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Upstart UPST

US equityMarket cap rank #2665Credit Services
$24.35 +$1.54 (+6.75%)
Pre-market · Oct 6, 5:50 am ET · After hours $24.36 +0.04%
Open$22.94
Prev close$22.81
Day range$22.72 – $24.45
Volume6.21M
Market cap$2.37B
P/E (TTM)46.8
Dividend yield–

Earnings

Average move on report day±21.2%last 16 reports
Closed higher5 of 1631% of the time
Best reaction+46.0%
Worst reaction-34.2%

Stock move on the day after each report

-27.3%2023/Q3-19.6%2023/Q4-5.6%2024/Q1+39.5%2024/Q2+46.0%2024/Q3+31.8%2024/Q4-9.6%2025/Q1-18.7%2025/Q2-9.7%2025/Q3-15.0%2025/Q4-7.9%2026/Q1-0.4%2026/Q2
QuarterReport dateTimingImplied moveActual moveVersus implied
2026/Q24 Aug 2026After Market±12.6%-0.40%Within range
2026/Q15 May 2026After Market±14.2%-7.92%Within range
2025/Q410 Feb 2026After Market±16.2%-15.04%Within range
2025/Q34 Nov 2025After Market±16.1%-9.71%Within range
2025/Q25 Aug 2025After Market±18.4%-18.74%Bigger than priced
2025/Q16 May 2025After Market±19.9%-9.65%Within range
2024/Q411 Feb 2025After Market±21.3%+31.82%Bigger than priced
2024/Q37 Nov 2024After Market±21.6%+46.02%Bigger than priced
2024/Q26 Aug 2024After Market±18.5%+39.51%Bigger than priced
2024/Q17 May 2024After Market±21.1%-5.56%Within range
2023/Q413 Feb 2024After Market±23.1%-19.62%Within range
2023/Q37 Nov 2023After Market±23.4%-27.30%Bigger than priced
2023/Q28 Aug 2023After Market±21.6%-34.24%Bigger than priced
2023/Q19 May 2023After Market±20.7%+34.63%Bigger than priced
2022/Q414 Feb 2023After Market±24.7%+28.13%Bigger than priced
2022/Q38 Nov 2022After Market±21.8%-10.40%Within range

"Implied move" is the size of move the options market was pricing ahead of the report. Move is the stock’s change on the first session after the release.

Where the revenue comes from

Quarter 2026/Q2

By business line

  • Platform and referral fees, net$284.07M 70.1%
  • Interest income$57.05M 14.1%
  • Servicing and other fees, net$54.81M 13.5%
  • Loan sales fees$9.15M 2.3%

Fundamentals

Full statements →

Latest reported quarter: Q2, ended Jun 2026

Revenue$364.71M+41.7% YoY
Net profit$16.54M+195.0% YoY
Diluted EPS$0.16+220.0% YoY

Revenue, last 8 quarters

$162.1MSep '24$211.3MDec '24$213.4MMar '25$257.3MJun '25$277.1MSep '25$276.2MDec '25$308.2MMar '26$364.7MJun '26

Net profit, last 8 quarters

$-6.8MSep '24$-2.8MDec '24$-2.4MMar '25$5.6MJun '25$31.8MSep '25$18.6MDec '25$-6.6MMar '26$16.5MJun '26

Profitability & balance sheet

Net margin4.9%
Return on equity7.9%
Return on assets2.1%

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