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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: 1,405

• Price / Volume Information    Yesterday's Closing Price: $25.10 Daily Weekly Monthly 20 Day Moving Average: 3,945,793 shares Shares Outstanding: 97.31 (millions) Market Capitalization: $2,442.56 (millions) Beta: 2.16 52 Week High: $71.38 52 Week Low: $23.97 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -18.95% -16.74% 12 Week -22.60% -23.53% Year To Date -42.60% -48.24%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 220 Park Road Suite 500 - Burlingame,CA 94010 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 Peter Bernard - 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: 06/01/26 Next Expected EPS Date: 11/03/26 Share - Related Items Shares Outstanding: 97.31 Most Recent Split Date: (:1) Beta: 2.16 Market Capitalization: $2,442.56 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.23 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.71 Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: Estmated Long-Term EPS Growth Rate: 39.55% Last Dividend Paid: NA - $0.00 Next EPS Report Date: 11/03/26

• Fundamental Ratios P/E Current FY Estimate: 35.10 Trailing 12 Months: 52.29 PEG Ratio: 0.89 Price Ratios Price/Book: 3.06 Price/Cash Flow: 31.13 Price / Sales: 1.96 EPS Growth vs. Year Ago Period: 260.00% vs. Previous Quarter: 357.14% Sales Growth vs. Year Ago Period: 41.75% vs. Previous Quarter: 18.33% ROE 06/30/26 - 7.13 03/31/26 - 5.63 12/31/25 - 6.30 ROA 06/30/26 - 1.82 03/31/26 - 1.49 12/31/25 - 1.74 Current Ratio 06/30/26 - 0.49 03/31/26 - 0.49 12/31/25 - 0.51 Quick Ratio 06/30/26 - 0.49 03/31/26 - 0.49 12/31/25 - 0.51 Operating Margin 06/30/26 - 4.39 03/31/26 - 3.70 12/31/25 - 4.44 Net Margin 06/30/26 - 4.84 03/31/26 - 4.34 12/31/25 - 5.13 Pre-Tax Margin 06/30/26 - 4.95 03/31/26 - 4.41 12/31/25 - 5.20 Book Value 06/30/26 - 8.20 03/31/26 - 7.66 12/31/25 - 8.21 Inventory Turnover 06/30/26 - - 03/31/26 - - 12/31/25 - - Debt-to-Equity 06/30/26 - 0.00 03/31/26 - 0.00 12/31/25 - 0.00 Debt-to-Capital 06/30/26 - 0.00 03/31/26 - 0.00 12/31/25 - 0.00

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