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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: $26.93 Daily Weekly Monthly 20 Day Moving Average: 3,587,983 shares Shares Outstanding: 95.71 (millions) Market Capitalization: $2,577.52 (millions) Beta: 2.26 52 Week High: $87.30 52 Week Low: $23.97 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -18.32% -18.92% 12 Week -14.72% -17.06% Year To Date -38.42% -41.70%

• 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: 03/01/26 Next Expected EPS Date: 08/04/26 Share - Related Items Shares Outstanding: 95.71 Most Recent Split Date: (:1) Beta: 2.26 Market Capitalization: $2,577.52 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.00% Current Fiscal Quarter EPS Consensus Estimate: $0.29 Indicated Annual Dividend: $0.00 Current Fiscal Year EPS Consensus Estimate: $0.92 Payout Ratio: 0.00 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: Estmated Long-Term EPS Growth Rate: 40.77% Last Dividend Paid: NA - $0.00 Next EPS Report Date: 08/04/26

• Fundamental Ratios P/E Current FY Estimate: 29.27 Trailing 12 Months: 76.94 PEG Ratio: 0.72 Price Ratios Price/Book: 3.52 Price/Cash Flow: 33.40 Price / Sales: 2.26 EPS Growth vs. Year Ago Period: -133.33% vs. Previous Quarter: -141.18% Sales Growth vs. Year Ago Period: 44.45% vs. Previous Quarter: 4.09% ROE 06/30/26 - - 03/31/26 - 5.63 12/31/25 - 6.30 ROA 06/30/26 - - 03/31/26 - 1.49 12/31/25 - 1.74 Current Ratio 06/30/26 - - 03/31/26 - 0.49 12/31/25 - 0.51 Quick Ratio 06/30/26 - - 03/31/26 - 0.49 12/31/25 - 0.51 Operating Margin 06/30/26 - - 03/31/26 - 3.70 12/31/25 - 4.44 Net Margin 06/30/26 - - 03/31/26 - 4.34 12/31/25 - 5.13 Pre-Tax Margin 06/30/26 - - 03/31/26 - 4.41 12/31/25 - 5.20 Book Value 06/30/26 - - 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 - - 03/31/26 - 0.00 12/31/25 - 0.00 Debt-to-Capital 06/30/26 - - 03/31/26 - 0.00 12/31/25 - 0.00

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