Upstart Holdings, Inc.UPST
NASDAQ • Financial Services
$26.72
P/E
52.38
PEG
—
FCF Yield
—
Rev Growth YoY
+39.8% YoY
Gross Margin
98.1%
Health Score
4/10
D/E Ratio
2.32
Confidence
—
Business Snapshot
Upstart Holdings operates an AI-powered lending platform that facilitates personal loans, auto loans, and other credit products by using machine learning to assess borrower risk. The company serves as a marketplace connecting banks and credit unions with consumers, generating revenue primarily through fees and loan origination. It operates in the consumer credit market, a highly competitive space against traditional FICO-based lenders, but differentiates itself through its AI underwriting model. The company's scale is reflected by trailing twelve-month revenue of $1.16 billion. A defining characteristic is its reliance on third-party capital partners to fund loans, making its business model sensitive to credit market conditions and funding availability.
Financial Health
Gross margin is exceptionally high at 98.1%, improving from 90.8% in the prior year, which indicates strong unit economics. Net margin is reported as 434.0% — note this figure may be distorted due to a data anomaly, so it should not be considered a reliable indicator of profitability...