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Upstart is the leading artificial intelligence ( AI ) lending marketplace. We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process.
$33.61
$0.18 (-0.53%)
Price from 2 days ago
Net margin is thin at 5.13%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 64.0% YoY.
At 82x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
82.0x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$1.14B
▲ +64.0% YoY
Net Income (TTM)
$49M
▲ +141.7% YoY
Net Margin
4.34%
P/E
82.0x
Balance Sheet
Total Assets
$2.96B
Equity
$733M
Total Debt
$18M
Cash & Equiv.
$473M
5Y CAGR: +34.9%
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