Upstart Holdings (DE:855)
FRANKFURT:855
855 Stock Chart & Stats
€23.18
-€0.82(-1.44%)
At close: 4:00 PM EST
€23.18
-€0.82(-1.44%)
Day’s Range― - ―
52-Week Range€20.73 - €72.93
Previous CloseN/A
Volume15.00
Average Volume (3M)238.00
Market Cap
€2.29B
Enterprise Value€3.87B
Total Cash (Recent Filing)€657.45M
Total Debt (Recent Filing)€1.85B
Price to Earnings (P/E)78.3
Beta1.80
Next Earnings
May 05, 2026EPS Estimate
0.34Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.39
Shares Outstanding98,061,280
10 Day Avg. Volume200
30 Day Avg. Volume238
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
€37.73Price Target Upside62.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)1.71
Revenue Forecast (FY)€1.21B
Bulls Say, Bears Say
Bulls Say
Bank Charter PotentialApplication for a national bank charter could reduce reliance on third-party funding, lower funding costs, expand interest income opportunities, and improve unit economics if regulators approve the plan.
Origination GrowthReported origination volumes exceeded consensus expectations, signaling stronger loan generation that supports revenue growth and suggests underwriting metrics have stabilized.
Product Differentiation — Cash LineThe Cash Line's revolving structure, no expedited access fees, and focus on prime borrowers create a distinct credit and higher-margin revenue profile compared with one-off competitor offerings.
Bears Say
Funding And Private Credit RiskHeadlines about private credit redemptions and asset quality concerns raise the risk of tighter funding conditions, which could increase costs and strain liquidity if market sentiment remains negative.
Regulatory And Execution CostsMaintaining licenses across many states and the execution challenge of scaling secured products increase per-loan regulatory and operational costs, posing a risk to margins as the business expands.
Uncertain Contribution From New VerticalsGrowth rates slowed modestly and the extent to which new products such as auto loans and home equity lines will meaningfully contribute remains unclear, creating uncertainty about future top-line momentum.
Upstart Holdings News
855 FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was €20.73 and its highest was €72.93 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is €2.29B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is May 05, 2026 which is in 22 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Feb 10, 2026. The company reported €0.39 earnings per share for the quarter, missing the consensus estimate of €0.394 by -€0.004.
Is Upstart Holdings overvalued?
According to Wall Street analysts Upstart Holdings’s price is currently Undervalued.
Does Upstart Holdings pay dividends?
Upstart Holdings does not currently pay dividends.
What is Upstart Holdings’s EPS estimate?
Upstart Holdings’s EPS estimate is 0.34.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 98,061,280 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings reported an EPS of €0.39 in its last earnings report, missing expectations of €0.394. Following the earnings report the stock price went down -11.089%.
Which hedge fund is a major shareholder of Upstart Holdings?
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€37.73 (62.76% Upside)
€37.73 (62.76% Upside)
Blogger Sentiment
Bullish
DE:855 Sentiment 82%
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 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-29.28%
12-Months-Change
Fundamentals
Return on Equity
7.29%
Trailing 12-Months
Asset Growth
25.68%
Trailing 12-Months
Company Description
Upstart Holdings
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
€37.73
▲(62.76% Upside)
Technical Analysis
Options Prices
Currently, No data available
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