Upstart Holdings, Inc.
Upstart Holdings, Inc. is classed by the SEC under Finance Services (industry code 6199), based in San Mateo, CA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.0 billion and a profit of $54 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.2 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.7 out of ten, present 6.0 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 8.4 out of ten. No warning events in its filings since 2017. 84th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 5.8 out of ten. +36.1% a year over 7 filed years; profitable in 3 of 7. 57th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 35 of 100 (one part). 50th percentile among 115 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 5.4 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 73%: owes 73¢ per asset dollar. 54th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.0 out of ten. top 30% of 114 in its family; net margin 5.1%. 70th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.7 out of ten. top 43% of 49 in its family for leadership; chief executive since 2026. 57th percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 4.5 out of ten. bottom 45% of 108 in its family for room to expand. 45th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.0 out of ten. bottom 40% of 100 in its family for growth drivers. 40th percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 8.0 out of ten. top 20% of 79 in its family for expectations against reality. 80th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-10 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-04 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-04 (on EDGAR). Newest filing: Form 4, 2026-09-10. Filings on record since 2015. Read from EDGAR 2026-10-12.
Who runs it
Gu, Paul (Chief Executive Officer); Girouard, Dave (Chief Executive Officer); Datta, Sanjay (President, Capital& Enterprise); Blankmeyer, Andrea (Chief Financial Officer); Mirgorodskaya, Natalia (Chief Accounting Officer and Controller); Darling, Scott (Chief Legal Officer); Bernard, Peter J (director); Cooper, Kerry Whorton (director); Hentges, Mary (director); O'Kelly, Ciaran (director); and 2 more. 12 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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