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Upstart Holdings, Inc. (UPST) Stock Grade

UPST · Financial Services

A-
Grade updated: September 29, 2026
Computed by the GradeMyInvestments scoring model from revenue growth, profitability, balance-sheet strength, and analyst targets.
Market Cap
$2.2B
P/E Ratio
78.4
Revenue Growth (YoY)
+58.9%
Net Margin
5.0%
Return on Equity
6.7%
Dividend Yield
None

About Upstart Holdings, Inc.'s fundamentals

Upstart Holdings is a financial services company with a market capitalization of $2.2 billion that has demonstrated strong top-line growth, with revenue increasing 58.9% year-over-year. However, the company trades at a notably elevated valuation with a P/E ratio of 78.4, while profitability remains modest at a 5.0% net margin. Return on equity stands at 6.7%, indicating relatively low efficiency in generating returns from shareholder capital, and the company does not pay a dividend.

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