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UPST Stock Chart & Stats
$26.93
$0.71(2.64%)
At close: 4:00 PM EDT
$26.93
$0.71(2.64%)
Day’s Range― - ―
52-Week Range$23.97 - $76.95
Previous CloseN/A
Volume1.56M
Average Volume (3M)3.96M
Market Cap
$2.95B
Enterprise Value$4.93K
Total Cash (Recent Filing)$455.96M
Total Debt (Recent Filing)$2.03B
Price to Earnings (P/E)48.8
Beta3.62
Next Earnings
Nov 10, 2026EPS Estimate
0.2Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.62
Shares Outstanding97,313,050
10 Day Avg. Volume3,176,236
30 Day Avg. Volume3,956,678
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$42.91Price Target Upside59.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)0.71
Revenue Forecast (FY)$1.42B
Bulls Say, Bears Say
Bulls Say
Funding Strength And Capital PartnershipsMaterial new committed capacity and multiple securitizations expand durable funding bandwidth, reducing dependence on ad‑hoc capital. Larger, recurring funding relationships and tighter ABS spreads support sustained origination capacity and help stabilize fee revenue over the next several quarters.
Strong Origination And Revenue MomentumRapid, broad-based origination growth signals durable customer and partner adoption of the platform. Higher originations directly drive transaction and servicing fee revenue and improve leverage on fixed costs, supporting sustainable revenue growth and contribution profit expansion over multiple quarters.
Product And Operational Efficiency AdvantagesContinual model improvements, faster inference and very high automation materially lower per-loan costs and speed underwriting. These structural tech capabilities enhance underwriting consistency, enable scale with limited marginal costs, and provide a durable competitive edge in platform economics.
Bears Say
Weak Cash-flow ConversionSustained negative operating and free cash flow despite GAAP profitability indicates fragile earnings quality and inconsistent cash conversion. This structural cash burn raises reliance on external funding, elevates refinancing and execution risk, and constrains discretionary investments or balance sheet optionality.
Secured Products Still Loss-makingAlthough improving rapidly, secured products remain structurally unprofitable today and require continued scale and margin improvement to be accretive. Ongoing losses demand capital support or cross-subsidies, slowing overall margin recovery and adding execution and credit risk if trends stall.
Elevated Operating Expense And SBC VariabilityRapid OpEx growth and stock-based compensation volatility compress margins and amplify cash-flow variability. Persistent step-ups in fixed costs reduce operating leverage, making sustained profitability contingent on disciplined cost control as originations scale and reducing predictability of free cash flow.
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 $76.95 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is $2.95B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Nov 10, 2026 which is in 79 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on Aug 04, 2026. The company reported $0.16 earnings per share for the quarter, missing the consensus estimate of $0.178 by -$0.018.
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 0.2.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 97,313,050 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of $0.16 in its last earnings report, missing expectations of $0.178. Following the earnings report the stock price went down -0.396%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$42.91 (59.34% Upside)
$42.91 (59.34% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 82%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 12.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.0M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.5%
Last 30 Days ▼ 2.5%
Last 30 Days ▼ 2.5%
News Sentiment
Very Bullish
Bullish news 83%
Bearish news 17%
Bearish news 17%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-67.43%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
27.98%
Trailing 12-Months
Company Description
Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
UPST Company Deck
UPST Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong execution: record contribution profit, a return to GAAP profitability, robust origination growth (notably in core personal loans and secured products), meaningful improvement in secured product margins, and materially strengthened funding relationships. Management reiterated full-year guidance despite a modest macro headwind (UMI), emphasized capital discipline (sunsetting non-core lines), and signaled upcoming operational upside from the conditional bank approval and ongoing model/infrastructure improvements. The primary risks noted were still-negative secured margins (albeit rapidly improving), elevated year-over-year operating expense growth (with some one-time items), and sensitivity to UMI-driven macro conditions that caused a modest slow in July volumes. Overall, positive business momentum and strong funding give confidence, balanced with short-term macro sensitivity and continued investment-related expense cadence.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$42.91
▲(59.34% Upside)
Technical Analysis
Ownership Overview
13.34% Insiders
11.06% Mutual Funds
10.84% Other Institutional Investors
50.00% Public Companies and Individual Investors