Financials

  • Market Capitalization 2.61 B
  • Employee 1 405
  • Founded N/A
  • CEO Dave Girouard
  • Website www.upstart.com
  • Headquarter Delaware, United States
  • FIGI BBG00PKCBY53
  • Industry Technology
Total revenue
Net income
Basic earnings per share (Basic EPS)
Total debt
Free cash flow
Cash & equivalents
Price to earnings ratio
97.18
Price to sales ratio
4.5
Dividends per share
Dividend yield %

Upstart Holdings Inc

Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google. Upstart first launched in April 2012 with an Income Share Agreement product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower.

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