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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
$46.45
-$1.35(-2.24%)
At close: 4:00 PM EST
$46.45
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)4.36M
Market Cap
$4.52B
Enterprise Value$6.69B
Total Cash (Recent Filing)$494.89M
Total Debt (Recent Filing)$1.90B
Price to Earnings (P/E)203.9
Beta3.43
Next Earnings
Feb 10, 2026EPS Estimate
0.46Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.52
Shares Outstanding97,286,480
10 Day Avg. Volume4,502,094
30 Day Avg. Volume4,364,504
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 Cap1.48
Enterprise Value/Revenue6.76
Enterprise Value/Gross Profit7.33
Enterprise Value/Ebitda119.17
Forecast
1Y Price Target
$56.73Price Target Upside22.13% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)2.37
Revenue Forecast (FY)$1.27B
Bulls Say, Bears Say
Bulls Say
Capital Partner AgreementsPlanned agreements with capital partners aim to lower balance sheet utilization while maintaining returns, potentially increasing the company’s capacity to support more originations.
Cost-driven Profitability ImprovementEBITDA outperformance driven by fixed-cost management demonstrates a focus on operating leverage and improving profitability independent of volume trends.
Credit Performance NormalizationMonthly securitization data show improving credit metrics and reduced early-stage delinquencies across loan categories, supporting more stable loan performance going forward.
Bears Say
Competitive Pressure For Prime BorrowersHigher prepayment levels and stronger competition for prime borrowers suggest reduced pricing power, which could pressure future transaction volumes and fee revenue.
Guidance-driven Investor SkepticismRevenue misses and lowered near-term guidance have heightened investor skepticism and raised downside valuation risk for a stock with limited downside protection.
Underwriting Tightening And Origination PressureThe AI-driven underwriting model has tightened approvals and increased pricing, reducing conversion rates and weighing on loan originations and revenue growth.
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 $4.52B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Feb 10, 2026 which is in 26 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 0.46.
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 $0.52 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:
$56.73 (22.13% Upside)
$56.73 (22.13% 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
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 4.6%
Last 30 Days ▼ 4.6%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-18.50%
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
$56.73
▲(22.13% Upside)
Technical Analysis
Ownership Overview
12.91% Insiders
13.84% Mutual Funds
0.02% Other Institutional Investors
59.67% Public Companies and Individual Investors