Upstart Holdings, Inc.

UPST · Nasdaq · ·

Comparar

US$ 19,16-6,8%fechamento 12 de nov.

Números até 30 de setembro de 2026, do 10-Q arquivado em 3 de novembro de 2026

1W: -12,5%
1M: -15,7%

Ações Upstart Holdings, Inc. (UPST) — é um bom negócio? — InspectStocks

Upstart Holdings, Inc.

UPST · Nasdaq · ·

Comparar

US$ 19,16-6,8%fechamento 12 de nov.

Números até 30 de setembro de 2026, do 10-Q arquivado em 3 de novembro de 2026

1W: -12,5%
1M: -15,7%

Just reported

Q3 2026 results

From Upstart's results release of 3 de novembro de 2026; 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 theme it is part of

Curadoria
Fintech & online brokers
Por InspectStocks · 17 companies
App-based brokers, crypto exchanges and online lenders.
Preço, 1 ano
-24,3%
Receita, 1 ano
+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

Como ganha dinheiro

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

Concorre com

O que vende6

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.

Mostrar mais 3

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.

Quem compra5

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.

Mostrar mais 2

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.

Em que se apoia e o que pode quebrá-lo

Do que o negócio depende

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.

O que pode dar errado

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.

Demonstrações financeiras completas →

Sobre a 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.

Sede: San Mateo, California
Fundada em: 2012
Funcionários: 1,405 (December 31, 2025, high)
Listada em: NASDAQ
Fim do exercício: December 31

Construído a partir dos próprios documentos de Upstart Holdings, Inc. entregues à Comissão de Valores Mobiliários dos EUA (SEC). Os números são os divulgados, com o histórico por ação recalculado para a base de ações de hoje. Isto descreve um negócio — não é recomendação de investimento nem sugestão de compra ou venda.

Just reported