Frequently Asked Questions about Upstart Holdings, Inc. (UPST)

Name: Upstart Holdings, Inc. (UPST) Institutional Financial Dataset
Creator: Olyth
License: https://olyth.xyz

Question 1

What does Upstart Holdings, Inc. (UPST) do?

Accepted Answer

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 20...

Question 2

Is Upstart Holdings, Inc. (UPST) a good stock to buy?

Accepted Answer

Olyth's institutional analysis of UPST reveals an Altman Z-Score of 1.32 and a Piotroski F-Score of 4/9. These metrics, combined with its 5-year revenue trend ($1.08B most recent), help investors decide if UPST fits their risk profile.

Question 3

What is the current P/E ratio for UPST?

Accepted Answer

As of the latest trading session, Upstart Holdings, Inc. (UPST) has a trailing P/E ratio of 49.63.

Question 4

Who is the CEO of Upstart Holdings, Inc.?

Accepted Answer

The current Chief Executive Officer of Upstart Holdings, Inc. is David J. Girouard.

Question 5

What was UPST's revenue for the last 5 years?

Accepted Answer

According to its latest income statements, Upstart Holdings, Inc. reported annual revenues of $1.08B (2025), $0.68B (2024), $0.55B (2023), $0.85B (2022), $0.85B (2021) respectively.

Question 6

Does UPST pay a dividend?

Accepted Answer

Upstart Holdings, Inc. does not currently pay a dividend to its shareholders.

Question 7

How much debt and cash flow does UPST have?

Accepted Answer

In its latest reporting period, Upstart Holdings, Inc. generated $-0.17B in Free Cash Flow against a total debt load of $1.85B.

Question 8

What is the Price-to-Book (P/B) ratio of Upstart Holdings, Inc.?

Accepted Answer

The Price-to-Book (P/B) ratio for Upstart Holdings, Inc. (UPST) is currently 3.33.

Question 9

What is the Price-to-Sales (P/S) ratio of UPST?

Accepted Answer

Based on trailing twelve-month data, Upstart Holdings, Inc. (UPST) trades at a Price-to-Sales (P/S) ratio of 2.49.

Question 10

What is Upstart Holdings, Inc.'s Return on Equity (ROE)?

Accepted Answer

Upstart Holdings, Inc. (UPST) has a Return on Equity (ROE) of 7.29%, representing its profitability relative to shareholder equity.

Period	Operating CF	SBC	CapEx	Free CF	True FCF
2025-12	-147.7M	132M	-18.4M	-166.1M	-298.1M
2024-12	186.3M	133.4M	-10M	176.3M	42.9M
2023-12	-111.7M	175M	-12.1M	-123.8M	-298.8M
2022-12	-657.9M	125.9M	-22.9M	-680.8M	-806.7M
2021-12	168.4M	73.2M	-15.1M	153.2M	80.1M

Period	Operating CF	SBC	CapEx	Free CF	True FCF
2025-12	-147.7M	132M	-18.4M	-166.1M	-298.1M
2024-12	186.3M	133.4M	-10M	176.3M	42.9M
2023-12	-111.7M	175M	-12.1M	-123.8M	-298.8M
2022-12	-657.9M	125.9M	-22.9M	-680.8M	-806.7M
2021-12	168.4M	73.2M	-15.1M	153.2M	80.1M