Upstart Holdings, Inc.
NASDAQCapital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
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in mil. unless spec.- CEO
- Paul Gu
- Full Time Employees
- 1,405
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Address
- 2950 South Delaware Street San Mateo CA United States of America 94403
- IPO Date
- Dec 16, 2020
- CIK
- 0001647639
- Website
- upstart.com
- Similar Companies
- Business
- Upstart Holdings, Inc. (NASDAQ: UPST) operates a cloud-based artificial intelligence lending platform that connects consumers with banks, credit unions, and institutional investors for consumer credit products including personal loans ranging from $1,000 to $75,000; automotive retail, refinance, and auto-secured personal loans with average monthly savings of $127; home equity lines of credit (HELOCs) from $26,000 to $250,000 offered through Upstart Mortgage; and small dollar short-term loans from $200 to $2,500 for everyday expenses; the platform leverages advanced AI models trained on over 98 million repayment events to underwrite loans using non-traditional variables such as education and employment, enabling higher approval rates, lower default risks, and automated processing for 92% of loans. Founded in 2012 and headquartered in San Mateo, California, the company serves the U.S. market through three segments—Personal Lending, Auto Lending, and Other—partnering with more than 100 banks and credit unions to originate loans via Upstart.com, lender-branded sites, and auto dealerships powered by Upstart Auto Retail software. Recent developments include adding seven new bank and credit union partners in Q3 2025 for record monthly funding capacity; securing 17 third-party funding agreements including nine in Q3 to scale secured products like auto and home equity; renewing major institutional partnerships with 100% private credit retention and executing an asset-backed securities deal with 30 investors; launching enhancements such as hybrid auto-secured personal loans, multimodal AI for document verification, and calibration tools reducing conversion variability by 50%; and projecting full-year 2025 revenue of $1.035 billion with GAAP net income of $50 million amid 71% year-over-year Q3 revenue growth.
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