Upstart Holdings, Inc. (UPST)
NASDAQ:UPST
Want to see UPST full AI Analyst Report?
UPST Stock Chart & Stats
$34.57
-$1.35(-2.24%)
At close: 4:00 PM EST
$34.57
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$23.97 - $87.30
Previous CloseN/A
Volume1.93M
Average Volume (3M)4.86M
Market Cap
$3.10B
Enterprise Value$3.96B
Total Cash (Recent Filing)$931.33M
Total Debt (Recent Filing)$1.98B
Price to Earnings (P/E)63.6
Beta3.50
Next Earnings
Aug 11, 2026EPS Estimate
0.57Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding95,711,570
10 Day Avg. Volume4,905,994
30 Day Avg. Volume4,855,894
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 Cap1.28
Enterprise Value/Revenue3.41
Enterprise Value/Gross Profit3.56
Enterprise Value/Ebitda53.89
Forecast
1Y Price Target
$37.00Price Target Upside7.03% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)2.32
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
AI And Modeling LeadershipUpstart's measurable AI/model advantage (material accuracy gains and recovery forecasting) is a durable competitive moat. Better risk prediction supports higher risk-adjusted originations, attracts funding, and enables safer product expansion, sustaining long-term fee revenue and returns.
Capital Platform And Funding ResiliencyA diversified, renewed capital base (>$4B committed, oversubscribed securitizations, 100% renewal rate) materially reduces funding friction. This durable funding access lets Upstart scale originations while limiting reliance on its own balance sheet and smoothing growth through cycles.
New Product Momentum And ScaleRapid growth across auto, home and a new revolving product diversifies revenue and increases platform scale. Durable product expansion widens addressable market, spreads fixed costs across more loans, and supports long-term fee and servicing revenue growth beyond core personal loans.
Bears Say
Elevated Leverage And Capital StructureHigh leverage (debt materially exceeding equity) constrains flexibility and raises refinancing and regulatory risk for a credit-services platform. In stressed markets this capital structure could amplify funding costs or force deleveraging, limiting durable growth options and strategic maneuvering.
Weak And Volatile Cash GenerationNegative operating and free cash flow despite reported earnings signals low cash-conversion and potential working-capital timing or fair-value volatility. Persistently weak cash generation undermines self-funding, raises external capital dependence, and risks slower reinvestment or buybacks over time.
Expense Pressure And Margin CompressionRapid OpEx growth and sequential margin compression reflect front-loaded hiring, marketing and product mix shifts. If higher fixed and variable spends persist or new secured products keep lower take rates, sustainable net margins may lag revenue growth and slow durable profitability improvements.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings, Inc.’s price range in the past 12 months?
Upstart Holdings, Inc. lowest stock price was $23.96 and its highest was $87.30 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is $3.10B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Aug 11, 2026 which is in 51 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on May 05, 2026. The company reported $0.307 earnings per share for the quarter, missing the consensus estimate of $0.42 by -$0.113.
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 0.57.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 95,711,570 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of $0.307 in its last earnings report, missing expectations of $0.42. Following the earnings report the stock price went down -7.924%.
Which hedge fund is a major shareholder of Upstart Holdings, Inc.?
Currently, no hedge funds are holding shares in UPST
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$37.00 (7.03% Upside)
$37.00 (7.03% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 908.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $5.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.3%
Last 30 Days ▼ 1.9%
Last 30 Days ▼ 1.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-45.10%
12-Months-Change
Fundamentals
Return on Equity
6.59%
Trailing 12-Months
Asset Growth
28.98%
Trailing 12-Months
Company Description
Upstart Holdings, Inc.
Through its various subsidiaries, Upstart Holdings Inc. operates an advanced, cloud-hosted artificial intelligence (AI) lending platform across the United States. This platform is designed to gather consumer loan requests and efficiently connect them with its extensive network of banks that leverage Upstart's AI technology. Established in 2012, the company maintains its primary operational base in San Mateo, California.
UPST Company Deck
UPST Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a largely positive outlook: very strong top-line growth (originations +61% YoY, revenue +44% YoY), demonstrable product momentum (auto and home rapid growth, Cashline launch), clear AI/modeling advantages, and a robust capital platform (>$4B committed capital, oversubscribed securitizations, strong vintage performance). Q1 profitability and margins were pressured by seasonality, deliberate front-loaded investments (marketing, hiring, compensation), and mix effects from newer products—resulting in a modest GAAP loss and a sequential dip in contribution margin. Management reiterated full-year guidance (revenue ~ $1.4B and adjusted EBITDA $294M) and emphasized that Q1 is expected to be the low point for contribution margin. Overall, the positive operational and capital developments outweigh the transient expense- and mix-driven headwinds.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$37.00
▲(7.03% Upside)
Technical Analysis
Ownership Overview
13.60% Insiders
11.02% Mutual Funds
10.43% Other Institutional Investors
50.62% Public Companies and Individual Investors