UPST
equityUpstart Holdings Inc · NASDAQ NMS - GLOBAL MARKET
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Working it out…
Financials
As each period's own 10-K or 10-Q reported it
At the $24.10 close on Oct 9, 2026, against 97.31M shares and the balance sheet at Jun 30, 2026; earnings, sales and cash flow over the four quarters to Jun 30, 2026. A ratio is left out where its denominator is not positive. Fair value is the company's own median P/E, price to sales and price to free cash flow at its last ten fiscal year ends, applied to its trailing figures, the middle of the three: its valuation against its own past, not against its growth or its rivals.
| Line item | FY 2021 Dec 31, 2021 | FY 2022 Dec 31, 2022 | FY 2023 Dec 31, 2023 | FY 2024 Dec 31, 2024 | FY 2025 Dec 31, 2025 |
|---|---|---|---|---|---|
| Revenue | $848.6M | $842.4M | $513.6M | $636.5M | $1B |
| Gross margin | — | — | — | — | — |
| Operating income | $140.9M | -$113.9M | -$256.5M | -$172.9M | $42.6M |
| Operating margin | 16.6% | -13.5% | -50.0% | -27.2% | 4.1% |
| Net income | $135.4M | -$108.7M | -$240.1M | -$128.6M | $53.6M |
| Net margin | 16.0% | -12.9% | -46.8% | -20.2% | 5.1% |
| EPS (diluted) | $1.43 | -$1.31 | -$2.87 | -$1.44 | $0.45 |
| Operating cash flow | $168.4M | -$674.7M | -$160.5M | $186.3M | -$147.7M |
| Capital spending | $8.4M | $8.8M | $1.5M | $837K | $347K |
| Free cash flow | $159.9M | -$683.5M | -$162M | $185.5M | -$148.1M |
| Buybacks | $0 | $177.9M | $0 | $0 | — |
| Dividends paid | — | — | — | — | — |
| Cash | $1.2B | $532.5M | $467.8M | $788.4M | $652.4M |
| Debt | — | — | — | — | — |
| Shareholders' equity | $807.1M | $672.4M | $635.3M | $633.2M | $798.8M |
| Shares outstanding | 83.66M | 81.26M | 86.33M | 93.47M | 98.03M |
Figures come from the company's XBRL filings as the SEC publishes them. Quarters are worked out from year-to-date figures, and a fourth quarter is the year less its first nine months, which is why it has no EPS: per-share figures do not subtract. Earlier years are on today's share basis where a split has happened since. A later restatement is not mixed into a year it was never applied to, so where a 10-K restated the year before — a business sold, say — that year's fourth quarter is left blank rather than worked out across two bases. A dash means the company did not report that line under a standard tag for that period. Every filing on EDGAR.
Short interest
Shares sold short, as brokers report them to FINRA twice a month
| Settlement date | Shares short | Change | Days to cover |
|---|---|---|---|
| Sep 30, 2026 | 28.57M | +3.3% | 6.2 |
| Sep 15, 2026 | 27.65M | +6.6% | 6.9 |
| Aug 31, 2026 | 25.95M | +4.7% | 6.2 |
| Aug 14, 2026 | 24.78M | -1.8% | 4.7 |
| Jul 31, 2026 | 25.22M | -3.6% | 7.3 |
| Jul 15, 2026 | 26.18M | +1.3% | 7.1 |
| Jun 30, 2026 | 25.84M | -3.7% | 5.6 |
| Jun 15, 2026 | 26.83M | -3.0% | 5.7 |
Largest fails to deliver, the last year
116 settlement days with at least $10,000 of shares sold and not delivered
| Settlement date | Shares | Value |
|---|---|---|
| Nov 21, 2025 | 489.44K | $17.4M |
| Nov 3, 2025 | 345.96K | $16.4M |
| Nov 7, 2025 | 412.36K | $15.6M |
| Oct 14, 2025 | 310.17K | $15.4M |
| Feb 23, 2026 | 505.22K | $14.8M |
Short interest is every broker's short position at the settlement date, reported to FINRA and published about a week and a half later; it does not say who is short. Days to cover is the short position over the average day's trading, and the share of the company is against the shares outstanding on its latest filing. A fail to deliver is the balance of shares sold and not delivered by settlement, from the SEC: it can be a short seller who never borrowed the stock, but is as often a late delivery that clears within days.
More on UPST
Who traded it
Most active first
| Member | Buys | Sells |
|---|---|---|
| Thomas SuozziNY-03 · house | 2 | 2 |
Every disclosure
4 in total, newest first
| Member | Amount |
|---|---|
| Thomas SuozziNY · housesell | $1K – $15K |
| Thomas SuozziNY · housesell | $1K – $15K |
| Thomas SuozziNY · housebuy | $15K – $50K |
| Thomas SuozziNY · housebuy | $15K – $50K |
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