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Stocks/Financials/Consumer Finance

UpstartUPST

Consumer Finance
Solid businessCheaper than peers
$23.02−7.33%After hours: $23.05 (+0.13%)At the close, 30 Oct · Prices from CNBC, may be delayed
▼ 52.8% over 1 year
Upstart over 1 yearDaily close, $, to 30 Oct 2026
$30$40$50Nov2026MarMayJulSep$23.02$40NovMarJul$23.02
Source: Nasdaq daily closes
Market value$2.24B
Price to earnings42.8x
Forward P/E7.7x
Dividend yield–
Year to date−47.4%
One year−52.8%
Next earningsTue 3 Nov, before the open
SectorFinancials
52-week range (closes)
$22.74$50.70

Quality and valuation

How Upstart compares with other financials stocks. A description, not a recommendation.

Upstart and 4 consumer finance peers. Across: valuation (P/E) against the sector. Up: business quality against the sector. Hover or tap a logo for its numbers.

Business quality: about averageValuation: cheaper than most

An average business among financials companies, priced below most of them.

Upstart trades at 7.7 times the next 12 months of expected earnings, against a median of 13.0x for the 84 financials stocks we cover. The quality score blends where it ranks on revenue growth, gross margin, operating margin and free-cash-flow margin (net margin for banks and insurers) over the last 12 months, from SEC filings.

  • Revenue grew faster than the sector median: +46.3% vs +10.2%
  • Less profitable (operating margin): 4.0% vs 22.3%
  • Turns less of its sales into cash: −23.2% vs 20.3%
UPST trades at 7.7x forward earnings, below the sector medianForward p/e, Consumer Finance peers
UPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0xUPST7.7xSYF7.9xCOF9.3xAXP17.2xSOFI22.3xSector median 13.0x
Source: CNBC quotes; Mostly Markets

Financials

From Upstart's SEC filings, through the quarter ending 30 Jun 2026. Hover or tap a bar for its value.

Revenue grew 41.7% from a year earlierQuarterly revenue, $m, latest Q2 ’26
$0m$100m$200m$300mQ3 ’24Q1 ’25Q3 ’25$365mQ2 ’26$0m$200mQ3 ’24Q1 ’25Q3 ’25$365mQ2 ’26
Source: SEC filings
Growth slowed to +41.7% last quarterRevenue growth, year on year, %
0%50%100%Q3 ’24Q1 ’25Q3 ’2541.7%Q2 ’260%50%100%Q3 ’24Q1 ’25Q3 ’2541.7%Q2 ’26
Source: SEC filings
Operating margin was 4.0% last quarterOperating income as a share of revenue, %
−20%−10%0%Q3 ’24Q1 ’25Q3 ’254.0%Q2 ’26−20%0%Q3 ’24Q1 ’25Q3 ’254.0%Q2 ’26
Source: SEC filings
Free cash flow was −$289 million over 12 monthsQuarterly free cash flow (operating cash flow minus capex), $m
−$100m$0m$100mQ3 ’24Q1 ’25Q3 ’25−$139mQ2 ’26$0mQ3 ’24Q1 ’25Q3 ’25−$139mQ2 ’26
Source: SEC filings
Last 12 monthsUPSTSector median
Revenue growth+46.3%+10.2%
Operating margin4.0%22.3%
Free cash flow margin−23.2%20.3%
Price to earnings42.8x14.6x

Stories on Upstart

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Similar companies

Consumer Finance, by market value.

CompanyPriceTodayYTDValue
AXPAmerican Express$319.11−1.42%−13.7%$214B
COFCapital One$204.85−1.86%−15.5%$123B
SYFSynchrony Financial$75.35−2.10%−9.7%$23.46B
SOFISoFi Technologies$16.76−4.83%−36.0%$21.73B