UPST | Ticker Profile - Titan Protect

UPST

Upstart Holdings, Inc.

Financial Services · Credit Services · NMS

$29.74

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.9B

Total market value of the company

Trailing P/E

74.93

Expensive — high growth expected

Forward P/E

9.05

Based on estimated future earnings — lower means cheaper

Rev Growth

+44.6%

Year-over-year revenue change

Profit Margin

4.2%

How much profit the company keeps from each dollar of revenue

ROE

7.0%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$37.00

+24% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 15 analysts covering this stock

About Upstart Holdings, Inc.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

https://www.upstart.com

Country: United States Employees: 1,405 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.614

Good returns relative to risk taken

Kelly Fraction

0.0510

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.255

Drawdown risk outweighs the returns — higher risk profile

Annual Return

18.5%

Historical annualised return based on price data

Max Drawdown

-72.7%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

203

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

2.26

Significantly more volatile than the market

52W High

$87.30

66% below the year high

52W Low

$23.97

24% above the year low

Avg Volume

4,825,550

Average daily shares traded — higher means easier to buy and sell

Short Ratio

5.3

Days it would take all short sellers to cover — higher means more crowded

Short % Float

32.0%

Very high short interest — potential squeeze candidate

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$0.41

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

269.84

Heavy leverage — higher financial risk if revenues decline

Current Ratio

11.65

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

2.84

Like current ratio but excludes inventory — stricter test

Gross Margin

82.7%

Revenue left after cost of goods — higher means pricing power

Operating Margin

0.9%

Profit from core operations before interest and tax

Free Cash Flow

$-312,582,368

Negative — the business is spending more than it generates

Revenue (TTM)

$1.2B

Total revenue over the last 12 months

Net Income

$49M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$80.00

Target Median

$37.00

Target Low

$20.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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