Upstart Holdings Stock Net Income
| UPST Stock | USD 43.17 2.03 4.49% |
As of the 29th of January, Upstart Holdings has the Variance of 17.79, risk adjusted performance of (0.03), and Coefficient Of Variation of (2,149). In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Upstart Holdings, as well as the relationship between them.
Upstart Holdings Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 6.356 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Loss | -115.7 M | -109.9 M | |
| Net Loss | -97.8 M | -92.9 M | |
| Net Loss | -115.7 M | -109.9 M | |
| Net Loss | (1.65) | (1.57) | |
| Net Income Per E B T | 0.90 | 0.71 |
Upstart | Net Income | Build AI portfolio with Upstart Stock |
Latest Upstart Holdings' Net Income Growth Pattern
Below is the plot of the Net Income of Upstart Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Upstart Holdings financial statement analysis. It represents the amount of money remaining after all of Upstart Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Upstart Holdings' Net Loss historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Upstart Holdings' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported (128.58 M) | 10 Years Trend |
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Net Income |
| Timeline |
Upstart Net Income Regression Statistics
| Arithmetic Mean | (38,184,803) | |
| Coefficient Of Variation | (213.01) | |
| Mean Deviation | 60,248,663 | |
| Median | (8,861,000) | |
| Standard Deviation | 81,336,562 | |
| Sample Variance | 6615.6T | |
| Range | 375.6M | |
| R-Value | (0.51) | |
| Mean Square Error | 5206.6T | |
| R-Squared | 0.26 | |
| Significance | 0.04 | |
| Slope | (8,247,297) | |
| Total Sum of Squares | 105850.2T |
Upstart Net Income History
Other Fundumenentals of Upstart Holdings
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Upstart Holdings Net Income component correlations
Upstart Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Upstart Holdings is extremely important. It helps to project a fair market value of Upstart Stock properly, considering its historical fundamentals such as Net Income. Since Upstart Holdings' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Upstart Holdings' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Upstart Holdings' interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Consumer Finance market expansion? Will Upstart introduce new products? Factors like these will boost the valuation of Upstart Holdings. If investors know Upstart will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Upstart Holdings listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 2.091 | Earnings Share 0.26 | Revenue Per Share | Quarterly Revenue Growth 0.653 | Return On Assets |
Investors evaluate Upstart Holdings using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Upstart Holdings' intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Upstart Holdings' market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between Upstart Holdings' value and its price as these two are different measures arrived at by different means. Investors typically determine if Upstart Holdings is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, Upstart Holdings' market price signifies the transaction level at which participants voluntarily complete trades.
Upstart Holdings 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Upstart Holdings' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Upstart Holdings.
| 10/31/2025 |
| 01/29/2026 |
If you would invest 0.00 in Upstart Holdings on October 31, 2025 and sell it all today you would earn a total of 0.00 from holding Upstart Holdings or generate 0.0% return on investment in Upstart Holdings over 90 days. Upstart Holdings is related to or competes with Nelnet, Credit Acceptance, Navient SR, Stonex, Lazard, BGC, and Moelis. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence lending platform ... More
Upstart Holdings Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Upstart Holdings' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Upstart Holdings upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.06) | |||
| Maximum Drawdown | 18.48 | |||
| Value At Risk | (7.77) | |||
| Potential Upside | 6.09 |
Upstart Holdings Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Upstart Holdings' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Upstart Holdings' standard deviation. In reality, there are many statistical measures that can use Upstart Holdings historical prices to predict the future Upstart Holdings' volatility.| Risk Adjusted Performance | (0.03) | |||
| Jensen Alpha | (0.38) | |||
| Total Risk Alpha | (0.58) | |||
| Treynor Ratio | (0.08) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Upstart Holdings' price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Upstart Holdings January 29, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.03) | |||
| Market Risk Adjusted Performance | (0.07) | |||
| Mean Deviation | 3.26 | |||
| Coefficient Of Variation | (2,149) | |||
| Standard Deviation | 4.22 | |||
| Variance | 17.79 | |||
| Information Ratio | (0.06) | |||
| Jensen Alpha | (0.38) | |||
| Total Risk Alpha | (0.58) | |||
| Treynor Ratio | (0.08) | |||
| Maximum Drawdown | 18.48 | |||
| Value At Risk | (7.77) | |||
| Potential Upside | 6.09 | |||
| Skewness | (0.13) | |||
| Kurtosis | (0.01) |
Upstart Holdings Backtested Returns
Upstart Holdings owns Efficiency Ratio (i.e., Sharpe Ratio) of -0.0174, which indicates the firm had a -0.0174 % return per unit of risk over the last 3 months. Upstart Holdings exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please validate Upstart Holdings' Coefficient Of Variation of (2,149), risk adjusted performance of (0.03), and Variance of 17.79 to confirm the risk estimate we provide. The entity has a beta of 2.75, which indicates a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Upstart Holdings will likely underperform. At this point, Upstart Holdings has a negative expected return of -0.0731%. Please make sure to validate Upstart Holdings' value at risk and rate of daily change , to decide if Upstart Holdings performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.54 |
Good reverse predictability
Upstart Holdings has good reverse predictability. Overlapping area represents the amount of predictability between Upstart Holdings time series from 31st of October 2025 to 15th of December 2025 and 15th of December 2025 to 29th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Upstart Holdings price movement. The serial correlation of -0.54 indicates that about 54.0% of current Upstart Holdings price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.54 | |
| Spearman Rank Test | -0.35 | |
| Residual Average | 0.0 | |
| Price Variance | 4.01 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Upstart Holdings reported net income of (128.58 Million). This is 110.07% lower than that of the Consumer Finance sector and 109.42% lower than that of the Financials industry. The net income for all United States stocks is 122.52% higher than that of the company.
Upstart Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Upstart Holdings' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Upstart Holdings could also be used in its relative valuation, which is a method of valuing Upstart Holdings by comparing valuation metrics of similar companies.Upstart Holdings is currently under evaluation in net income category among its peers.
Upstart Holdings Current Valuation Drivers
We derive many important indicators used in calculating different scores of Upstart Holdings from analyzing Upstart Holdings' financial statements. These drivers represent accounts that assess Upstart Holdings' ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Upstart Holdings' important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 11.8B | 1.1B | 3.4B | 5.5B | 5.0B | 5.2B | |
| Enterprise Value | 11.6B | 1.7B | 4.1B | 6.2B | 5.5B | 2.9B |
Upstart Holdings ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Upstart Holdings' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Upstart Holdings' managers, analysts, and investors.Environmental | Governance | Social |
Upstart Holdings Institutional Holders
Institutional Holdings refers to the ownership stake in Upstart Holdings that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Upstart Holdings' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Upstart Holdings' value.| Shares | Bank Of America Corp | 2025-06-30 | 1.3 M | Fred Alger Management, Llc | 2025-06-30 | 1.2 M | Mirae Asset Global Etfs Holdings Ltd. | 2025-06-30 | 1.2 M | Norges Bank | 2025-06-30 | 1 M | Fuller & Thaler Asset Management Inc | 2025-06-30 | 1 M | Squarepoint Ops Llc | 2025-06-30 | 1 M | Altshuler Shaham Ltd | 2025-06-30 | 988 K | Capital Fund Management Sa | 2025-06-30 | 894.1 K | Coatue Management Llc | 2025-06-30 | 870.9 K | Vanguard Group Inc | 2025-06-30 | 8.3 M | Blackrock Inc | 2025-06-30 | 6.8 M |
Upstart Fundamentals
| Return On Equity | 0.0481 | ||||
| Return On Asset | 0.0133 | ||||
| Profit Margin | 0.03 % | ||||
| Operating Margin | 0.11 % | ||||
| Current Valuation | 5.66 B | ||||
| Shares Outstanding | 97.29 M | ||||
| Shares Owned By Insiders | 12.28 % | ||||
| Shares Owned By Institutions | 75.14 % | ||||
| Number Of Shares Shorted | 22.64 M | ||||
| Price To Earning | 17.98 X | ||||
| Price To Book | 5.65 X | ||||
| Price To Sales | 4.21 X | ||||
| Revenue | 676.96 M | ||||
| Gross Profit | 820.61 M | ||||
| EBITDA | (107.85 M) | ||||
| Net Income | (128.58 M) | ||||
| Cash And Equivalents | 683.97 M | ||||
| Cash Per Share | 8.35 X | ||||
| Total Debt | 1.45 B | ||||
| Debt To Equity | 1.42 % | ||||
| Current Ratio | 21.37 X | ||||
| Book Value Per Share | 7.64 X | ||||
| Cash Flow From Operations | 186.33 M | ||||
| Short Ratio | 4.80 X | ||||
| Earnings Per Share | 0.26 X | ||||
| Price To Earnings To Growth | (20.31) X | ||||
| Target Price | 56.64 | ||||
| Number Of Employees | 1.19 K | ||||
| Beta | 2.28 | ||||
| Market Capitalization | 4.2 B | ||||
| Total Asset | 2.37 B | ||||
| Retained Earnings | (411.16 M) | ||||
| Net Asset | 2.37 B |
About Upstart Holdings Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Upstart Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Upstart Holdings using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Upstart Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for Upstart Stock Analysis
When running Upstart Holdings' price analysis, check to measure Upstart Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Upstart Holdings is operating at the current time. Most of Upstart Holdings' value examination focuses on studying past and present price action to predict the probability of Upstart Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Upstart Holdings' price. Additionally, you may evaluate how the addition of Upstart Holdings to your portfolios can decrease your overall portfolio volatility.