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The themes Upstart is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The theme it is part of
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
AXPAmerican Express Co.US$ 215BA
COFCapital ONE Financial Corp.US$ 117,4BA+
SOFISoFi Technologies, Inc.US$ 20BA
FCFSFirstcash Holdings, Inc.US$ 7,9BA+
OMFOnemain Holdings, Inc.US$ 6,4BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.4 nov 2026CAGraded C, now A
HSBCHsbc Holdings plc27 okt 2026CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2 nov 2026BAGraded B, now A
WFCWells Fargo & Company13 okt 2026BAGraded B, now A
CMECME Group Inc.21 okt 2026BAGraded B, now A
Hoe het geld verdient
- Platform and referral fees
- Servicing and other fees
- Loan sale fees
- Interest income and changes in loan values
Concurreert met
Wat het verkoopt6
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.
Nog 3 tonen
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.
Wie het koopt5
- 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.
Nog 2 tonen
- 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.
Waar het op steunt, en wat het kan breken
Waar het bedrijf van afhangt
- 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.
Wat er mis kan gaan
- 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.
Over Upstart Holdings, Inc.
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.
- Hoofdkantoor
- San Mateo, California
- Opgericht in
- 2012
- Medewerkers
- 1,405 (December 31, 2025, high)
- Genoteerd aan
- NASDAQ
- Einde boekjaar
- December 31
Gebouwd uit de eigen deponeringen van Upstart Holdings, Inc. bij de Amerikaanse toezichthouder Securities and Exchange Commission (SEC). De cijfers zijn zoals gerapporteerd, met de historie per aandeel herrekend naar de huidige aandelenbasis. Dit beschrijft een bedrijf — het is geen beleggingsadvies en geen aanbeveling om iets te kopen of te verkopen.
