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Upstart Holdings, Inc. (DE:855)
NASDAQ:855
855 Stock Chart & Stats
€23.14
-€0.82(-1.44%)
At close: 4:00 PM EST
€23.14
-€0.82(-1.44%)
Day’s Range― - ―
52-Week Range€21.71 - €72.93
Previous CloseN/A
Volume15.00
Average Volume (3M)167.00
Market Cap
€2.37B
Enterprise Value€3.89B
Total Cash (Recent Filing)€657.45M
Total Debt (Recent Filing)€1.85B
Price to Earnings (P/E)57.3
Beta1.95
Next Earnings
May 12, 2026EPS Estimate
0.31Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.39
Shares Outstanding98,061,280
10 Day Avg. Volume304
30 Day Avg. Volume167
Financial Highlights & Ratios
PEG Ratio-0.56
Price to Book (P/B)5.26
Price to Sales (P/S)3.90
P/FCF Ratio-25.28
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€40.68Price Target Upside75.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)1.77
Revenue Forecast (FY)€1.22B
Bulls Say, Bears Say
Bulls Say
Funding DiversificationAddition of new capital partners increases funding diversity and helps balance lending risk, supporting steadier interest income and the ability to fund higher loan originations.
Origination TransparencyMore frequent originations reporting gives analysts clearer information for valuation and improves visibility into growth trends, reducing investor uncertainty.
Product Differentiation And Revenue ProfileRevolving Cash Line that pairs earned wage access with a longer-duration credit line and no expedited fees creates a distinct recurring interest income stream compared with competitors.
Bears Say
Cyclicality And Market SensitivityHeavy reliance on employment durability, funding conditions, and overall risk appetite makes revenue and loan volumes highly cyclical and prone to sudden volatility.
Margin Pressure And Execution RiskShift toward lower take-rate products and ambitious growth targets risk compressing contribution margins, meaning faster origination growth or improved unit economics are needed to sustain profitability.
Product Adoption And Integration RiskCash Line remains in beta with a consumer wait list and lacks integration with customers' bank accounts, creating uncertainty about broad adoption and automated repayment behavior.
Upstart Holdings News
855 FAQ
What was Upstart Holdings, Inc.’s price range in the past 12 months?
Upstart Holdings, Inc. lowest stock price was €21.70 and its highest was €72.93 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is €2.37B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is May 12, 2026 which is in 61 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on Feb 10, 2026. The company reported €0.392 earnings per share for the quarter, missing the consensus estimate of €0.396 by -€0.004.
Is Upstart Holdings, Inc. overvalued?
According to Wall Street analysts Upstart Holdings, Inc.’s price is currently Undervalued.
Does Upstart Holdings, Inc. pay dividends?
Upstart Holdings, Inc. does not currently pay dividends.
What is Upstart Holdings, Inc.’s EPS estimate?
Upstart Holdings, Inc.’s EPS estimate is 0.31.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 98,061,280 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of €0.392 in its last earnings report, missing expectations of €0.396. Following the earnings report the stock price went down -11.089%.
Which hedge fund is a major shareholder of Upstart Holdings, Inc.?
Currently, no hedge funds are holding shares in DE:855
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Upstart Holdings Stock Smart Score
Underperform
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Analyst Consensus
Moderate Buy
Average Price Target:
€40.68 (75.81% Upside)
€40.68 (75.81% Upside)
Blogger Sentiment
Bullish
DE:855 Sentiment 70%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $193.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 59%
Bearish news 57%
Bearish news 57%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-40.59%
12-Months-Change
Fundamentals
Return on Equity
7.29%
Trailing 12-Months
Asset Growth
25.68%
Trailing 12-Months
Company Description
Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
855 Company Deck
855 Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed optimism about improved unit economics driven by larger loan sizes and lower acquisition costs across diverse partner channels, but this optimism is tempered by uncertainty and a lack of quantitative measurement of channel-level contribution. Overall, the messaging is forward-looking and positive in tone, though reliant on assumptions yet to be validated.View all DE:855 earnings summaries855 Stock 12 Month Forecast
Average Price Target
€40.68
▲(75.81% Upside)
Technical Analysis
Options Prices
Currently, No data available
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