Upstart

Uses AI to help banks decide who gets personal and car loans.

Company Health

Banks and lenders are judged with different measures, so we don’t give them a score.

Its yearly figures are still below.

Who owns it

1 of 23 own it · Nobody changed their stake

bought lately

owns it

doesn’t own it

Didn’t report owning it: Whale Rock, Appaloosa, Melqart, D1 Capital, Light Street, Lone Pine, Third Point, TCI, Pershing Square, Duquesne, Himalaya Capital, Greenlight, Giverny Capital, Fundsmith, Semper Augustus, Akre

Their letters don’t mention it: Arquitos, Laughing Water, Alluvial, Bireme, Kingdom Capital, Saga Partners

From each fund’s latest 13F report (Jun 30, 2026). Funds that don’t file one: from their own letters.

The numbers

From Upstart’s yearly reports. Tap a year to see its figures.

Sales and profit

Sales grew from $233 million in 2020 to $1.04 billion in 2025, and it made a profit in 3 of the 6 years.

2025

Sales

$1.04 billion

Profit

$53.6 million

Spare cash each year

It had cash to spare in 3 of the 6 years, but in 2025 it spent $148 million more than it brought in.

2025

Cash shortfall

$148 million

Spare cash is the cash its business brought in, minus what it spent on buildings and equipment.

What it owns and what it owes

At the end of 2025 it owned $2.97 billion, including $652 million in cash, and owed $2.18 billion.

Key facts

From its yearly report for 2025.

Sales

$1.04 billion

Profit

$53.6 million

Cash shortfall

$148 million

Cash in the bank

$652 million

Everything it owes

$2.18 billion

Year ends

December

Money shown in

U.S. dollars

Latest yearly report

10-K, filed Feb 10, 2026

Figures from Upstart’s yearly reports to the SEC (EDGAR), collected Oct 12, 2026.

Not investment advice. Holdings come from public SEC reports and the funds’ own letters, and can be up to 4½ months old. How this works