UP
UPST
—
Nasdaq
Banks
Upstart Holdings, Inc.
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
2,9B USD
P/E
60,1x
EV / Rev
2,6x
Div yield
—
Op margin
4,1 %
ROE
7,3 %
Net margin
5,1 %
Debt / equity
—
Beta
—
52w range
—
Volume
32
Day range
—
Prev close
$27,44
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
Upstart Holdings, Inc. is classified under Financials / Banks and appears not currently profitable on the latest normalized snapshot.
Business. Upstart Holdings, Inc. (UPST) is a financial services company classified within the Banking Services industry group, primarily engaged in commercial banking activities. The firm generates revenue through an interest-income model and is listed on the Nasdaq stock exchange. Specific details regarding operating segments and geographic distribution are not provided in the available data.
Classification96 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · rules-based
Sell-side consensus
BUY15 analysts
8 buy6 hold1 sell
Avg 12m price target39,80
Analyst recommendations
15 analysts · consensus BuyBuy8
Hold6
Sell1
12-month price target
39,80
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation→
60,1x
P/E
Analysts→
Buy
15 analysts · indicative
Ownership→
Nuveen LLC
largest disclosed fund holder
Profitability→
7,3 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to UPST. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
Upstart Holdings, Inc. (UPST) is a financial services company classified within the Banking Services industry group, primarily engaged in commercial banking activities. The firm generates revenue through an interest-income model and is listed on the Nasdaq stock exchange. Specific details regarding operating segments and geographic distribution are not provided in the available data.
Classification96 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
AI synthesis
GENERATEDUpstart Holdings, Inc. (UPST) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.96 (rule-based classification). Capital structure on the latest snapshot: total assets 2,961,681,000 USD, total equity 733,166,000, short-term debt 0, long-term debt 0. Net cash position is approximately 472,934,000 USD. Self-calculated market cap is 3,221,021,616 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 308,214,000, gross profit 0, operating income -7,518,000, net income -6,646,000. Return on equity ~7.3%. Return on assets ~1.8%. Operating-cash-flow to net-income ratio is -2.76. Risk profile from automated assessment: liquidity risk low, dilution risk medium. Flags: Source documents mention dilution or offering risk.. Recent news context: [TRIGGER] allocator_boost: allocator_boost (allocator) on UPST — watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-08-03; rank=23; ev=8.262855; company_id=97aad503-c913-4dc8-9047-89d77977294b; jurisdiction=US; term_contributions={'event_proximity': 2.456192, 'gradability': 2.0, 'staleness': 3.806662, 'credibility_interest': 0.0}; days_since_analysis=44; pending_promises=0; reason=Allocator coverage boost rank #23 EV=8.262855 for UPST (hot+stale; days_since=44); calendar_week={'next_event_date': '2026-08-04', 'days_until': 1, 'bases': ['expected (estimated date)'], 'in_plan_rows': True, 'never_analyzed': True}; contributing_watchers=allocator (source=allocator; url=allocator:2026-08-03:UPST). Additional context: allocator_boost: watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-08-03; rank=23; ev=8.262855; company_id=97aad503-c913-4dc8-9047-89d77977294b; jurisdiction=US; term_contributions={'event_proximity': 2.456192, 'gradability': 2.0, 'staleness': 3.806662, 'credibility_interest': 0.0}; days_since_analysis=44; pending_promises=0; reason=Allocator coverage boost rank #23 EV=8.262855 for UPST (hot+stale; days_since=44); calendar_week={'next_event_date': '2026-08-04', 'days_until': 1, 'bases': ['expected (estimated date)'], 'in_plan_rows': True, 'never_analyzed': True}; contributing_watchers=allocator. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
Key takeaways
- Observed GAAP P/E is about 60.09x.
- Return on equity is about 7.3%.
- Debt to equity is about 0.0x.
- [TRIGGER] allocator_boost: allocator_boost (allocator) on UPST — watcher=allocator; producer_version=ws49-p2a-v2; plan_date=2026-08-03; rank=23; ev=8.262855; company_id=97aad503-c913-4dc8-9047-89d77977294b; jurisdiction=US; term_contributions={'event_proximity': 2.456192, 'gradability': 2.0, 'staleness': 3.806662, 'credibility_interest': 0.0}; days_since_analysis=44; pending_promises=0; reason=Allocator coverage boost rank #23 EV=8.262855 for UPST (hot+stale; days_since=44); calendar_week={'next_event_date': '2026-08-04', 'days_until': 1, 'bases': ['expected (estimated date)'], 'in_plan_rows': True, 'never_analyzed': True}; contributing_watchers=allocator (source=allocator; url=allocator:2026-08-03:UPST)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
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Bull / Bear case
Generated · model-assistedBULL CASE · 5
Analysts project 61.7% upside to a mean price target of $44.93, reflecting strong buy consensus among 15 analysts.
Return on equity of 7.31% exceeds the 6.51% median for the 1,041-company bank cohort benchmark.
Revenue demonstrated an 11.3% compound annual growth rate over the two-year period from FY2023 to FY2025.
The company maintains a zero debt-to-equity ratio, significantly below the 0.26 median for the bank cohort.
Free cash flow surged 225.3% year-over-year in FY2025, indicating improved operational cash generation capabilities.
BEAR CASE · 1
Cash conversion ratio of -2.76 ranks in the bottom quartile versus the 1.13 cohort median.
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-03-31
Q4 2025 · Quarter highlights
Revenue $308.2M; Operating income -$7.5M.
Revenue$308.2M
Operating income-$7.5M
Net income-$6.6M
Free cash flow-$136.0M
EPS—
Operating cash flow-$133.3M
Financials
Income statement
Revenue$308.2M
Gross profit—
Operating income-$7.5M
Net income-$6.6M
Margins
Gross margin—
Operating margin-2.4%
Net margin-2.2%
FCF margin-44.1%
Balance sheet
Total assets$2.96B
Total liabilities$2.23B
Total equity$733.2M
Cash & equivalents$472.9M
Long-term debt—
Cash flow
Operating cash flow-$133.3M
CapEx$2.8M
Free cash flow-$136.0M
SBC$34.8M
P&L flow · revenue → net income
Highlights
- ▍Revenue $308.2M
- ▍Operating income -$7.5M
- ▍Net margin -2.2%
QUARTERLYFiled 2025-09-30
Q2 2025 · Quarter highlights
Revenue $747.8M; Operating income $23.7M.
Revenue$747.8M
Operating income$23.7M
Net income$35.0M
Free cash flow-$256.5M
EPS—
Operating cash flow-$256.3M
Financials
Income statement
Revenue$747.8M
Gross profit—
Operating income$23.7M
Net income$35.0M
Margins
Gross margin—
Operating margin3.2%
Net margin4.7%
FCF margin-34.3%
Balance sheet
Total assets$2.90B
Total liabilities$2.16B
Total equity$743.7M
Cash & equivalents$489.8M
Long-term debt—
Cash flow
Operating cash flow-$256.3M
CapEx$190.0k
Free cash flow-$256.5M
SBC$99.5M
P&L flow · revenue → net income
Highlights
- ▍Revenue $747.8M
- ▍Operating income $23.7M
- ▍Net margin 4.7%
QUARTERLYFiled 2025-06-30
Q1 2025 · Quarter highlights
Revenue $470.7M; Operating income $46.0k.
Revenue$470.7M
Operating income$46.0k
Net income$3.2M
Free cash flow-$133.8M
EPS—
Operating cash flow-$133.6M
Financials
Income statement
Revenue$470.7M
Gross profit—
Operating income$46.0k
Net income$3.2M
Margins
Gross margin—
Operating margin0.0%
Net margin0.7%
FCF margin-28.4%
Balance sheet
Total assets$2.48B
Total liabilities$1.76B
Total equity$722.0M
Cash & equivalents$395.9M
Long-term debt—
Cash flow
Operating cash flow-$133.6M
CapEx$115.0k
Free cash flow-$133.8M
SBC$65.3M
P&L flow · revenue → net income
Highlights
- ▍Revenue $470.7M
- ▍Operating income $46.0k
- ▍Net margin 0.7%
ANNUALFiled 2025-12-31
FY 2025 · Full-year highlights
Revenue $1.04B; Operating income $42.6M.
Revenue$1.04B
Operating income$42.6M
Net income$53.6M
Free cash flow-$148.1M
EPS—
Operating cash flow-$147.7M
Financials
Income statement
Revenue$1.04B
Gross profit—
Operating income$42.6M
Net income$53.6M
Margins
Gross margin—
Operating margin4.1%
Net margin5.1%
FCF margin-14.2%
Balance sheet
Total assets$2.97B
Total liabilities$2.18B
Total equity$798.8M
Cash & equivalents$652.4M
Long-term debt—
Cash flow
Operating cash flow-$147.7M
CapEx$347.0k
Free cash flow-$148.1M
SBC$131.9M
P&L flow · revenue → net income
Highlights
- ▍Revenue $1.04B
- ▍Operating income $42.6M
- ▍Net margin 5.1%
ANNUALFiled 2024-12-31
FY 2024 · Full-year highlights
Revenue $636.5M; Operating income -$172.9M.
Revenue$636.5M
Operating income-$172.9M
Net income-$128.6M
Free cash flow$185.5M
EPS—
Operating cash flow$186.3M
Financials
Income statement
Revenue$636.5M
Gross profit—
Operating income-$172.9M
Net income-$128.6M
Margins
Gross margin—
Operating margin-27.2%
Net margin-20.2%
FCF margin29.1%
Balance sheet
Total assets$2.37B
Total liabilities$1.73B
Total equity$633.2M
Cash & equivalents$788.4M
Long-term debt—
Cash flow
Operating cash flow$186.3M
CapEx$837.0k
Free cash flow$185.5M
SBC$133.4M
P&L flow · revenue → net income
Highlights
- ▍Revenue $636.5M
- ▍Operating income -$172.9M
- ▍Net margin -20.2%
ANNUALFiled 2024-12-31
FY 2025 · Full-year highlights
Revenue $636.5M; Operating income -$172.9M.
Revenue$636.5M
Operating income-$172.9M
Net income-$128.6M
Free cash flow$185.5M
EPS—
Operating cash flow$186.3M
Financials
Income statement
Revenue$636.5M
Gross profit—
Operating income-$172.9M
Net income-$128.6M
Margins
Gross margin—
Operating margin-27.2%
Net margin-20.2%
FCF margin29.1%
Balance sheet
Total assets$2.37B
Total liabilities$1.73B
Total equity$633.2M
Cash & equivalents$788.4M
Long-term debt—
Cash flow
Operating cash flow$186.3M
CapEx$837.0k
Free cash flow$185.5M
SBC$133.4M
P&L flow · revenue → net income
Highlights
- ▍Revenue $636.5M
- ▍Operating income -$172.9M
- ▍Net margin -20.2%
ANNUALFiled 2023-12-31
FY 2023 · Full-year highlights
Revenue $513.6M; Operating income -$256.5M.
Revenue$513.6M
Operating income-$256.5M
Net income-$240.1M
Free cash flow-$162.0M
EPS—
Operating cash flow-$160.5M
Financials
Income statement
Revenue$513.6M
Gross profit—
Operating income-$256.5M
Net income-$240.1M
Margins
Gross margin—
Operating margin-50.0%
Net margin-46.8%
FCF margin-31.5%
Balance sheet
Total assets$2.02B
Total liabilities$1.38B
Total equity$635.3M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$160.5M
CapEx$1.5M
Free cash flow-$162.0M
SBC$175.0M
P&L flow · revenue → net income
Highlights
- ▍Revenue $513.6M
- ▍Operating income -$256.5M
- ▍Net margin -46.8%
ANNUALFiled 2023-12-31
FY 2024 · Full-year highlights
Revenue $513.6M; Operating income -$256.5M.
Revenue$513.6M
Operating income-$256.5M
Net income-$240.1M
Free cash flow-$113.2M
EPS—
Operating cash flow-$111.7M
Financials
Income statement
Revenue$513.6M
Gross profit—
Operating income-$256.5M
Net income-$240.1M
Margins
Gross margin—
Operating margin-50.0%
Net margin-46.8%
FCF margin-22.0%
Balance sheet
Total assets$2.02B
Total liabilities$1.38B
Total equity$635.3M
Cash & equivalents$368.4M
Long-term debt—
Cash flow
Operating cash flow-$111.7M
CapEx$1.5M
Free cash flow-$113.2M
SBC$175.0M
P&L flow · revenue → net income
Highlights
- ▍Revenue $513.6M
- ▍Operating income -$256.5M
- ▍Net margin -46.8%
Valuation FY
Market price
$29,51
Market cap
$3.22B
Enterprise valueⓘ
$2.75B
P/Eⓘ
60.1x
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
2.6x
EV / Op incomeⓘ
64.5x
EV / OCFⓘ
—
P / Bⓘ
4.9x
P / Tangible bookⓘ
4.9x
Tangible book
$658.1M
Net cashⓘ
$472.9M
Current ratioⓘ
—
Debt / equityⓘ
—
ROAⓘ
1.8%
ROEⓘ
7.3%
Cash conversionⓘ
-276.0%
CapEx / revenueⓘ
0.0%
SBC / revenueⓘ
12.6%
Dilution ratioⓘ
1.2%
Revenue by segment
Business relationships
Business relationships3 disclosed relationships · 1 type · extracted from filings & disclosures
Subsidiaries3
EX21:23058ac2532aEX21:23058ac2532aSubsidiarie97%
EX21:29c7f0ed245cEX21:29c7f0ed245cSubsidiarie97%
EX21:80dc15be142cEX21:80dc15be142cSubsidiarie97%
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
2,32
Predicted surprise
+0,00
Beat probability
45 %
Analysts
15
Other metrics
Revenue
—
no estimate
Segment revenue
—
no estimate
Margin
—
no estimate
Segment margin
—
no estimate
revision ratio -0,00 · as of 2026-08-03 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 2,32 |
| Revenue | —no estimate | —no estimate | 1,4B USD |
| Operating income | —no estimate | —no estimate | 123,9M USD |
Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution15 analysts
Strong buy2
Buy6
Hold6
Sell1
Strong sell0
12-month price target$39,80 · Median $40,00
Low $20,00High $61,00
Operating income · consensus123,9M USD
EPS surprise
−29,4 %
reported vs consensus · miss
Revenue surprise
−33,2 %
reported vs consensus · miss
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$20,00
Mean$39,80
Median$40,00
High$61,00
Spot$29,51
+34.9 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskMedium
Liquidity riskLow
Filing-based flags
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Op Margin4,1 %Below median
Net Margin5,1 %Bottom quartile
ROE7,3 %Above median
Capex / Rev0,0 %Above P75
D/E0,00Above median
Cash Conv-2,76Bottom quartile
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
Derivative transactions
Net acquired 485 982 sh2 exercises · 5 grants6 insiders
- See Remarks · Employee Stock Option (Right to buy) → Common StockDisposed 4 600 @ $1,35exercise · 2026-05-15
- Director, 10% owner · Employee Stock Option (Right to buy) → Common StockDisposed 835 075 @ $0,83exercise · 2026-05-07
- Chief Financial Officer · Performance-based Restricted Stock Unit → Common StockAcquired 148 006grant · 2026-03-31
- Chief Legal Officer · Performance-based Restricted Stock Unit → Common StockAcquired 74 003grant · 2026-02-28
- Director, Chief Technology Offier · Performance-based Restricted Stock Unit → Common StockAcquired 912 702grant · 2026-02-28
- See Remarks · Performance-based Restricted Stock Unit → Common StockAcquired 185 008grant · 2026-02-28
- See Remarks · Employee Stock Option (Right to buy) → Common StockAcquired 5 938 @ $27,23grant · 2026-02-28
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Market Capmarket_price * shares_outstanding_diluted
Source documents
- Upstart Holdings, Inc. company facts · 2026-08-03
- Upstart Holdings, Inc. 10-Q 2026-05-05 · 2026-08-03
- Upstart Holdings, Inc. 10-K 2026-02-10 · 2026-08-03
- Upstart Holdings, Inc. 10-Q 2025-11-04 · 2026-08-03
- Upstart Holdings, Inc. 10-Q 2025-08-05 · 2026-08-03
- allocator_boost (allocator) on UPST · 2026-08-03
- Upstart Holdings Inc Market data — analyst estimates · 2026-08-03
- Upstart Holdings Inc Market data — ESG · 2026-08-03
- Upstart Holdings, Inc. HA canonical relationships · 2026-08-03
Ownership & reference
Top holders
- Investment Managers · as of 2024-12-310,01 %$27M
- Investment Managers · as of 2026-03-310,01 %$10M
- Investment Managers · as of 2026-03-310,01 %$26M
- Investment Managers · as of 2025-12-310,01 %$353M
- Investment Managers · as of 2026-03-310,00 %$54M
- Investment Managers · as of 2026-03-310,00 %$19M
- Investment Managers · as of 2026-03-310,00 %$17M
- Investment Managers · as of 2026-03-310,00 %$4M
- Institutional Investor · as of 2026-03-310,00 %$7M
- Investment Managers · as of 2026-03-310,00 %$2M
- Brokerage Firms · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$3M
- Institutional Investor · as of 2022-09-300,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
Insider activity
Net buying3 buys · 13 sellsnet $5,2M12 insiders · last 365d
- President, Capital& Enterprise · Common StockSold 15 000 @ $30,41$456K · 2026-06-09
- Director · Common StockOther 6 476 · 2026-05-29
- Director · Common StockOther 6 476 · 2026-05-29
- Director · Common StockOther 6 476 · 2026-05-29
- Director · Common StockOther 6 476 · 2026-05-29
- Director · Common StockOther 6 476 · 2026-05-29
- Director · Common StockOther 6 476 · 2026-05-29
- See Remarks · Common StockSold 974 @ $28,99$28K · 2026-05-26
- President, Capital& Enterprise · Common StockSold 7 985 @ $28,77$230K · 2026-05-20
- Chief Legal Officer · Common StockSold 6 634 @ $28,78$191K · 2026-05-20
- See Remarks · Common StockSold 526 @ $28,77$15K · 2026-05-20
- Chief Financial Officer · Common StockSold 101 @ $30,54$3K · 2026-05-15
- See Remarks · Common StockOther 4 600 @ $1,35$6K · 2026-05-15
- Chief Financial Officer · Common StockSold 2 759 @ $28,96$80K · 2026-05-15
- Chief Financial Officer · Common StockSold 4 184 @ $30,05$126K · 2026-05-15
- Chief Legal Officer · Common StockSold 286 @ $28,84$8K · 2026-05-15
- Chief Legal Officer · Common StockSold 441 @ $29,99$13K · 2026-05-15
- President, Capital& Enterprise · Common StockSold 806 @ $28,96$23K · 2026-05-15
- President, Capital& Enterprise · Common StockSold 1 011 @ $30,03$30K · 2026-05-15
- Director, Chief Executive Officer · Common StockBought 50 000 @ $27,50$1,4M · 2026-05-13
- Director, 10% owner · Common StockOther 835 075 @ $0,83$693K · 2026-05-07
- Director, 10% owner · Common StockBought 169 940 @ $29,37$5,0M · 2026-05-07
- Director, 10% owner · Common StockBought 300 @ $29,76$9K · 2026-05-07
- Chief Financial Officer · Common StockOther 169 427 · 2026-03-31
- See Remarks · Common StockSold 390 @ $26,02$10K · 2026-03-02
Short positioning
26.2Mshares short+1.3% vs prior
7.13days to cover
48.6%short of daily vol
95fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
UPSTCanonical
Nasdaq · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskMedium
Liquidity riskLow
Source documents mention dilution or offering risk.
Relationship graph
This companyPeerSectorSubsidiaries
Evidence & claims
From filings & derived data- Revenue (YoY) (2025-12-31 vs 2024-12-31): 64.0%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 26.2%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 25.7%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 25.5%Derived (calculated)
- Net margin (FY 2025-12-31): 5.1%Derived (calculated)
- Return on equity (FY 2025-12-31): 6.7%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.8%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 2.72xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -58.5%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -17.3%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 138.9%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 131.2%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 141.7%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -179.3%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 124.7%Derived (calculated)
- R&D expense (YoY) (2025-12-31 vs 2024-12-31): 1.6%Derived (calculated)
- Operating cash flow (annual): USD -147.72MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 0SEC XBRL filing
- Total assets (annual): USD 2.97BSEC XBRL filing
- Total liabilities (annual): USD 2.18BSEC XBRL filing
- Net income (annual): USD 53.6MSEC XBRL filing
- Operating income (annual): USD 42.63MSEC XBRL filing
- Total operating expenses (annual): USD 1BSEC XBRL filing
- Cash & equivalents (annual): USD 652.39MSEC XBRL filing
Showing 24 of 48 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-08-04 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-08-04EVENTUpcomingQ2 2026 earnings (expected) estimated date
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
2026-06-09 00:00 UTCINSIDER1 insider transaction — 2026-06 · net sell $456k
2026-06-09INSIDERDatta Sanjay sold 15.0k sh — President, Capital& Enterprise ~$456k
2026-05-29 00:00 UTCINSIDER24 insider transactions — 2026-05 · net buy $6.3M 2 derivative
2026-05-29INSIDERHentges Mary transacted 6.5k sh — Director
2026-05-29INSIDERWennes Timothy H transacted 6.5k sh — Director
2026-05-29INSIDERTerry Hilliard C. III transacted 6.5k sh — Director
2026-05-29INSIDERBernard Peter J transacted 6.5k sh — Director
2026-05-29INSIDERCooper Kerry Whorton transacted 6.5k sh — Director
2026-05-29INSIDERO'Kelly Ciaran transacted 6.5k sh — Director
2026-05-26INSIDERMirgorodskaya Natalia sold 974 sh — See Remarks ~$28k
2026-05-20INSIDERDatta Sanjay sold 8.0k sh — President, Capital& Enterprise ~$230k
2026-05-20INSIDERDarling Scott sold 6.6k sh — Chief Legal Officer ~$191k
2026-05-20INSIDERMirgorodskaya Natalia sold 526 sh — See Remarks ~$15k
2026-05-15INSIDERBlankmeyer Andrea sold 101 sh — Chief Financial Officer ~$3k
2026-05-15INSIDERMirgorodskaya Natalia transacted 4.6k sh — See Remarks ~$6k
2026-05-15INSIDERBlankmeyer Andrea sold 2.8k sh — Chief Financial Officer ~$80k
2026-05-15INSIDERBlankmeyer Andrea sold 4.2k sh — Chief Financial Officer ~$126k
2026-05-15INSIDERDarling Scott sold 286 sh — Chief Legal Officer ~$8k
2026-05-15INSIDERDarling Scott sold 441 sh — Chief Legal Officer ~$13k
2026-05-15INSIDERDatta Sanjay sold 806 sh — President, Capital& Enterprise ~$23k
2026-05-15INSIDERDatta Sanjay sold 1.0k sh — President, Capital& Enterprise ~$30k
2026-05-15INSIDERMirgorodskaya Natalia disposed of 4.6k sh Employee Stock Option (Right to buy) — See Remarks
2026-05-13INSIDERGu Paul bought 50.0k sh — Director, Chief Executive Officer ~$1.38M
2026-05-07INSIDERGirouard Dave transacted 835.1k sh — Director, 10% owner ~$693k
2026-05-07INSIDERGirouard Dave bought 169.9k sh — Director, 10% owner ~$4.99M
2026-05-07INSIDERGirouard Dave bought 300 sh — Director, 10% owner ~$9k
2026-05-07INSIDERGirouard Dave disposed of 835.1k sh Employee Stock Option (Right to buy) — Director, 10% owner
2026-03-31 00:00 UTCINSIDER3 insider transactions — 2026-03 1 derivative
2026-03-31EARNINGSQuarterly results — Q4 2025 Revenue USD 308.2M · Net USD -6.6M
2026-03-31INSIDERBlankmeyer Andrea transacted 169.4k sh — Chief Financial Officer
Showing the 40 most recent of 60 entries.
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data
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