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Upstart Holdings, Inc. (UPST)
:UPST
UPST Stock Chart & Stats
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)5.60M
Market Cap
$7.86B
Enterprise Value$7.49B
Total Cash (Recent Filing)$437.19M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)―
Beta3.76
Next Earnings
Nov 11, 2025EPS Estimate
0.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.36
Shares Outstanding95,144,860
10 Day Avg. Volume5,944,657
30 Day Avg. Volume5,598,237
Financial Highlights & Ratios
PEG Ratio0.86
Price to Book (P/B)8.70
Price to Sales (P/S)8.76
P/FCF Ratio29.69
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue8.80
Enterprise Value/Gross Profit12.76
Enterprise Value/Ebitda-574.27
Forecast
1Y Price Target
$63.78Price Target Upside-22.80% Downside
Rating ConsensusHold
Number of Analyst Covering10
Bulls Say, Bears Say
Bulls Say
Partnership ExpansionUPST has continued signing new bank and credit union partners to its platform, including 4 new partner announcements.
Profitability OutlookUPST is returning to profitability and this is expected to continue prospectively, which is likely to increase its value for investors.
User GrowthWebsite traffic to upstart.com, monthly active users of the UPST app, and Trustpilot reviews for UPST all showed strong year-over-year increases, up 22%, 144%, and 180% respectively.
Bears Say
Credit Market RisksRisks are weaker consumer credit, a funding pullback from private credit, and execution risk.
Revenue Guidance Concerns2Q25 revenue guidance of USD225mn disappointed markets, as management cited potential re-inflation could make things less affordable for consumers.
Revenue RiskA key risk is that loan originations are strong but take rates compress, which drives revenue below expectations.
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 $7.86B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Nov 11, 2025 which is in 95 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. 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, Inc. overvalued?
According to Wall Street analysts Upstart Holdings, Inc.’s price is currently Overvalued.
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 0.44.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 95,144,860 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of $0.36 in its last earnings report, beating expectations of $0.254. Following the earnings report the stock price went same N/A.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$63.78 (-22.80% Downside)
$63.78 (-22.80% Downside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Increased
By 1.0M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $986.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▲ 0.3%
Last 30 Days ▼ 1.8%
Last 30 Days ▼ 1.8%
News Sentiment
Neutral
Bullish news 59%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
181.27%
12-Months-Change
Fundamentals
Return on Equity
-0.96%
Trailing 12-Months
Asset Growth
36.13%
Trailing 12-Months
Company Description
Upstart Holdings, Inc.
Upstart Holdings, Inc. is a financial technology company that leverages artificial intelligence and machine learning to provide personal loans and credit services. The company operates primarily in the financial services sector, offering a platform that connects consumers with partner banks and credit unions to obtain affordable credit. Upstart aims to improve access to credit and reduce the risk of lending through its innovative underwriting model that goes beyond traditional credit scores.
UPST Company Deck
UPST Earnings Call
Q2 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call highlights robust revenue and origination growth, with significant advancements in AI technology and new capital partnerships. However, challenges include a decline in contribution margins and a GAAP net loss. Despite macroeconomic uncertainties, the company expresses optimism about future growth and technological leadership.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$63.78
▼(-22.80% Downside)
Technical Analysis
Ownership Overview
13.17% Insiders
17.02% Mutual Funds
0.12% Other Institutional Investors
54.53% Public Companies and Individual Investors