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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
$38.85
-$1.35(-2.24%)
At close: 4:00 PM EST
$38.85
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)3.70M
Market Cap
$3.72B
Enterprise Value$5.18B
Total Cash (Recent Filing)$494.89M
Total Debt (Recent Filing)$1.90B
Price to Earnings (P/E)170.5
Beta3.50
Next Earnings
May 12, 2026EPS Estimate
0.46Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.46
Shares Outstanding97,286,480
10 Day Avg. Volume3,604,865
30 Day Avg. Volume3,704,110
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 Cap1.39
Enterprise Value/Revenue5.23
Enterprise Value/Gross Profit5.68
Enterprise Value/Ebitda92.31
Forecast
1Y Price Target
$45.00Price Target Upside15.83% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Credit Metrics ImprovementStabilizing delinquency trends across recent loan cohorts and a normalized monthly credit index indicate improving asset quality that can enable higher lending activity.
Origination GrowthOnline application activity and conservative analyst modeling suggest loan originations could grow faster than consensus, supporting potential revenue upside.
Securitization PerformanceBetter early-stage delinquency performance in recent securitizations reduces legacy credit risk and may free capacity to increase transaction volumes.
Bears Say
Earnings Volatility And ValuationEarnings volatility coupled with elevated short interest and current valuation multiples raises downside risk if reported results fail to impress.
Young Loan Cohort Credit RiskAdverse early loss development in the newest loan cohort could pressure credit outcomes and force higher loss provisions than expected.
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 $3.72B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is May 12, 2026 which is in 90 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Feb 10, 2026. The company reported $0.456 earnings per share for the quarter, missing the consensus estimate of $0.461 by -$0.005.
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 0.46.
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 $0.456 in its last earnings report, missing expectations of $0.461. 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
Hold
Average Price Target:
$45.00 (15.83% Upside)
$45.00 (15.83% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 87%
Sector Average 71%
Sector Average 71%
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
Very Negative
Last 7 Days ▼ 0.3%
Last 30 Days ▼ 10.5%
Last 30 Days ▼ 10.5%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-43.57%
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
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 UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$45.00
▲(15.83% Upside)
Technical Analysis
Ownership Overview
12.91% Insiders
13.84% Mutual Funds
0.02% Other Institutional Investors
59.67% Public Companies and Individual Investors