Upstart Holdings, Inc. (UPST)

From the record

Upstart Holdings, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Upstart Holdings, Inc.'s 7 filed years say what it did: revenue went from $164 million in fiscal 2019 to $1.0 billion in fiscal 2025, up 36.1% a year; it rose in 4 of 6 years; the deepest fall was 39% from fiscal 2021 to fiscal 2023; net income was positive in 3 of 7 of those years (its annual reports).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Upstart Holdings, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 73 cents per dollar of assets, and net share issuance: its share count grew 20.2% over the year (the filed statements).

From the record

Upstart Holdings, Inc.'s standing among 114 graded names in its industry family: revenue of $1.0 billion in fiscal 2025 ranks in the top 13% by size; a net margin of 5.1% ranks in the top 26%; revenue growth of 7.4% a year over the last 3 filed years ranks in the bottom 48% (its annual reports).

From the record

Upstart Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Gu, Paul (Chief Executive Officer, as filed), filing under that title since 2026-05-14, 6 months (bottom 17% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 5.9 years (top 23%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (top 30%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Upstart Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $1.1 billion against debt of $1.8 billion leaves -26% of its assets as net cash, bottom 5% of its family; cash from operations less capital spending is -14.2% of revenue (top 35%); research spending of 24.7% of revenue (top 35%) (its annual report).

From the record

Upstart Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 7.4% a year over the last three filed years against 36.1% over all 7, slowing (bottom 18% of its family); the newest year grew 64% (top 20%); research spending grew 2.8% a year (top 44%); capital spending grew -66% a year (bottom 8%) (its annual reports). Upstart Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Upstart Holdings, Inc.'s newest year against its own record: revenue of $1.0 billion in fiscal 2025 came in 88.6% above the $553 million its prior three years' pace pointed to (top 19% of its family); net income of $54 million against a prior three-year average of $159 million (top 13%); a net margin of 5.1% against -26.6% before (top 28%) (its annual reports).