What one share of Upstart Holdings holds
Upstart is the leading artificial intelligence (“AI”) lending marketplace. We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process.
Upstart Holdings’s numbers from its SEC filings, divided by its shares. Results cover the last 12 months to 2026-06-30; the balance sheet is as of 2026-06-30.
| Sales | $11.69 |
|---|---|
| Profit | $0.52 |
| Capex (buildings and equipment) | $0.05 |
| Free cash flow | −$2.71 |
| Cash and investments | $4.69 |
| Debt | $20.59 |
| Book value | $8.20 |
Per share by fiscal year
| Year | Sales | Profit | Capex | Free cash | Dividends | Book value |
|---|---|---|---|---|---|---|
| 2019 | $11.45 | −$0.03 | $0.28 | $1.92 | — | −$4.30 |
| 2020 | $13.33 | $0.00 | $0.08 | $0.82 | — | — |
| 2021 | $8.95 | $1.43 | $0.09 | $1.69 | — | $9.65 |
| 2022 | $10.18 | −$1.31 | $0.11 | −$8.05 | — | $8.28 |
| 2023 | $6.13 | −$2.87 | $0.02 | −$1.35 | — | $7.36 |
| 2024 | $7.12 | −$1.44 | $0.01 | $2.07 | — | $6.77 |
| 2025 | $9.71 | $0.45 | $0.00 | −$1.38 | — | $8.15 |
Common questions about Upstart Holdings
How much does one share of Upstart Holdings earn?
Over the last 12 months, each share of Upstart Holdings earned $0.52 of profit on $11.69 of sales, keeping about 4¢ of every $1 (profit margin).
Does Upstart Holdings pay a dividend?
Upstart Holdings didn’t pay a dividend over the last 12 months, according to its SEC filings.
What is Upstart Holdings’s book value per share?
Upstart Holdings’s book value is $8.20 per share: what would be left for each share if it sold everything at the values on its books and paid every debt, as of June 30, 2026.
How much cash and debt does each share of Upstart Holdings have?
Each share of Upstart Holdings has $4.69 of cash and investments and $20.59 of debt, as of June 30, 2026.
What is Upstart Holdings’s free cash flow per share?
−$2.71 per share over the last 12 months. Free cash flow is the cash left over after spending on buildings and equipment.
Has Upstart Holdings bought back shares?
Upstart Holdings’s share count rose about 650% from 2019 to 2025. That dilution means each share owns a smaller slice of the company.
From its SEC filings. For education only, not investment advice. New to these words? See the StockSlicer glossary.