TenQ · fact sheet · filings current to · price as of
Upstart (UPST)
The business itself is the question here - 5 of 36 checks passed.
Latest close : $28.05, -1.6% on the day; -59.3% from the 52-week high. Refreshed every trading night.
Full analysis: report · all charts. Financial statements are computed from SEC EDGAR XBRL filings, current to . The share price and everything built on it (market cap, multiples, yields, the Value and Trend checks) are refreshed every trading night; this page shows the close of . Not investment advice.
Key figures
| Share price (delayed close) | $28.05 |
| Market cap | $2.7B |
| 52-week range | $24.22 - $68.92 |
| P/E | 50.0x |
| P/E, own 2-year median | - |
| P/S | 2.2x |
| Free cash flow yield | -10.6% |
| Dividend yield | - |
| Revenue (TTM) | $1.2B |
| Net income (TTM) | $60M |
| Free cash flow (TTM) | $-289M |
| Gross margin | - |
| Operating margin | 4.0% |
| Return on equity | 7.6% |
| Revenue growth (1y) | +46.3% |
| Revenue CAGR (3y) | +4.8% |
| Debt / equity | - |
| Cash & short-term investments | $456M |
| Shares outstanding | 97.3m (cover page of the latest filing, 2026-07-28) |
The score: 5 of 36 checks passed
Six chapters, six pass/fail checks each. Five are computed from the filings; Trend is price behaviour, and says so.
Is UPST stock cheap or expensive right now?
Value · 0 of 6 checks passed. Expensive against its own history and its sector - you're paying up for what you get. chapter →
Is Upstart still growing?
Growth · 4 of 6 checks passed. Growing, but with caveats - revenue +46.3% over the last year. chapter →
Does Upstart make real money?
Quality · 1 of 6 checks passed. Profitability is thin or negative - the growth isn't turning into money yet. chapter →
Can Upstart survive a bad year?
Health · 0 of 6 checks passed. The balance sheet carries real risk - read the checks before anything else. chapter →
What does Upstart hand back to shareholders?
Shareholder returns · 0 of 6 checks passed. UPST returns nothing to owners yet, and the share count keeps rising - every dollar stays in the business. chapter →
Which way is UPST trending?
Trend analysis · 0 of 6 checks passed. The market is voting against it right now - a falling trend on most measures. chapter →
Are insiders buying or selling UPST?
Open-market buys: $6M · sells: $3M, across the recent Form 4 filings. detail →
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Method: figures computed deterministically from SEC EDGAR XBRL (companyfacts, frames, financial-statement-and-notes datasets, Form 4); prices delayed end-of-day. Scores count transparent pass/fail checks. Missing data is shown as missing, never estimated. Last changed . © TenQ - cite with a link to this page.