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Upstart Holdings, Inc. (DE:855)
NASDAQ:855
855 Stock Chart & Stats
€29.76
-€0.82(-1.44%)
At close: 4:00 PM EST
€29.76
-€0.82(-1.44%)
Day’s Range― - ―
52-Week Range€26.17 - €92.00
Previous CloseN/A
Volume15.00
Average Volume (3M)241.00
Market Cap
€3.15B
Enterprise Value€5.12B
Total Cash (Recent Filing)€494.89M
Total Debt (Recent Filing)€1.90B
Price to Earnings (P/E)155.4
Beta2.15
Next Earnings
Feb 10, 2026EPS Estimate
0.39Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.44
Shares Outstanding97,286,480
10 Day Avg. Volume67
30 Day Avg. Volume241
Financial Highlights & Ratios
PEG Ratio0.86
Price to Book (P/B)8.70
Price to Sales (P/S)8.14
P/FCF Ratio29.69
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€42.50Price Target Upside42.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
AI Customer Acquisition EfficiencyDeployment of AI to improve customer targeting has increased acquisition efficiency, which can raise originations without proportional increases in marketing spend.
Capital Partner AgreementsPlans to sign additional agreements with capital partners could reduce balance sheet utilization while preserving returns, lowering funding risk and supporting valuation.
Credit Performance NormalizationImproving early-stage delinquency trends across recent securitizations indicate credit normalization that could enable the company to increase loan originations.
Bears Say
Competitive Pressure And Prepayment RiskHigher prepayment levels point to stronger competition for prime borrowers, which can compress fee revenue and reduce forward return expectations from lending partners.
Emerging Early-loss Risk In Newest CohortsWeakness in the youngest loan cohort could signal developing early loss trends that would pressure credit outcomes and earnings.
Underwriting Tightening And Conversion DeclineModel-driven tightening in underwriting has raised loan pricing and lowered conversion rates, weighing on transaction volumes and revenue.
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 €26.17 and its highest was €92.00 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is €3.15B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Feb 10, 2026 which is tomorrow.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on Nov 04, 2025. The company reported €0.44 earnings per share for the quarter, beating the consensus estimate of €0.36 by €0.08.
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 0.39.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 97,286,480 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of €0.44 in its last earnings report, beating expectations of €0.36. Following the earnings report the stock price went down -9.679%.
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
Outperform
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€42.50 (42.82% Upside)
€42.50 (42.82% Upside)
Blogger Sentiment
Bullish
DE:855 Sentiment 70%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth $3.1M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-41.29%
12-Months-Change
Fundamentals
Return on Equity
4.81%
Trailing 12-Months
Asset Growth
60.58%
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
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
Upstart's Q3 earnings call highlighted strong financial performance, significant growth in transaction volume, and progress in new product segments. However, conservative model adjustments and macroeconomic caution led to reduced conversion rates and a slight shortfall in transaction revenue expectations.View all DE:855 earnings summaries855 Stock 12 Month Forecast
Average Price Target
€42.50
▲(42.82% Upside)
Technical Analysis
Options Prices
Currently, No data available
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