) software to assess consumer loan applications, verify information and help lenders decide whether to approve a loan and at what price. Consumers can apply through Upstart.com or, for auto loans, at dealerships using Upstart's software. Banks, credit unions and investors provide much of the money for the loans; Upstart also services most of them and sometimes holds loans itself.

본사: San Mateo, California
설립: 2012
임직원 수: 1,405 (December 31, 2025, high)
상장 시장: NASDAQ
회계연도 종료: December 31

Upstart Holdings, Inc.이(가) 미국 증권거래위원회(SEC)에 직접 제출한 공시로 만들었습니다. 수치는 보고된 그대로이며, 주당 이력은 오늘의 주식 수 기준으로 재계산했습니다. 이것은 사업을 설명하는 자료입니다. 투자 자문이 아니며 어떤 매수나 매도도 권유하지 않습니다.

Just reported