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Zacks Company Profile for Upstart Holdings, Inc. (UPST : NSDQ)

• Company Description    Upstart Holdings Inc. is a AI lending platform partnering with banks to expand access to affordable credit. Upstart Holdings Inc. is based in San Mateo, United States. Number of Employees: 1,193

• Price / Volume Information    Yesterday's Closing Price: $38.60 Daily Weekly Monthly 20 Day Moving Average: 7,585,516 shares Shares Outstanding: 97.29 (millions) Market Capitalization: $3,755.26 (millions) Beta: 2.27 52 Week High: $96.43 52 Week Low: $31.40 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -20.54% -22.62% 12 Week -39.77% -42.27% Year To Date -37.31% -45.20%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 2950 S. DELAWARE STREET SUITE 410 - SAN MATEO,CA 94403 USA ph: 833-212-2461 fax: - ir@upstart.com http://www.upstart.com

• General Corporate Information    Officers Dave Girouard - Chief Executive Officer and Director Sanjay Datta - Chief Financial Officer Natalia Mirgorodskaya - Chief Accounting Officer Sukhinder Singh Cassidy - Director Kerry Cooper - Director Peer Information Upstart Holdings, Inc. (EIIN) Upstart Holdings, Inc. (AFMI) Upstart Holdings, Inc. (DRL) Upstart Holdings, Inc. (GRFPY) Upstart Holdings, Inc. (IGOT) Upstart Holdings, Inc. (ATLC) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: FIN-MISC SVCS Sector: Finance CUSIP: 91680M107 SIC: 6199 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 02/10/26 Share - Related Items Shares Outstanding: 97.29 Most Recent Split Date: (:1) Beta: 2.27 Market Capitalization: $3,755.26 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.24 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.37 Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: NA - $0.00 Next EPS Report Date: 02/10/26

• Fundamental Ratios P/E Current FY Estimate: 104.32 Trailing 12 Months: 193.00 PEG Ratio: - Price Ratios Price/Book: 5.05 Price/Cash Flow: - Price / Sales: 3.88 EPS Growth vs. Year Ago Period: 144.44% vs. Previous Quarter: 300.00% Sales Growth vs. Year Ago Period: 70.90% vs. Previous Quarter: 7.70% ROE 09/30/25 - 3.68 06/30/25 - -5.95 03/31/25 - -15.27 ROA 09/30/25 - 1.02 06/30/25 - -1.75 03/31/25 - -4.60 Current Ratio 09/30/25 - 0.41 06/30/25 - 0.43 03/31/25 - 0.56 Quick Ratio 09/30/25 - 0.41 06/30/25 - 0.43 03/31/25 - 0.56 Operating Margin 09/30/25 - 2.64 06/30/25 - -4.59 03/31/25 - -13.21 Net Margin 09/30/25 - 3.33 06/30/25 - -0.75 03/31/25 - -9.20 Pre-Tax Margin 09/30/25 - 3.36 06/30/25 - -0.72 03/31/25 - -9.17 Book Value 09/30/25 - 7.64 06/30/25 - 7.50 03/31/25 - 7.11 Inventory Turnover 09/30/25 - - 06/30/25 - - 03/31/25 - - Debt-to-Equity 09/30/25 - 0.00 06/30/25 - 0.00 03/31/25 - 0.00 Debt-to-Capital 09/30/25 - 0.00 06/30/25 - 0.00 03/31/25 - 0.00

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