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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: $30.68 Daily Weekly Monthly 20 Day Moving Average: 4,780,580 shares Shares Outstanding: 98.06 (millions) Market Capitalization: $3,008.51 (millions) Beta: 2.38 52 Week High: $89.64 52 Week Low: $29.61 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -35.96% -34.95% 12 Week -13.77% -17.52% Year To Date -29.84% -30.83%

• 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 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: 12/01/25 Next Expected EPS Date: 05/05/26 Share - Related Items Shares Outstanding: 98.06 Most Recent Split Date: (:1) Beta: 2.38 Market Capitalization: $3,008.51 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.31 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $1.45 Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: Estmated Long-Term EPS Growth Rate: 41.03% Last Dividend Paid: NA - $0.00 Next EPS Report Date: 05/05/26

• Fundamental Ratios P/E Current FY Estimate: 21.16 Trailing 12 Months: 78.67 PEG Ratio: 0.52 Price Ratios Price/Book: 3.77 Price/Cash Flow: 38.05 Price / Sales: 2.88 EPS Growth vs. Year Ago Period: 950.00% vs. Previous Quarter: -15.00% Sales Growth vs. Year Ago Period: 35.22% vs. Previous Quarter: 6.85% ROE 12/31/25 - 6.30 09/30/25 - 3.68 06/30/25 - -5.95 ROA 12/31/25 - 1.74 09/30/25 - 1.02 06/30/25 - -1.75 Current Ratio 12/31/25 - 0.51 09/30/25 - 0.41 06/30/25 - 0.43 Quick Ratio 12/31/25 - - 09/30/25 - 0.41 06/30/25 - 0.43 Operating Margin 12/31/25 - 4.44 09/30/25 - 2.64 06/30/25 - -4.59 Net Margin 12/31/25 - 5.13 09/30/25 - 3.33 06/30/25 - -0.75 Pre-Tax Margin 12/31/25 - 5.20 09/30/25 - 3.36 06/30/25 - -0.72 Book Value 12/31/25 - 8.15 09/30/25 - 7.64 06/30/25 - 7.50 Inventory Turnover 12/31/25 - - 09/30/25 - - 06/30/25 - - Debt-to-Equity 12/31/25 - 0.00 09/30/25 - 0.00 06/30/25 - 0.00 Debt-to-Capital 12/31/25 - 0.00 09/30/25 - 0.00 06/30/25 - 0.00

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