855.F
Upstart Holdings, Inc.
FrankfurtEUREQUITY
Financial Services
DELAYED
Last price
25.41
▲ 0.88 (3.57%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
25.34
Prev close
24.53
Day high
25.41
Day low
25.21
Volume
325
Market cap
$2.47B
P/E (TTM)
57.74
52W range
20.73 – 64.00
Day trading desk
Gap from prior close
+3.32%
Prior close 24.53
VWAP
25.41
0.00% from price
Relative volume
1.37×
Normal
Session range
0.79%
25.20 – 25.41
Position in range
100%
Near session high
ATR (14D)
1.27
5.01% of price
Prior day high
24.53
PDH
Prior day low
24.28
PDL
Bid / ask spread
—
Quote not published
Session volume
325
Avg 238
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-1.80%
-0.6%
1M
+4.42%
+1.1%
3M
-2.66%
-5.1%
6M
+8.11%
-3.8%
YTD
-34.05%
-46.0%
1Y
-56.20%
-76.3%
3Y
-14.24%
-89.3%
5Y
-88.71%
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on 855.F open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
12.43M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 20, 26 | DARLING SCOTT L Officer |
SELL | 7.70K | $216.22K | Direct |
| Aug 20, 26 | MIRGORODSKAYA NATALIA Officer |
SELL | 586 | $16.46K | Direct |
| Aug 20, 26 | DATTA SANJAY Officer |
SELL | 18.95K | $565.93K | Direct |
| Aug 19, 26 | BLANKMEYER ANDREA Chief Financial Officer |
SELL | 10.18K | $298.64K | Direct |
| Aug 17, 26 | DARLING SCOTT L Officer |
SELL | 814 | $23.90K | Direct |
| Aug 17, 26 | DATTA SANJAY Officer |
SELL | 2.03K | $59.68K | Direct |
| Jun 9, 26 | DATTA SANJAY Officer |
SELL | 15.00K | $456.12K | Direct |
| May 29, 26 | BERNARD PETER Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | HENTGES MARY M. Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | O'KELLY CIARAN Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | WENNES TIMOTHY H Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | TERRY HILLIARD C III Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | COOPER KERRY WHORTON Director |
STOCK | 6.48K | $0 | Direct |
| May 26, 26 | MIRGORODSKAYA NATALIA Officer |
SELL | 974 | $28.24K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BLANKMEYER ANDREA |
Chief Financial Officer | 152.21K | Sale |
COOPER KERRY WHORTON |
Director | 36.18K | Stock Award(Grant) |
DARLING SCOTT L |
Officer | 119.92K | Sale |
DATTA SANJAY |
Officer | 292.58K | Sale |
GIROUARD DAVID |
Director and Beneficial Owner of more than 10% of a Class of Security | — | Conversion of Exercise of derivative security |
GU PAUL |
Chief Executive Officer | — | Purchase |
HENTGES MARY M. |
Director | 37.15K | Stock Award(Grant) |
MIRGORODSKAYA NATALIA |
Officer | 36.79K | Sale |
O'KELLY CIARAN |
Director | 39.48K | Stock Award(Grant) |
TERRY HILLIARD C III |
Director | 37.43K | Stock Award(Grant) |
Fundamentals
Market cap$2.47B
Enterprise value$3.99B
Revenue (TTM)$1.29B
Gross profit$1.07B
EBITDA$115.06M
Net income$60.33M
EPS (TTM)$0.44
Free cash flow$-132.38M
Total cash$457.84M
Total debt$2.06B
Book value / share$7.02
Shares outstanding97.31M
Float83.80M
Short % of float—
Dividend yield—
Beta (5Y)2.17
Valuation & profitability ratios
Trailing P/E57.74
Forward P/E14.77
PEG ratio—
Price / sales—
Price / book3.62
EV / revenue3.10
EV / EBITDA34.65
Gross margin83.04%
Operating margin7.20%
Profit margin4.69%
Return on equity7.94%
Return on assets1.98%
Debt / equity258.01
Current ratio10.46
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.02B | $628.83M | $508.12M | $837.76M | +62.8% |
| Operating revenue | $1.02B | $628.83M | $508.12M | $837.76M | +62.8% |
| Selling, general & admin | $743.62M | $555.73M | $489.95M | $719.06M | +33.8% |
| Pre-tax income | $54.33M | -$128.40M | -$240.03M | -$109.07M | +142.3% |
| Tax provision | $728.00K | $185.00K | $107.00K | -$409.00K | +293.5% |
| Net income | $53.60M | -$128.58M | -$240.13M | -$108.67M | +141.7% |
| Net income to common | $53.60M | -$128.58M | -$240.13M | -$108.67M | +141.7% |
| Basic EPS | 0.56 | -1.44 | -2.87 | -1.31 | +138.9% |
| Diluted EPS | 0.45 | -1.44 | -2.87 | -1.31 | +131.3% |
| Basic shares | 96.03M | 89.45M | 83.77M | 82.77M | +7.4% |
| Diluted shares | 107.49M | 89.45M | 83.77M | 82.77M | +20.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $657.45M | $793.61M | $377.32M | $432.41M | — | -17.2% |
| Accounts receivable | — | $48.23M | $40.49M | $46.65M | $55.52M | — |
| Property, plant & equipment | $60.58M | $82.47M | $97.35M | $130.50M | — | -26.5% |
| Goodwill & intangibles | $75.35M | $76.49M | $78.42M | $82.69M | — | -1.5% |
| Total assets | $2.97B | $2.37B | $2.02B | $1.94B | — | +25.7% |
| Current debt | $97.33M | $195.60M | $387.43M | $336.45M | — | -50.2% |
| Long-term debt | $1.73B | $1.21B | $653.00M | $649.94M | — | +43.5% |
| Total debt | $1.85B | $1.45B | $1.10B | $1.09B | — | +27.4% |
| Total liabilities | $2.18B | $1.73B | $1.38B | $1.26B | — | +25.5% |
| Retained earnings | -$357.56M | -$411.16M | -$282.58M | -$42.44M | — | +13.0% |
| Shareholder equity | $798.82M | $633.22M | $635.30M | $672.43M | — | +26.2% |
| Net tangible assets | $723.46M | $556.73M | $556.89M | $589.74M | — | +29.9% |
| Shares issued | 98.03M | 93.47M | 86.33M | 81.26M | — | +4.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $53.60M | -$128.58M | -$240.13M | -$108.67M | — | +141.7% |
| Depreciation & amortisation | $24.84M | $20.55M | $24.90M | $13.51M | — | +20.9% |
| Stock-based compensation | $131.95M | $133.40M | $175.04M | $125.94M | — | -1.1% |
| Change in working capital | $26.64M | $34.63M | -$19.71M | -$5.04M | — | -23.1% |
| Operating cash flow | -$147.72M | $186.33M | -$111.71M | -$657.86M | — | -179.3% |
| Capital expenditure | -$18.41M | -$9.99M | -$12.09M | -$22.91M | — | -84.3% |
| Investing cash flow | -$177.17M | -$237.73M | -$118.45M | -$114.13M | — | +25.5% |
| Share buybacks | — | $0 | $0 | -$177.88M | $0 | — |
| Financing cash flow | $405.64M | $559.87M | $165.49M | $113.21M | — | -27.5% |
| Free cash flow | -$166.13M | $176.34M | -$123.80M | -$680.77M | — | -194.2% |
| End cash position | $1.06B | $976.26M | $467.79M | $532.47M | — | +8.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $364.71M | $308.21M | $276.22M | $277.11M | $257.29M | — | +18.3% |
| Operating revenue | $364.71M | $308.21M | $276.22M | $277.11M | $257.29M | — | +18.3% |
| Selling, general & admin | $256.21M | $235.62M | $210.26M | $189.41M | $183.92M | — | +8.7% |
| Pre-tax income | $17.15M | -$6.56M | $19.16M | $31.93M | $5.66M | — | +361.4% |
| Tax provision | $614.00K | $84.00K | $526.00K | $124.00K | $49.00K | — | +631.0% |
| Net income | $16.54M | -$6.65M | $18.64M | $31.80M | $5.61M | — | +348.9% |
| Net income to common | $16.54M | -$6.65M | $18.64M | $31.80M | $5.61M | — | +348.9% |
| Basic EPS | 0.17 | -0.07 | 0.19 | — | 0.06 | -0.03 | +342.9% |
| Diluted EPS | 0.16 | -0.07 | 0.17 | — | 0.05 | -0.03 | +328.6% |
| Basic shares | 96.57M | 96.90M | 97.59M | — | 95.53M | 94.27M | -0.3% |
| Diluted shares | 109.72M | 96.90M | 112.22M | — | 102.85M | 94.27M | +13.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $457.74M | $474.55M | $657.45M | $494.89M | $400.56M | — | -3.5% |
| Accounts receivable | — | — | — | $43.52M | $44.68M | $43.01M | — |
| Property, plant & equipment | $68.20M | $61.61M | $60.58M | $78.91M | $81.56M | — | +10.7% |
| Goodwill & intangibles | $74.78M | $75.07M | $75.35M | $75.64M | $75.92M | — | -0.4% |
| Total assets | $3.17B | $2.96B | $2.97B | $2.90B | $2.48B | — | +7.1% |
| Current debt | $251.76M | $183.31M | $97.33M | $140.52M | $189.54M | — | +37.3% |
| Long-term debt | $1.75B | $1.74B | $1.73B | $1.72B | $1.24B | — | +0.7% |
| Total debt | $2.03B | $1.94B | $1.85B | $1.90B | $1.47B | — | +4.4% |
| Total liabilities | $2.37B | $2.23B | $2.18B | $2.16B | $1.76B | — | +6.5% |
| Retained earnings | -$347.66M | -$364.20M | -$357.56M | -$376.19M | -$408.00M | — | +4.5% |
| Shareholder equity | $797.49M | $733.17M | $798.82M | $743.72M | $722.01M | — | +8.8% |
| Net tangible assets | $722.71M | $658.10M | $723.46M | $668.08M | $646.09M | — | +9.8% |
| Shares issued | 97.31M | 95.71M | 98.03M | 97.28M | 96.09M | — | +1.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $16.54M | -$6.65M | $18.64M | $31.80M | $5.61M | — | +348.9% |
| Depreciation & amortisation | $7.13M | $5.86M | $6.46M | $6.13M | $5.84M | — | +21.6% |
| Stock-based compensation | $44.47M | $34.81M | $32.45M | $34.16M | $35.51M | — | +27.7% |
| Change in working capital | $28.43M | -$44.87M | $44.69M | -$13.96M | $38.61M | — | +163.4% |
| Operating cash flow | -$136.63M | -$133.30M | $108.55M | -$122.63M | -$120.16M | — | -2.5% |
| Capital expenditure | -$6.25M | -$6.99M | -$3.92M | -$3.96M | -$4.37M | — | +10.6% |
| Investing cash flow | $94.08M | $876.00K | $131.74M | -$120.51M | -$109.83M | — | +10,640.0% |
| Share buybacks | $0 | -$100.06M | — | — | $0 | $0 | +100.0% |
| Financing cash flow | $93.49M | $6.74M | -$20.18M | $378.58M | $91.93M | — | +1,286.5% |
| Free cash flow | -$142.88M | -$140.29M | $104.63M | -$126.59M | -$124.53M | — | -1.8% |
| End cash position | $982.28M | $931.33M | $1.06B | $836.90M | $701.46M | — | +5.5% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $363.36M | +31.1% |
| Next quarter | — | — | $381.21M | +28.7% |
| Current year | — | — | $1.42B | +35.8% |
| Next year | — | — | $1.86B | +31.2% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders12.77%
Held by institutions63.27%
Institutions holding484
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
25.44
-0.15% from price
SMA 20
25.07
+1.34% from price
SMA 50
26.57
-4.37% from price
SMA 100
26.16
-2.90% from price
SMA 200
29.16
-12.89% from price
EMA 12
25.35
+0.22% from price
EMA 26
25.55
-0.55% from price
EMA 50
25.90
-1.93% from price
RSI (14)
49.2
Neutral
MACD (12,26,9)
-0.20
Hist 0.07
ATR (14)
1.27
5.01% of price
Realised vol 30D
54.4%
Annualised
Bollinger upper
27.23
20, 2σ
Bollinger lower
22.91
20, 2σ
50 / 200 cross
Death
26.57 vs 29.16
Trend bias
Below 200
-12.89%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.51
Less volatile than market
Correlation to SPY
0.10
Largely independent
Realised vol 30D
54.4%
Annualised
Market vol 1Y
12.8%
SPY, annualised
Max drawdown 1Y
-65.5%
Peak to trough
Max drawdown 5Y
-96.8%
Peak to trough
ATR 14
1.27
5.01% of price
Beta (reported)
2.17
5Y monthly, from filing
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 5, 26 | Needham | MAINTAINED | Buy | Buy |
| Aug 5, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Aug 5, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jul 22, 26 | Citigroup | MAINTAINED | Buy | Buy |
| Jul 9, 26 | Goldman Sachs | MAINTAINED | Neutral | Neutral |
| Jul 7, 26 | Needham | MAINTAINED | Buy | Buy |
| Jul 7, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jun 15, 26 | Needham | MAINTAINED | Buy | Buy |
| May 6, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 6, 26 | Needham | MAINTAINED | Buy | Buy |
| May 6, 26 | BTIG | MAINTAINED | Buy | Buy |
| Apr 9, 26 | BTIG | MAINTAINED | Buy | Buy |
Headlines
Micron's Big AI Test Is Coming This Week
GuruFocus.com · 1m ago
Alibaba Slides as $10.2 Billion AI Sale Dilutes Investors
GuruFocus.com · 1m ago
Jersey Mike's Subs Same-Store Sales Growth More Durable Than Peers, RBC Says
MT Newswires · 3m ago
HearingLife Introduces Oticon Reveal, the World's First Dual AI-Powered Hearing Aid
PR Newswire · 3m ago
France readies high school phone ban for next month
AFP · 3m ago
DeepCura Unveils the Electronic Health Workforce (EHW) -- the Step Beyond the EHR
PR Newswire · 6m ago
Shipping ETF (SEA) Hits New 52-Week High
Zacks · 7m ago
Is PepsiCo's Growth Story Becoming More Internationally Focused?
Zacks · 7m ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.