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Upstart Holdings, Inc. (UPST)
:UPST
UPST Stock Chart & Stats
$38.72
-$1.35(-2.24%)
At close: 4:00 PM EST
$38.72
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)7.10M
Market Cap
$3.77B
Enterprise Value$6.69B
Total Cash (Recent Filing)$836.90M
Total Debt (Recent Filing)$1.95B
Price to Earnings (P/E)170.0
Beta3.59
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. Volume8,870,158
30 Day Avg. Volume7,101,462
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 Cap1.78
Enterprise Value/Revenue6.76
Enterprise Value/Gross Profit7.33
Enterprise Value/Ebitda119.17
Forecast
1Y Price Target
$56.45Price Target Upside45.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
AI Model EfficiencyManagement believes the model was likely over-correcting and it has implemented model updates which should reduce monthly fluctuations.
Customer AcquisitionManagement noted it is seeing improved efficiency in customer acquisitions by deploying AI in its customer targeting.
Profitability ImprovementEBITDA came in well above expectations due to fixed cost management as UPST remains committed to boosting profitability.
Bears Say
Delinquency RatesAugust data from Upstart's ABS securitizations shows accelerating delinquencies in both the months of July and August.
Origination TrendsUPST decreased full-year 2025 revenue outlook to $1.035B from $1.055B, reflecting softer origination trends driven by tighter underwriting.
Revenue And GuidanceUPST'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, Inc.’s price range in the past 12 months?
Upstart Holdings, Inc. lowest stock price was $31.40 and its highest was $96.43 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is $3.77B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Feb 17, 2026 which is in 92 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. 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, 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 0.47.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 97,286,480 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. 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, Inc.?
Currently, no hedge funds are holding shares in UPST
Upstart Holdings Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$56.45 (45.79% Upside)
$56.45 (45.79% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 57.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $3.9M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days <0.1%
Last 30 Days ▲ 0.6%
Last 30 Days ▲ 0.6%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-42.53%
12-Months-Change
Fundamentals
Return on Equity
4.81%
Trailing 12-Months
Asset Growth
60.58%
Trailing 12-Months
Company Description
Upstart Holdings, Inc.
Upstart Holdings, Inc. is a technology-driven lending platform that utilizes artificial intelligence and machine learning to streamline the loan origination process. Founded in 2012, the company primarily operates in the financial services sector, focusing on personal loans and offering its services through partnerships with banks and credit unions. Upstart aims to provide access to affordable credit for consumers who may be underserved by traditional lending institutions, leveraging non-traditional data points to assess creditworthiness.
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
▲(45.79% Upside)
Technical Analysis
Ownership Overview
12.84% Insiders
14.52% Mutual Funds
1.70% Other Institutional Investors
57.46% Public Companies and Individual Investors