Upstart Holdings, Inc.· UPST

🇺🇸 US · MidBroad USNASDAQ

Financial Services Financial - Credit Services Website

Price: $25.00
Day: +0.93%
Mkt Cap: $2.39B
52W Range: $23.97 – $71.38
Volume: 6.34M
Beta: 2.17

D25D FrameworkTTM Data

Peer Comparison

Performance vs sector and industry peers across 40 metrics.

Peer Comparison: 2.8 / 5 (Adequate) against 155 sector peers in United States · Mid Cap · Financial Services
Pillars: strongest Top Line Growth 5.0, weakest Margin Efficiency 1.0 (9 of 10 ranked)
Ranks: ROIC 40th percentile, operating margin 10th percentile

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Upstart Holdings, Inc.

UPST|Financial Services|Financial - Credit Services

Comparing against 155 sector peers in United States · Mid Cap · Financial Services

Peer Comparison

Dimension 2 of 5

Revenue Growth

90%ile

45.3%

Operating Margin

10%ile

4.8%

ROIC

40%ile

2.0%

FCF Yield

6%ile

-12.5%

Growth & Cash Flow Quality

Percentile ranking across profitability growth and cash generation

EBITDA Growth

438.2%

EBIT Growth

N/A

Net Income Growth

N/A

OCF Growth

335.4%

FCF Growth

263.3%

Income Quality

-4.71

Returns on Capital (TTM)

ROE(7.8%)

17%ile

Bottom 20%

PoorWeakAdequateStrongExceptional

ROCE(2.0%)

38%ile

Below Avg

PoorWeakAdequateStrongExceptional

ROA(1.9%)

60%ile

Above Avg

PoorWeakAdequateStrongExceptional

ROIC(2.0%)

40%ile

Below Avg

PoorWeakAdequateStrongExceptional

Profit Margins (TTM)

Gross Margin(N/A)

N/A

PoorWeakAdequateStrongExceptional

EBITDA Margin(6.8%)

11%ile

Bottom 20%

PoorWeakAdequateStrongExceptional

Operating Margin(4.8%)

10%ile

Bottom 20%

PoorWeakAdequateStrongExceptional

Net Margin(4.7%)

10%ile

Bottom 20%

PoorWeakAdequateStrongExceptional

Leverage & Coverage (TTM)

Debt/Equity

11%ile

2.54

Debt/Capital

10%ile

0.72

Net Debt/EBITDA

7%ile

18.0

Interest Coverage

40%ile

1.03x

Liquidity (TTM)

Current Ratio

90%ile

14.1

Quick Ratio

90%ile

14.1

Cash Ratio

91%ile

6.55

WC Turnover

70%ile

1.59

Operational Efficiency (TTM)

Asset Turnover

83%ile

0.41

DSO

75%ile

16.5

Days Inventory

52%ile

0.00

Cash Conv. Cycle

N/A

TTM: Trailing Twelve Months · EBITDA: Earnings Before Interest, Taxes, Depreciation & Amortization · EBIT: Earnings Before Interest & Taxes · ROA: Return on Assets · ROIC: Return on Invested Capital · ROCE: Return on Capital Employed · ROE: Return on Equity · OCF: Operating Cash Flow · FCF: Free Cash Flow · DSO: Days Sales Outstanding · WC: Working Capital

See the complete picture

The full 5D Framework: Business Quality · Peer Comparison · Valuation · Analyst Sentiment · Smart Money

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Generated September 19, 2026

For educational purposes only. Not financial advice. Data may be delayed or incomplete.

155 sector peers (United States · Mid Cap · Financial Services)

Relative Quality

UPST Relative Quality Score

Ranked against 155 sector peers in United States · Mid Cap · Financial Services

Relative Quality

2.8/5

Adequate

vs 155 sector peers

Peer Rankings (9 of 10 available)

Relative Quality Score of 2.81/5 (Adequate) based on percentile rankings against 155 sector peers in United States · Mid Cap · Financial Services. Each pillar shows a 1-5 score plus the cohort percentile (e.g. 95p = top 5%); higher percentiles indicate stronger relative performance.Last updated September 18, 2026.

Top-Line and Profit Growth

How does the company's growth rate compare to peers?

Revenue Growth

90th percentile, Exceptional

Value: 45.33%
Percentile: 90%
Score: 5/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm revenue growth of 45.33% and ranks at the 90th percentile vs United States · Financial Services sector peers. Top-tier financial performance.

Margin Efficiency

Does the company maintain better profit margins than peers?

No data for Gross Margin is available for UPST, so peer comparison is hidden for this metric. Try another metric.

Operational Efficiency

Is the company more operationally efficient than competitors?

Asset Turnover

83rd percentile, Exceptional

Value: 0.41
Percentile: 83%
Score: 5/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm asset turnover of 0.41 and ranks at the 83rd percentile vs United States · Financial Services sector peers. Top-tier financial performance.

Returns Overview

Does the company generate better returns on capital than peers?

ROA

60th percentile, Strong

Value: 1.90%
Percentile: 60%
Score: 4/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm roa of 1.90% and ranks at the 60th percentile vs United States · Financial Services sector peers. Strong financial performance.

Cash Flow Quality

How does the company's cash generation compare to peers?

Operating Cash Flow Growth

96th percentile, Exceptional

Value: 335.36%
Percentile: 96%
Score: 5/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm operating cash flow growth of 335.36% and ranks at the 96th percentile vs United States · Financial Services sector peers. Top-tier financial performance.

Liquidity and Working Capital

Does the company maintain better liquidity positions than competitors?

Cash Ratio

91st percentile, Exceptional

Value: 6.55
Percentile: 91%
Score: 5/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm cash ratio of 6.55 and ranks at the 91st percentile vs United States · Financial Services sector peers. Top-tier financial performance.

Leverage and Coverage

Is the company's debt burden more manageable than peers?

Debt to Capital

10th percentile, Poor

Value: 0.72
Percentile: 10%
Score: 1/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm debt-to-capital of 0.72 and ranks at the 10th percentile vs United States · Financial Services sector peers. Poor financial performance.

Valuation Multiples

Is the company's stock valuation attractive relative to peers?

P / E Ratio

4th percentile, Poor

Value: 39.86
Percentile: 4%
Score: 1/5

PoorWeakAdequateStrongExceptional

Analysis

UPST has a ttm p/e ratio of 39.86 and ranks at the 4th percentile vs United States · Financial Services sector peers. Poor financial performance.

Dividend and Shareholder Yield

Does the company deliver superior income to shareholders compared to peers?

No data for Dividend Yield is available for UPST, so peer comparison is hidden for this metric. Try another metric.

Peer companies

The 154 companies UPST is compared against across its sector and industry cohorts.

Upstart Holdings, Inc.· UPST

Peer Comparison

Top-Line and Profit Growth

Per-Share Fundamentals

Margin Efficiency

Operational Efficiency

Returns Overview

Cash Flow Quality

Liquidity and Working Capital

Leverage and Coverage

Valuation Multiples

Dividend and Shareholder Yield

Peer companies

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Peer Comparison

Top-Line and Profit Growth

Per-Share Fundamentals

Margin Efficiency

Operational Efficiency

Returns Overview

Cash Flow Quality

Liquidity and Working Capital

Leverage and Coverage

Valuation Multiples

Dividend and Shareholder Yield

Peer companies