Stock Scorecard
Stock Summary for Upstart Holdings Inc (UPST) - $31.53 as of 2/19/2026 12:51:34 PM EST
Total Score
11 out of 30
Safety Score
50 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for UPST
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UPST
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UPST
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UPST
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UPST (50 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 2 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 2 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for UPST
Financial Details for UPST
Company Overview |
|
|---|---|
| Ticker | UPST |
| Company Name | Upstart Holdings Inc |
| Country | USA |
| Description | Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 31.53 |
| Price 4 Years Ago | 13.22 |
| Last Day Price Updated | 2/19/2026 12:51:34 PM EST |
| Last Day Volume | 5,164,106 |
| Average Daily Volume | 5,081,719 |
| 52-Week High | 87.30 |
| 52-Week Low | 29.61 |
| Last Price to 52 Week Low | 6.48% |
Valuation Measures |
|
| Trailing PE | 70.07 |
| Industry PE | 20.09 |
| Sector PE | 17.26 |
| 5-Year Average PE | -18.51 |
| Free Cash Flow Ratio | 6.19 |
| Industry Free Cash Flow Ratio | 11.75 |
| Sector Free Cash Flow Ratio | 25.22 |
| Current Ratio Most Recent Quarter | 3.32 |
| Total Cash Per Share | 5.09 |
| Book Value Per Share Most Recent Quarter | 8.15 |
| Price to Book Ratio | 3.77 |
| Industry Price to Book Ratio | 2.19 |
| Sector Price to Book Ratio | 1.83 |
| Price to Sales Ratio Twelve Trailing Months | 2.88 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.60 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.46 |
| Analyst Buy Ratings | 5 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 98,061,000 |
| Market Capitalization | 3,091,863,330 |
| Institutional Ownership | 67.17% |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 209.10% |
| Annual Earnings Growth | 141.69% |
| Reported EPS 12 Trailing Months | 0.45 |
| Reported EPS Past Year | 1.35 |
| Reported EPS Prior Year | -0.28 |
| Net Income Twelve Trailing Months | 53,601,000 |
| Net Income Past Year | 53,601,000 |
| Net Income Prior Year | -128,581,000 |
| Quarterly Revenue Growth YOY | 34.40% |
| 5-Year Revenue Growth | 35.74% |
| Operating Margin Twelve Trailing Months | 8.88% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 494,887,000 |
| Total Cash Past Year | 793,607,000 |
| Total Cash Prior Year | 377,324,000 |
| Net Cash Position Most Recent Quarter | -1,220,345,000 |
| Net Cash Position Past Year | -412,956,000 |
| Long Term Debt Past Year | 1,206,563,000 |
| Long Term Debt Prior Year | 652,999,000 |
| Total Debt Most Recent Quarter | 1,715,232,000 |
| Equity to Debt Ratio Past Year | 0.34 |
| Equity to Debt Ratio Most Recent Quarter | 0.30 |
| Total Stockholder Equity Past Year | 633,218,000 |
| Total Stockholder Equity Prior Year | 635,305,000 |
| Total Stockholder Equity Most Recent Quarter | 743,718,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -166,132,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -1.69 |
| Free Cash Flow Past Year | -166,132,000 |
| Free Cash Flow Prior Year | 176,341,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -3.72 |
| MACD Signal | -2.99 |
| 20-Day Bollinger Lower Band | 31.49 |
| 20-Day Bollinger Middle Band | 43.65 |
| 20-Day Bollinger Upper Band | 55.81 |
| Beta | 2.39 |
| RSI | 32.54 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 2/19/2026 9:47:46 AM EST |