Upstart Holdings (UPST)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from UPST's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Upstart Holdings's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $801M | $907M | $514M | $637M | $1.0B |
| Net income | $135M | -$109M | -$240M | -$129M | $54M |
| Free cash flow | $153M | -$681M | -$124M | $176M | -$166M |
| EPS (diluted) | $1.43 | -$1.31 | -$2.87 | -$1.44 | $0.45 |
| Operating margin | 17.6% | -12.6% | -50.0% | -27.2% | 4.1% |
Where the revenue comes from
Revenue by products, fiscal 2022. Every breakdown, year by year.
Superinvestors who own UPST
From each investor's latest 13F filing (what a 13F shows).
Insider buying
Open-market purchases by Upstart Holdings's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Sep 10, 2026 | Paul Gu Chief Executive Officer |
50,000 | $25.55 | $1M |
| Nov 11, 2025 | Paul Gu |
100,000 | $39.23 | $4M |
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In the full deep dive
Questions
Are Upstart Holdings insiders buying the stock?
2 open-market insider purchases of UPST in the last 12 months, from SEC Form 4 filings.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.