OakChart

Upstart Holdings Inc

UPSTFinancial·Credit Services·USA·Mid·NASD·Nov 11 • 2:08 PM ET

20.63+0.22 (1.08%)
2026-11-11 20:09 CET
Market cap
2,018.73 USD m
Revenue, TTM
1,339.53 USD m
Net income, TTM
65.11 USD m
Free cash flow, TTM
-186.96 USD m
EPS diluted, TTM
0.59
P/E
34.98
Compare

Price

UPST against its 20, 50 and 200-day averages
2050200beatmiss
20.0030.0040.006.2M12.3MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26UPSTclose 20.6320-day 22.9350-day 24.06200-day 28.9020.63

60.4% under the 52-week high of 52.10 on 6 Jan 2026. 52-week low 19.71 on 10 Nov 2026. Last 15 sessions, 26.3% high to low

Profile

UPST
52-week range, 3% of the way up
19.7152.10

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.

IndexRUT
Employees1405
IPODec 16, 2020
Beta2.44
ATR, 14d1.39
Rel volume1.28
Short float31.33%
Insider own14.47%
Inst own58.47%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap2.04B
Enterprise Value3.00B
Income65.11M
Sales1.34B
Book/sh8.97
Cash/sh11.41
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees1405
IPODec 16, 2020

Ratios

P/E34.98
Forward P/E14.18
PEG0.96
P/S1.52
P/B2.30
P/C1.81
P/FCF-
EV/EBITDA34.25
EV/Sales2.24
Quick Ratio4.02
Current Ratio4.02
Debt/Eq2.35
LT Debt/Eq2.35
Option/ShortYes / Yes

Earnings

EPS (ttm)0.59
EPS next Y1.45
EPS next Q-0.02
EPS this Y-74.76%
EPS next Y248.02%
EPS next 5Y14.81%
EPS past 3/5Y- 40.90%
Sales past 3/5Y7.41% 34.93%
EPS Y/Y TTM100.99%
Sales Y/Y TTM38.56%
EPS Q/Q13.97%
Sales Q/Q33.71%
EarningsNov 03 BMO
EPS/Sales Surpr.63.77% 2.16%

Ownership

Insider Own14.47%
Insider Trans-0.68%
Inst Own58.47%
Inst Trans-2.51%
ROA2.09%
ROE7.98%
ROIC2.19%
Gross Margin-
Oper. Margin4.63%
Profit Margin4.86%
SMA20-10.03%
SMA50-14.26%
SMA200-28.61%
Trades-

Technical

Shs Outstand98.91M
Shs Float84.60M
Short Float31.33%
Short Ratio5.88
Short Interest26.50M
52W High52.10 -60.40%
52W Low19.71 4.67%
Volatility8.46% 6.10%
ATR (14)1.39
RSI (14)38.04
Beta2.44
Rel Volume1.28
Avg Volume4.50M
Volume4,200,917

Performance

Perf Week-11.76%
Perf Month-13.43%
Perf Quarter-33.39%
Perf Half Y-23.56%
Perf YTD-52.82%
Perf Year-47.01%
Perf 3Y-1.15%
Perf 5Y-91.61%
Perf 10Y-
Recom2.17
Target Price30.41
Prev Close20.41
Price20.63
Change %1.08%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 09, 2026InitiatedLLoop CapitalHold$34+64.8%
Mar 16, 2026UpgradeBBTIG ResearchNeutral → Buy$43+108.4%
Feb 17, 2026UpgradeCCompass PointSell → Neutral$30+45.4%
Feb 13, 2026UpgradeGGoldmanSell → Neutral$35+69.7%
Feb 13, 2026DowngradeCCitizensMkt Perform → Mkt Underperform$20-3.1%
Jan 06, 2026InitiatedTTruistBuy$59+186.0%
Aug 20, 2025UpgradeJJP MorganNeutral → Overweight$88+326.6%
Jul 14, 2025ResumedGGoldmanSell$71+244.2%
Jun 24, 2025ResumedPPiper SandlerOverweight$75+263.5%
Jun 12, 2025InitiatedSStephensEqual-Weight$55+166.6%

Peers

Mkt cap
TickerCompanyMkt cap
HAPNHappen Inc1.82B
ENVAEnova International Inc4.15B
SOFISoFi Technologies Inc21.36B
OMFOneMain Holdings Inc6.35B
AFRMAffirm Holdings Inc23.30B
OPFIOppFi Inc512.19M
PGYPagaya Technologies Ltd1.45B
OPRTOportun Financial Corp550.88M
SEZLSezzle Inc5.17B
KLARKlarna Group plc7.68B

Insider trading

latest 14 of 71
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Gu PaulChief Executive OfficerSep 10 '26Buy25.5550,0001,277,500130,000Sep 10 07:13 PM
Datta SanjayPresident, Capital& EnterpriseSep 08 '26Option Exercise1.35300,000405,000592,578Sep 10 07:12 PM
Datta SanjayPresident, Capital& EnterpriseSep 08 '26Sale27.29116,0003,166,197476,578Sep 10 07:12 PM
Datta SanjayOfficerSep 08 '26Proposed Sale27.29116,0003,166,196Sep 08 05:09 PM
Mirgorodskaya NataliaSee RemarksAug 25 '26Sale30.0391327,41735,875Aug 27 06:00 PM
Mirgorodskaya NataliaOfficerAug 25 '26Proposed Sale30.0391327,417Aug 25 04:10 PM
Datta SanjayPresident, Capital& EnterpriseAug 19 '26Sale31.4610,000314,633301,523Aug 21 06:23 PM
Datta SanjayPresident, Capital& EnterpriseAug 20 '26Sale28.098,945251,298292,578Aug 21 06:23 PM
Darling ScottChief Legal OfficerAug 20 '26Sale28.097,696216,21673,306Aug 21 06:23 PM
Mirgorodskaya NataliaSee RemarksAug 20 '26Sale28.0958616,46136,788Aug 21 06:23 PM
Mirgorodskaya NataliaOfficerAug 20 '26Proposed Sale28.0958616,461Aug 20 04:07 PM
Darling ScottOfficerAug 20 '26Proposed Sale28.097,696216,216Aug 20 04:07 PM
Datta SanjayOfficerAug 20 '26Proposed Sale28.098,945251,298Aug 20 04:06 PM
Datta SanjayPresident, Capital& EnterpriseAug 17 '26Sale29.362,03359,683311,523Aug 19 06:20 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
VBKVanguard Morningstar Small-Cap Growth ETFAUM: 22.34B
FESMFidelity Enhanced Small Cap Core ETFAUM: 6.82B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-030.3300.2020.330370.52362.6812
2026Q22026-08-040.1600.1780.156364.71354.7411
2026Q12026-05-05-0.0700.420-0.069308.21301.38
2025Q42026-02-100.4560.4610.172296.09288.4712
2025Q32025-11-040.5200.4270.290277.11279.3211
2025Q22025-08-050.3600.2540.055257.29225.413
2025Q12025-05-060.3300.170-0.026213.37201.2812
2024Q42025-02-110.260-0.040-0.030218.96181.9313
2024Q32024-11-07-0.060-0.147-0.075162.14149.3212
2024Q22024-08-06-0.170-0.393-0.616127.63124.5511
2024Q12024-05-07-0.310-0.368-0.742127.79125.0512
2023Q42024-02-13-0.110-0.141-0.496140.31134.8312
2023Q32023-11-07-0.050-0.019-0.478134.56139.6812
2023Q22023-08-080.060-0.069-0.339135.77135.2112
2023Q12023-05-09-0.470-0.826-1.578102.9399.7212
2022Q42023-02-14-0.250-0.473-0.672146.91133.6111

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2020FY0.2300.1510.082233.61219.54
2021FY2.3701.9521.429848.59806.75
2022FY0.210-0.030-1.313842.44830.46
2023FY-0.560-0.605-2.867513.56508.86
2024FY-0.200-0.471-1.438636.53599.08
2025FY1.6571.6710.4501,0441,036
2026FY-0.418--1,357
2027FY-1.455--1,753
2028FY-2.507--2,230
2029FY-5.850--3,572

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0413013310.58302335
2026Q4S2026-11-0313013310.58302335
2026Q4S2026-11-021223384.46363.81402.85
2026Q4S2026-10-271224384.46363.81402.85
2026Q4S2026-10-191214383.62353.63402.85
2026Q4S2026-10-141217383.62353.63402.85
2026Q4S2026-10-131218384.08353.63402.85
2026Q4S2026-10-121218384.51353.63402.85
2026Q4S2026-10-091218384.2353.63402.85
2026Q4S2026-10-051218384.25353.63403.36
2026Q4S2026-10-021218384.56353.63403.36
2026Q4S2026-09-301218384.56353.63403.4
2026Q4S2026-09-281218384.52353.63403.4
2026Q4S2026-09-251218384.56353.63403.4

Estimate history

EPS, annual-0.105-0.168-0.0060.0821.429-1.313-2.867-1.4380.4530.5898
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.075-0.03-0.0260.0550.290.172-0.0690.1560.33
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual57.28999.313164.189233.416848.589842.444513.562636.5281043.8571339.53
Period201720182019202020212022202320242025TTM
Sales, quarterly162.14218.964213.371257.291277.105296.09308.214364.708370.522
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual-73.31473.31473.31483.6681.2686.3393.4798.03398.907
Period201720182019202020212022202320242025MRQ
Shares, quarterly90.99893.4795.07296.09197.27698.03395.70997.30798.907
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue1,339.531,043.86636.53513.56842.44848.59233.42164.1999.31
Total Expenses1,277.491,001.23817.08774.79960.99709.68233.01170.17111.02
Operating Income62.0442.63-180.55-261.23-118.55138.910.40-5.98-11.71
Unusual Expense5.0612.63-33.360.000.000.000.000.000.00
Net Income Before Taxes67.0054.33-128.40-240.03-109.07133.735.95-4.95-11.22
Income Taxes1.890.730.180.11-0.41-1.710.370.070.00
Consolidated Net Income65.1153.60-128.58-240.13-108.67135.445.58-5.02-11.22
Net Income From Continuing Operations65.1153.60-128.58-240.13-108.67135.445.98-0.47-12.32
Net Income65.1153.60-128.58-240.13-108.67135.445.98-0.47-12.32
EPS (Recurring)0.600.54-1.70-2.87-1.311.430.08-0.01-0.17
EPS (Basic, Before Extraordinaries)0.670.56-1.44-2.87-1.311.730.08-0.01-0.17
EPS (Diluted)0.590.45-1.44-2.87-1.311.430.08-0.01-0.17
Non-Operating Income (Expense)10.0124.3218.7921.219.47-5.175.551.040.49
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense119.83104.24105.39138.2891.9453.439.103.011.62
Price To Earnings Ratio34.6034.60---107.81499.39258.96-
Price To Sales Ratio2.154.508.656.661.3016.9012.80--
Gross Margin-97.62-------
Operating Margin4.634.08-28.36-50.87-14.0716.370.17-3.64-11.79
Net Margin4.865.13-20.20-46.76-12.9015.962.56-0.28-12.40
Shares Outstanding98.9198.0393.4786.3381.2683.6673.3173.3173.31
Market Capitalization2,018.732,018.735,616.913,475.441,082.4212,400.152,952.782,816.56-

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue370.52364.71308.21296.09277.11257.29213.37218.96
Total Expenses334.52350.07315.73277.17253.44252.75217.87227.74
Operating Income36.0014.64-7.5218.9223.674.54-4.50-8.78
Unusual Expense0.000.000.005.06-7.250.000.000.00
Net Income Before Taxes37.2417.15-6.5619.1631.935.66-2.42-2.64
Income Taxes0.670.610.080.530.120.050.030.11
Consolidated Net Income36.5816.54-6.6518.6431.805.61-2.45-2.75
Net Income From Continuing Operations36.5816.54-6.6518.6431.805.61-2.45-2.75
Net Income36.5816.54-6.6518.6431.805.61-2.45-2.75
EPS (Recurring)0.330.16-0.070.200.240.05-0.03-0.03
EPS (Basic, Before Extraordinaries)0.370.17-0.070.190.330.06-0.03-0.03
EPS (Diluted)0.330.16-0.070.170.290.05-0.03-0.03
Non-Operating Income (Expense)1.242.510.965.301.021.112.086.14
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense31.5635.1327.5025.6426.9828.0523.5723.54
Price To Earnings Ratio34.6091.4659.65191.97----
Price To Sales Ratio2.153.122.184.705.777.816.018.92
Gross Margin---97.82----
Operating Margin9.724.01-2.446.398.541.77-2.11-4.01
Net Margin9.874.53-2.166.2911.482.18-1.15-1.26
Shares Outstanding98.9197.3195.7198.0397.2896.0995.0793.47
Market Capitalization2,018.733,391.062,515.274,254.344,887.866,153.974,313.525,616.91

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments1,057.01976.26467.79532.471,191.24311.3380.07122.24-
Short Term Receivables0.00131.941,224.991,093.54326.3896.95245.35505.19-
Investment Securities-0.000.000.000.000.000.000.00-
Securities In Custody-0.000.000.000.000.000.000.00-
Investments437.69219.9688.2241.2540.000.000.000.00-
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.00-
Net Property, Plant & Equipment60.5882.4797.35130.50120.3828.3422.221.50-
Other Intangible Assets137.22956.32138.75138.29142.4540.6345.8216.97-
Total Assets2,974.802,366.962,017.101,936.051,820.45477.25393.46645.91-
Total Debt1,896.841,452.451,102.751,087.18795.8082.06231.78501.23-
Long Term Debt1,886.231,437.041,087.781,072.09784.6077.52227.66501.23-
Provision for Risks Charges0.000.000.000.000.000.000.000.00-
Other Liabilities279.15281.29279.05176.44217.5894.9460.8341.43-
Total Liabilities2,175.991,733.741,381.801,263.621,013.38177.00292.60542.65-
Preferred Stock - Carrying Value0.000.000.000.000.000.00162.55157.92-
Common Equity798.82633.22635.30672.43807.08300.25-62.71-66.67-
Total Shareholders Equity798.82633.22635.30672.43807.08300.2599.8391.25-
Accumulated Minority Interest0.000.000.000.000.000.001.0312.00-
Total Equity798.82633.22635.30672.43807.08300.25100.86103.25-
Total Liabilities & Stockholders Equity2,974.802,366.962,017.101,936.051,820.45477.25393.46645.91-
Book Value Per Share8.156.777.368.289.654.10-0.86-0.91-
Tangible Book Value Per Share7.385.966.457.268.614.10-0.86-0.91-
Full-Time Employees1,4051,1931,3881,8751,497554273--
Price to Book Ratio2.279.415.421.5115.689.95-60.21--
Return on Assets2.01-5.87-12.15-5.7911.791.37-0.09--
Return on Equity7.49-20.27-36.72-14.6924.462.99-0.49--
Return on Invested Capital2.00-6.21-13.94-6.238.511.58-0.14-2.08-
Quick Ratio3.953.601.723.175.693.732.244.34-
Current Ratio3.953.601.723.175.693.732.244.34-

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations245.3815.10124.85180.11173.98211.0147.7531.5536.41
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-426.51-162.8361.48-340.60-848.66-42.66-32.050.0313.93
Cash from Operating Activities-181.13-147.72186.33-160.49-674.68168.3515.7031.5850.34
Capital Expenditures-22.59-18.41-9.99-12.09-22.91-15.12-5.61-5.28-1.04
Net Assets From Acquisitions-3.44-3.440.000.000.00-16.760.000.000.00
Sale of Fixed Assets and Businesses142.90142.900.000.000.000.000.000.000.00
Purchase or Sale of Investments291.78-316.93-171.91-50.45-105.50-163.4120.77-208.40-129.53
Purchase of Investments-1,247.36-1,033.03-323.10-157.22-155.55-199.40-9.65-265.29-169.44
Sale Or Maturity of Investments1,539.14716.10151.18106.7750.0535.9930.4256.8839.91
Other Uses0.89-7.86-67.75-56.890.000.00-0.00-0.480.00
Other Sources-65.6626.5711.930.000.000.000.000.000.00
Cash from Investing Activities343.88-177.17-237.73-118.45-114.12-143.88136.5245.43-137.24
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock198.9825.3029.1021.31-157.87-39.642.371.7350.25
Repurchase of Common Pref Stock179.300.000.000.00-177.88-58.520.00-2.090.00
Sale of Common Pref Stock19.6825.3029.1021.3120.0218.882.373.8250.25
Proceedsfrom Stock Options34.1725.307.688.437.664.140.001.9149.92
Issuance or Reduction of Debt, Net-142.94332.86558.71192.97287.92631.38-82.18-115.9687.84
Change in Long Term Debt-120.06355.74558.71192.97287.92631.38-82.18-115.9687.84
Issuance of Long Term Debt562.53678.831,296.78792.23688.81702.7092.06193.35429.04
Reduction of Long Term Debt-682.59-323.10-738.06-599.26-400.90-71.32-174.24-309.32-341.20
Net Financing Active Other Cash Flow72.7747.49-27.94-0.01-0.02263.69158.87-4.96-2.32
Other Financing Activities Uses---40.91-0.01-0.02-0.24-0.62-4.96-11.24
Cash from Financing Activities128.81405.64559.87214.27130.03855.4379.05-119.19135.77
Net Change in Cash291.5680.75508.48-64.68-658.77879.91231.27-42.1748.87
Free Cash Flow-186.96-148.07185.49-162.02-683.51159.9314.3427.5850.19
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.00--
Price to Free Cash Flow--29.69--89.66208.31--

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments1,128.47982.28931.331,057.01836.90701.46
Short Term Receivables231.46224.80203.420.00195.15184.58
Investments654.65586.94516.05437.69357.45308.01
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment108.0568.2061.6160.5878.9181.56
Other Intangible Assets1,216.411,309.051,249.27137.221,436.441,202.25
Total Assets3,339.043,171.272,961.682,974.802,904.852,477.87
Total Debt2,088.312,025.481,939.211,896.841,896.311,472.31
Long Term Debt2,086.751,955.821,866.021,886.231,892.451,464.60
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities363.31348.30289.30279.15264.82283.55
Total Liabilities2,451.622,373.782,228.512,175.992,161.131,755.86
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity887.42797.49733.17798.82743.72722.01
Total Shareholders Equity887.42797.49733.17798.82743.72722.01
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity887.42797.49733.17798.82743.72722.01
Total Liabilities & Stockholders Equity3,339.043,171.272,961.682,974.802,904.852,477.87
Book Value Per Share8.978.207.668.157.657.51
Tangible Book Value Per Share8.227.436.887.386.876.72
Full-Time Employees---1,405--
Price to Book Ratio2.274.633.155.726.769.09
Return on Assets2.092.141.882.011.37-0.30
Return on Equity7.987.947.017.494.81-0.96
Return on Invested Capital1.230.60-0.260.691.210.26
Quick Ratio4.022.913.093.953.792.82
Current Ratio4.022.913.093.953.792.82

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations107.03198.25-52.71-7.19-3.0210.33
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-126.79-334.88-80.58115.74-119.61-130.49
Cash from Operating Activities-19.75-136.63-133.30108.55-122.63-120.16
Capital Expenditures-5.43-6.25-6.99-3.92-3.96-4.37
Net Assets From Acquisitions0.000.000.00-3.440.000.00
Sale of Fixed Assets and Businesses0.000.000.00142.900.000.00
Purchase or Sale of Investments121.20101.056.5063.03-158.73-133.06
Purchase of Investments-259.97-180.31-440.10-366.98-288.11-228.02
Sale Or Maturity of Investments381.17281.37446.60430.01129.3894.96
Other Uses0.00-0.720.001.61-7.89-0.96
Other Sources1.420.001.37-68.4550.0828.55
Cash from Investing Activities117.1994.080.88131.74-120.51-109.83
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock11.150.92-94.80281.71-270.971.66
Repurchase of Common Pref Stock0.000.00-100.06279.35-279.350.00
Sale of Common Pref Stock11.150.925.252.368.381.66
Proceedsfrom Stock Options11.150.925.2516.853.760.00
Issuance or Reduction of Debt, Net16.0972.8983.68-315.60647.2681.72
Change in Long Term Debt16.0972.8983.68-292.72647.2681.72
Issuance of Long Term Debt347.12301.03123.52-209.14712.06122.70
Reduction of Long Term Debt-331.03-228.14-39.84-83.58-64.81-40.98
Net Financing Active Other Cash Flow21.5219.6817.8613.702.298.55
Other Financing Activities Uses-----0.00-0.00
Cash from Financing Activities48.7693.496.74-20.18378.5891.93
Net Change in Cash146.1950.94-125.68220.11135.44-138.07
Free Cash Flow-20.62-138.69-136.05108.39-122.70-120.28

Revenue breakdown

Finance Services2024: 636.53M 2025: 1.04B
United States2024: 636.53M 2025: 1.04B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3031.33%26.5M84.6M4.31M
2026-10-1532.30%26.9M83.2M4.33M
2026-09-3034.32%28.6M83.2M4.25M
2026-09-1533.22%27.6M83.2M4.25M
2026-08-3131.17%25.9M83.2M4.36M
2026-08-1429.78%24.8M83.2M4.47M
2026-07-3130.28%25.2M83.3M4.46M
2026-07-1531.95%26.2M81.9M4.61M
2026-06-3031.54%25.8M81.9M4.72M
2026-06-1532.75%26.8M81.9M4.74M
2026-05-2933.75%27.6M81.9M4.85M
2026-05-1532.56%26.7M81.9M4.98M
2026-04-3032.40%27.0M83.3M5.31M
2026-04-1532.66%27.9M85.3M5.13M
2026-03-3132.37%27.6M85.4M5.21M
2026-03-1332.52%27.8M85.4M5.17M
2026-02-2729.18%24.9M85.4M4.92M
2026-02-1327.57%23.5M85.4M4.93M
2026-01-3026.97%22.8M84.7M5.15M
2026-01-1526.73%22.6M84.7M5.67M

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call13.007.558.157.855.70713.007.000.980-0.0640.001
call14.006.657.206.925.18413.007.000.977-0.0630.001
call15.005.356.406.075.0613.002.000.973-0.0610.001
call16.004.605.154.983.70572.001.000.968-0.0580.001
call16.504.104.753.503.62815.000.000.965-0.0570.001
call17.003.604.203.863.1813.001.000.961-0.0550.001
call17.503.203.752.583.00116.000.000.956-0.0530.001
call18.002.503.252.932.72914.001.000.949-0.0510.002
call18.501.962.782.412.4805.001.000.932-0.0570.002
call19.001.561.981.541.5091010.000.897-0.0700.003
call19.501.301.601.401.47930.0014.000.811-0.1060.004
call20.000.910.990.980.95411358.000.725-0.1130.005
call20.500.570.660.610.9161481130.579-0.1320.006
call21.000.330.390.360.86213171.000.423-0.1300.006
call21.500.160.230.200.8731781130.284-0.1130.005
call22.000.080.100.090.8115491,1180.175-0.0870.004
call22.500.030.040.040.8283014140.101-0.0610.003
call23.000.020.030.030.88376697.000.055-0.0380.002
call23.500.010.020.010.9341,02122.000.036-0.0290.001
call24.000.000.030.011.0762,2457580.032-0.0310.001
call24.500.000.010.051.1526911.000.042-0.0400.001
call25.000.000.020.051.1867587.000.016-0.0190.001
call25.500.000.070.031.3063070.000.026-0.0300.001
call26.000.000.030.011.39427413.000.014-0.0190.001
call26.500.000.050.021.3001550.000.013-0.0140.001
call27.000.000.200.011.5892874.000.013-0.0200.000
call27.500.000.950.051.67632.000.000.012-0.0200.000
call28.000.000.010.011.5321100.000.011-0.0140.001
call28.500.000.070.051.72813.000.000.011-0.0200.000
call29.000.000.750.011.94984.001.000.010-0.0210.000
call29.500.000.750.102.0277.000.000.010-0.0210.000
call30.000.000.010.011.8141410.000.010-0.0150.000
call30.500.000.750.032.1903.000.000.009-0.0220.000
call31.000.000.750.012.26943.000.000.009-0.0220.000
call31.500.000.750.142.34611.000.000.009-0.0220.000
call32.000.000.750.022.4222890.000.009-0.0220.000
call32.500.000.750.082.4969.000.000.008-0.0220.000
call33.000.000.100.082.44854.001.000.008-0.0220.000
call34.000.000.050.052.71059.000.000.008-0.0230.000
call35.000.000.030.022.4221840.000.007-0.0160.000
put13.000.000.750.103.3273.000.00-0.020-0.0630.001
put14.000.000.750.102.8583.000.00-0.023-0.0610.001
put15.000.000.750.062.4241.000.00-0.027-0.0590.001
put16.000.000.750.032.0084.000.00-0.032-0.0560.001
put16.500.000.750.031.80769.000.00-0.035-0.0550.001
put17.000.000.750.031.6091140.00-0.039-0.0530.001
put17.500.000.050.031.3481,1060.00-0.035-0.0390.001
put18.000.010.040.021.21434520.00-0.051-0.0490.002
put18.500.010.050.051.0741606.00-0.068-0.0550.002
put19.000.030.060.040.91641654.00-0.103-0.0670.003
put19.500.080.110.100.8581,127154-0.189-0.1040.004
put20.000.160.200.150.80539382.00-0.275-0.1110.005
put20.500.310.380.320.804563154-0.421-0.1300.006
put21.000.550.650.590.81957045.00-0.577-0.1280.006
put21.500.900.980.750.80365.0017.00-0.716-0.1110.005
put22.001.031.491.221.0632003.00-0.825-0.0840.004
put22.501.262.081.601.48339.005.00-0.899-0.0580.003
put23.001.782.833.152.2191380.00-0.945-0.0360.002
put23.502.412.913.191.4331180.00-0.964-0.0270.001
put24.003.203.353.201.3581431.00-0.968-0.0280.001
put24.503.553.953.751.89218116.00-0.982-0.0160.001
put25.003.954.403.951.86570.003.00-0.984-0.0160.001
put25.504.205.553.203.4022.000.00-0.985-0.0160.001
put26.004.805.405.032.22062.004.00-0.986-0.0170.001
put26.505.306.155.983.14889.002.00-0.987-0.0170.001
put27.005.756.404.942.48622.000.00-0.987-0.0170.000
put27.506.157.156.714.8260.001.00-0.988-0.0170.000
put28.006.757.757.263.8590.001.00-0.989-0.0180.000
put28.507.308.107.633.8680.002.00-0.989-0.0180.000
put29.007.708.958.574.6370.002.00-0.990-0.0180.000
put29.508.209.359.004.5351.002.00-0.990-0.0180.000
put30.008.9510.209.535.4851.000.00-0.990-0.0180.000
put30.509.4010.709.575.6251.000.00-0.991-0.0180.000
put31.009.7511.2010.425.7601.000.00-0.991-0.0180.000
put31.5010.1511.7010.995.7533.004.00-0.991-0.0190.000
put32.0010.7012.3011.426.2421.004.00-0.991-0.0190.000
put32.5011.0513.1011.907.0012.000.00-0.992-0.0190.000
put33.0011.6013.5012.316.9221.000.00-0.992-0.0190.000
put34.0012.3014.6513.317.4792.000.00-0.992-0.0190.000
put35.0013.3015.6514.247.7603.000.00-0.992-0.0190.000

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-098-KCurrent report2026-11-03SEC
2026-11-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-208-KCurrent report2026-10-16SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-09-08144Filing for proposed sale of securities under Rule 144.SEC
2026-08-274Statement of changes in beneficial ownership of securities2026-08-25SEC
2026-08-25144Filing for proposed sale of securities under Rule 144.SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-19SEC
2026-08-214Statement of changes in beneficial ownership of securities2026-08-20SEC
2026-08-20144Filing for proposed sale of securities under Rule 144.SEC
2026-08-20144Filing for proposed sale of securities under Rule 144.SEC
2026-08-20144Filing for proposed sale of securities under Rule 144.SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-19144Filing for proposed sale of securities under Rule 144.SEC
2026-08-19144Filing for proposed sale of securities under Rule 144.SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-194Statement of changes in beneficial ownership of securities2026-08-17SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-17144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0510-Q/A2026-06-30SEC
2026-08-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-048-KCurrent report2026-08-04SEC
2026-07-13SCHEDULE 13G/ASEC
2026-06-114Statement of changes in beneficial ownership of securities2026-06-09SEC
2026-06-09144Filing for proposed sale of securities under Rule 144.SEC
2026-06-024Statement of changes in beneficial ownership of securities2026-05-29SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-091.28M13.17M1
2026-08001.21M9
2026-070000
2026-0600456.12K1
2026-056.37M2747.91K7
2026-040000
2026-030000
2026-0200487.42K5
2026-010050.00K1
2025-1200444.60K2
2025-113.92M1840.52K4

Institutional holders

Manager% owned
BlackRock, Inc.8.23%
STATE OF WISCONSIN INVESTMENT BOARD4.19%
OFI INVEST ASSET MANAGEMENT4.11%
VANGUARD PORTFOLIO MANAGEMENT LLC3.91%
VANGUARD CAPITAL MANAGEMENT LLC3.86%
MORGAN STANLEY2.52%
GOLDMAN SACHS GROUP INC2.50%
MARSHALL WACE, LLP2.48%
GEODE CAPITAL MANAGEMENT, LLC2.41%
STATE STREET CORP2.21%

Funds

Fund% owned
American Beacon SiM High Yield Opportunities Fund49.22%
NYLIM VP MacKay Convertible Portfolio12.99%
NYLIM MacKay Convertible Fund12.32%
iShares Convertible Bond ETF11.14%
AQR Diversified Arbitrage Fund10.76%
State Street(R) SPDR(R) Bloomberg Convertible Securities ETF9.29%
Fidelity Convertible Securities Fund4.36%
Lord Abbett Short Duration High Yield Fund3.97%
Lord Abbett Credit Opportunities Fund3.66%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.69%

OakChart. UPST. Cached 15 minutes.