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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
$47.59
-$1.35(-2.24%)
At close: 4:00 PM EST
$47.59
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)5.10M
Market Cap
$4.63B
Enterprise Value$6.69B
Total Cash (Recent Filing)$494.89M
Total Debt (Recent Filing)$1.90B
Price to Earnings (P/E)208.9
Beta3.50
Next Earnings
Feb 17, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.52
Shares Outstanding97,286,480
10 Day Avg. Volume4,426,325
30 Day Avg. Volume5,096,199
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 Cap1.44
Enterprise Value/Revenue6.76
Enterprise Value/Gross Profit7.33
Enterprise Value/Ebitda119.17
Forecast
1Y Price Target
$56.45Price Target Upside18.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)1.68
Revenue Forecast (FY)$1.04B
Bulls Say, Bears Say
Bulls Say
Loan OriginationsTotal loan originations (#) of 428K was nicely above BofAe/consensus at 395k/404K, and management noted it is seeing improved efficiency in customer acquisitions by deploying AI in its customer targeting.
ProfitabilityEBITDA came in well above expectations due to fixed cost management as UPST remains committed to boosting profitability.
ValuationUPST shares are now expected to open at an FY27 P/E multiple of just 14.5x, a notable discount to digital lending peers.
Bears Say
Guidance And Outlook4Q guidance was also below BofAe/consensus and this will likely disappoint investors and could pressure shares near-term.
Origination TrendsOctober 2025 originations still appear to be impacted by the elevated Upstart Macro Index (UMI) levels seen in 3Q25.
Revenue PerformanceUPST's revenue came in below expectations as the AI-powered underwriting model responded to the murky macro with reduced approval rates/raised pricing, resulting in lower conversion rates.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was $31.40 and its highest was $96.43 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is $4.63B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Feb 17, 2026 which is in 58 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Nov 04, 2025. The company reported $0.52 earnings per share for the quarter, beating the consensus estimate of $0.426 by $0.094.
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 0.47.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 97,286,480 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings reported an EPS of $0.52 in its last earnings report, beating expectations of $0.426. Following the earnings report the stock price went down -9.71%.
Which hedge fund is a major shareholder of Upstart Holdings?
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$56.45 (18.62% Upside)
$56.45 (18.62% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 90%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 1.5M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $3.1M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 1.1%
Last 30 Days <0.1%
Last 30 Days <0.1%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-35.85%
12-Months-Change
Fundamentals
Return on Equity
4.81%
Trailing 12-Months
Asset Growth
60.58%
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.
UPST Company Deck
UPST 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 UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$56.45
▲(18.62% Upside)
Technical Analysis
Ownership Overview
12.92% Insiders
14.20% Mutual Funds
20.28% Other Institutional Investors
39.11% Public Companies and Individual Investors