Upstart Holdings, Inc. (UPST)
NASDAQ:UPST
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UPST Stock Chart & Stats
$34.57
-$1.35(-2.24%)
At close: 4:00 PM EST
$34.57
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$23.97 - $87.30
Previous CloseN/A
Volume1.93M
Average Volume (3M)4.78M
Market Cap
$3.13B
Enterprise Value$4.18B
Total Cash (Recent Filing)$931.33M
Total Debt (Recent Filing)$1.98B
Price to Earnings (P/E)66.3
Beta3.41
Next Earnings
Aug 11, 2026EPS Estimate
0.58Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding95,711,570
10 Day Avg. Volume4,792,517
30 Day Avg. Volume4,783,940
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 Cap1.33
Enterprise Value/Revenue3.59
Enterprise Value/Gross Profit3.75
Enterprise Value/Ebitda56.80
Forecast
1Y Price Target
$37.75Price Target Upside9.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)2.27
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
Bank Charter PotentialApplication for a national bank charter could reduce reliance on third-party funding, lower funding costs, expand interest income opportunities, and improve unit economics if regulators approve the plan.
Origination GrowthReported origination volumes exceeded consensus expectations, signaling stronger loan generation that supports revenue growth and suggests underwriting metrics have stabilized.
Product Differentiation — Cash LineThe Cash Line's revolving structure, no expedited access fees, and focus on prime borrowers create a distinct credit and higher-margin revenue profile compared with one-off competitor offerings.
Bears Say
Funding And Private Credit RiskHeadlines about private credit redemptions and asset quality concerns raise the risk of tighter funding conditions, which could increase costs and strain liquidity if market sentiment remains negative.
Regulatory And Execution CostsMaintaining licenses across many states and the execution challenge of scaling secured products increase per-loan regulatory and operational costs, posing a risk to margins as the business expands.
Uncertain Contribution From New VerticalsGrowth rates slowed modestly and the extent to which new products such as auto loans and home equity lines will meaningfully contribute remains unclear, creating uncertainty about future top-line momentum.
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 $87.30 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is $3.13B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Aug 11, 2026 which is in 73 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on May 05, 2026. The company reported $0.307 earnings per share for the quarter, missing the consensus estimate of $0.42 by -$0.113.
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 0.58.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 95,711,570 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of $0.307 in its last earnings report, missing expectations of $0.42. Following the earnings report the stock price went down -7.924%.
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:
$37.75 (9.20% Upside)
$37.75 (9.20% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 908.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $5.6M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.1%
Last 30 Days ▲ 0.2%
Last 30 Days ▲ 0.2%
News Sentiment
Neutral
Bullish news 59%
Bearish news 43%
Bearish news 43%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-27.62%
12-Months-Change
Fundamentals
Return on Equity
6.59%
Trailing 12-Months
Asset Growth
28.98%
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. 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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a largely positive outlook: very strong top-line growth (originations +61% YoY, revenue +44% YoY), demonstrable product momentum (auto and home rapid growth, Cashline launch), clear AI/modeling advantages, and a robust capital platform (>$4B committed capital, oversubscribed securitizations, strong vintage performance). Q1 profitability and margins were pressured by seasonality, deliberate front-loaded investments (marketing, hiring, compensation), and mix effects from newer products—resulting in a modest GAAP loss and a sequential dip in contribution margin. Management reiterated full-year guidance (revenue ~ $1.4B and adjusted EBITDA $294M) and emphasized that Q1 is expected to be the low point for contribution margin. Overall, the positive operational and capital developments outweigh the transient expense- and mix-driven headwinds.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$37.75
▲(9.20% Upside)
Technical Analysis
Ownership Overview
13.51% Insiders
11.02% Mutual Funds
10.43% Other Institutional Investors
51.51% Public Companies and Individual Investors