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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)7.58M
Market Cap
$6.07B
Enterprise Value$7.49B
Total Cash (Recent Filing)$400.56M
Total Debt (Recent Filing)$1.47B
Price to Earnings (P/E)―
Beta3.58
Next Earnings
Nov 11, 2025EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.36
Shares Outstanding96,217,740
10 Day Avg. Volume6,790,074
30 Day Avg. Volume7,581,316
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)N/A
P/FCF RatioN/A
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue8.80
Enterprise Value/Gross Profit8.93
Enterprise Value/Ebitda-1.23K
Forecast
1Y Price Target
$70.83Price Target Upside5.75% Upside
Rating ConsensusHold
Number of Analyst Covering9
Bulls Say, Bears Say
Bulls Say
EarningsUPST posted strong results, with estimates coming in well above Street expectations on both top and bottom lines.
ProfitabilityUPST is returning to profitability, which is expected to increase its value for investors.
User GrowthWebsite traffic to upstart.com, monthly active users of the UPST app, and Trustpilot reviews for UPST showed strong year-over-year increases, up 22%, 144%, and 180% respectively.
Bears Say
ExpectationsShares are trading lower due to high expectations not being fully met.
Revenue RiskA key risk is that loan originations are strong but take rates compress, driving revenue below expectations.
Take RateTake rate continued to decline, which was a concern despite being slightly better than forecast.
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 $6.07B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Nov 11, 2025 which is in 55 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Aug 05, 2025. The company reported $0.36 earnings per share for the quarter, beating the consensus estimate of $0.254 by $0.106.
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 0.42.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 96,217,740 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings reported an EPS of $0.36 in its last earnings report, beating expectations of $0.254. Following the earnings report the stock price went down -18.736%.
Which hedge fund is a major shareholder of Upstart Holdings?
Currently, no hedge funds are holding shares in UPST
Upstart Holdings Stock Smart Score
Neutral
1
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5
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7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$70.83 (5.75% Upside)
$70.83 (5.75% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 74%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Increased
By 65.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $66.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.9%
Last 30 Days ▲ 4.3%
Last 30 Days ▲ 4.3%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
74.78%
12-Months-Change
Fundamentals
Return on Equity
-0.96%
Trailing 12-Months
Asset Growth
36.13%
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
Q2 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call for Upstart's second quarter of 2025 presented a largely positive outlook. The company achieved significant revenue growth and returned to GAAP profitability earlier than anticipated. Strong performance in the Auto and Home segments and advancements in AI models contributed to this success. However, increased balance sheet usage and challenges with fair value adjustments were noted as areas for improvement.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$70.83
▲(5.75% Upside)
Technical Analysis
Ownership Overview
12.99% Insiders
14.02% Mutual Funds
19.93% Other Institutional Investors
36.88% Public Companies and Individual Investors