Akcje Upstart Holdings, Inc. (UPST) — czy to dobra firma?

Akcje Upstart Holdings, Inc. (UPST) — czy to dobra firma? — InspectStocks

Jak zarabia

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

Konkuruje z

Co sprzedaje6

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.

Pokaż 3 więcej

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.

Kto to kupuje5

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.

Pokaż 2 więcej

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.

Na czym się opiera i co może to zburzyć

Od czego zależy ta działalność

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.

Co może pójść nie tak

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.

Pełne sprawozdania finansowe →

O spółce 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.

Siedziba: San Mateo, California
Rok założenia: 2012
Zatrudnienie: 1,405 (December 31, 2025, high)
Notowana na: NASDAQ
Koniec roku obrotowego: December 31

Zbudowane z własnych raportów spółki Upstart Holdings, Inc. składanych do amerykańskiej Komisji Papierów Wartościowych i Giełd (SEC). Liczby są takie, jak zaraportowano, a historia na akcję przeliczona na dzisiejszą bazę akcji. To opisuje firmę — nie jest poradą inwestycyjną ani rekomendacją kupna lub sprzedaży.

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 theme it is part of

Highest-graded in Credit Services

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

Grade rose recently in Financials

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

Jak zarabia

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

Konkuruje z

Co sprzedaje6

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.

Pokaż 3 więcej

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.

Kto to kupuje5

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.

Pokaż 2 więcej

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.

Na czym się opiera i co może to zburzyć

Od czego zależy ta działalność

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.

Co może pójść nie tak

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.

Pełne sprawozdania finansowe →

O spółce Upstart Holdings, Inc.

Siedziba: San Mateo, California
Rok założenia: 2012
Zatrudnienie: 1,405 (December 31, 2025, high)
Notowana na: NASDAQ
Koniec roku obrotowego: December 31

Jak zarabia

Konkuruje z

Co sprzedaje6

Kto to kupuje5

Na czym się opiera i co może to zburzyć

Od czego zależy ta działalność

Co może pójść nie tak

O spółce Upstart Holdings, Inc.

Keep exploring

The theme it is part of

Highest-graded in Credit Services

Grade rose recently in Financials

Jak zarabia

Konkuruje z

Co sprzedaje6

Kto to kupuje5

Na czym się opiera i co może to zburzyć

Od czego zależy ta działalność

Co może pójść nie tak

O spółce Upstart Holdings, Inc.

Upstart Holdings, Inc.

Q3 2026 results

Revenue

EPS, GAAP

Operating income, GAAP

Company outlook

Keep exploring

The theme it is part of

Highest-graded in Credit Services

Grade rose recently in Financials

Fintech & online brokers

Wzrost i gotówka — 3 z 5

Trend biznesu

Cena akcji i ocena w czasie

Jak zarabia

Konkuruje z

Co sprzedaje6

Kto to kupuje5

Na czym się opiera i co może to zburzyć

Od czego zależy ta działalność

Co może pójść nie tak

O spółce Upstart Holdings, Inc.

Keep exploring

The theme it is part of

Highest-graded in Credit Services

Grade rose recently in Financials

Jak zarabia

Konkuruje z

Co sprzedaje6

Kto to kupuje5

Na czym się opiera i co może to zburzyć

Od czego zależy ta działalność

Co może pójść nie tak

O spółce Upstart Holdings, Inc.

Upstart Holdings, Inc.

Wyniki historyczne

Q3 2026 results

Revenue

EPS, GAAP

Operating income, GAAP

Company outlook

Keep exploring

The theme it is part of

Highest-graded in Credit Services

Grade rose recently in Financials

Fintech & online brokers

Wzrost i gotówka — 3 z 5

Trend biznesu

Cena akcji i ocena w czasie