Upstart Holdings, Inc. is a publicly traded company based in San Mateo, California, founded in 2012. It operates as an AI-powered lending marketplace, partnering with over 100 banks and credit unions to provide consumer loans using non-traditional variables to predict creditworthiness. Upstart has approximately 1,193 employees and has expanded its services to include personal loans, auto loans, and home equity lines of credit.
Upstart Corporate Details & Core Services
Upstart is a leading AI lending marketplace that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.
AI LendingConsumer LoansFinancial ServicesFinTechMachine Learning
What are Upstart's Key Business Metrics & Stats?
No of employees
1193
Founded year
2012
Type
public
SAICS CODE
7374
NAICS Code
522291
Industry
Financial Technology
Location
San Mateo, California, United States
Subsidiary Company
upstart.com, upstartauto.com
Stock Name
UPST (NASDAQ)
Other website
upstart.com, upstartauto.com
Pricing Strategy
Personal loans: Fixed rates from 6.2% to 35.99% APR, Car loan refinance: APR from 5.17% to 35.99%, HELOC: Rates as low as 6.52% APR
How much funding has Upstart raised to date?
Name
Description
Funding Amount
USD 1.75
Stage
Seed
Latest Valuation
6.2 Billion (USD)
Investors
First Round Capital, Kleiner Perkins Caufield & Byers, New Enterprise Associates, Google Ventures, Crunchfund, Mark Cuban
What are Upstart's Core Products?
Name
Description
Personal Loans
Unsecured loans ranging from $1,000 to $75,000, offering fixed rates and no prepayment penalties, suitable for debt consolidation and other personal expenses.
Car Loan Refinance
Refinancing options for existing car loans, potentially lowering monthly payments with APRs starting from 5.17%.
Home Equity Line of Credit (HELOC)
Lines of credit between $26,000 and $250,000, with rates as low as 6.52% APR, allowing homeowners to leverage their home equity.
Short-Term Relief Loans
Loans ranging from $200 to $2,500, designed for everyday expenses, with clear costs and repayment terms between 3 to 18 months.
What are the latest developments at Upstart?
Date
Type
Description
02, 2026
Leadership Change
Co-founder and CTO Paul Gu to become CEO; Dave Girouard to remain Executive Chairman.
02, 2026
Financial Results
Reported Q4 2025 revenue of $296M, up from $218.96M year-over-year.
02, 2026
Stock Performance
Stock hit a new 52-week low of $26.80 following insider selling.
03, 2026
Analyst Rating
Received an average recommendation of 'Hold' from 15 ratings firms.
11, 2025
Partnership
Announced a $1.5B forward-flow agreement with Castlelake.
What industry awards and recognitions has Upstart received?
Date
Type
Description
09, 2022
Innovation Award
Won NAFCU Services Innovation Award for its AI Lending Platform.
05, 2020
Workplace Recognition
Named Best Workplace by Inc. Magazine.
, 2021
Financial Inclusion Award
Received 2021 Evergreen Award for promoting financial inclusion through innovative credit models.
Upstart VS SoFi VS Prosper VS Avant VS Affirm : 2026 Comparison
Personal Loans, Car Loan Refinance, Home Equity Line of Credit (HELOC), Short-Term Relief Loans
Student Loan Refinancing, Private Student Loans, Personal Loans, Home Loans, Investing, Credit Cards, Banking, Crypto, Insurance, Financial Insights, Small Business Financing, SoFi Plus
Personal Loans, Prosper® Card, Home Equity Loans, Investing & IRAs
Avant Credit Card, Avant Personal Loans
Affirm Card, Buy Now, Pay Later, Savings Account
Founded Year
2012
2011
2005
2012
2012
Stock Name/Ticker
UPST (NASDAQ)
SOFI (Nasdaq)
AFRM (NASDAQ)
Type
public
public
private
private
public
Global Employees
1193
5000
439
250
2500
Revenue (Annual)
$1 Billion(2025)
$3.7 Billion(2024)
$173.4 Million(2024)
$168.4 Million(2025)
$3.2 Billion(2025)
Headquarters
San Mateo, California, United States
San Francisco, California, United States
San Francisco, California, United States
Chicago, Illinois, United States
San Francisco, California, United States
Latest Valuation
$6.2 Billion
$8.7 Billion
$1.8 Billion
$16.8 Billion
What are Upstart's official legal and registration details?
Name
Description
Legal Name
Upstart Holdings, Inc.
Cin number
GST number
Registration number
001-39797
Who is in Upstart's executive leadership team?
Name
Designation
CEO
David J. Girouard
Co-Founder, Chief Technology Officer and Director
Paul Gu
President and Chief Capital Officer
Sanjay Datta
Chief Financial Officer
Andrea Blankmeyer
Chief Legal Officer and Corporate Secretary
Scott Darling
Chief Accounting Officer
Natalia Mirgorodskaya
Chief Compliance Officer and Chief Risk Officer
Annie Delgado
Senior Director of Treasury
Alice Berry
Head of Investor Relations
Sonya Banerjee
Where are Upstart's primary office locations?
City
Country
San Mateo
United States
Columbus
United States
New York
United States
Austin
United States
What are the current business signals and market intelligence for Upstart?
Spending next 3 months
Enhancing AI lending models, Expanding loan product offerings, Strengthening partnerships with banks and credit unions
Pain points
Limited access to affordable credit, Inefficiencies in traditional lending processes, High default rates due to inaccurate risk assessment
Sales motion
Direct-to-consumer online platform, Partnerships with financial institutions, Integration with auto dealerships for financing solutions
Buyer Persona
Consumers seeking personal loans, Banks and credit unions aiming to improve lending processes, Auto dealers offering financing options to customers
Type of customer
Individual borrowers, Banks, Credit unions, Auto dealerships
Key customer domain
Consumer lending, Automotive financing, Home equity lines of credit
Annual ACV
Varies based on loan type and amount, Personal loans: $1,000 to $75,000, Auto loans: Average monthly savings of $126
What is Upstart's annual revenue history?
Year
Revenue (USD)
2025
1 Billion
2024
636.5 Million
2023
513.6 Million
2022
842.4 Million
2021
848.6 Million
What are Upstart's risk management and compliance ratings?
GDPR RIsk
No
Privacy Risk
Yes
Company Ratings
3.62
Glassdoor Rating
What are Upstart's business model and service classifications?
