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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
$38.58
-$1.35(-2.24%)
At close: 4:00 PM EST
$38.58
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)3.58M
Market Cap
$3.69B
Enterprise Value$5.09B
Total Cash (Recent Filing)$494.89M
Total Debt (Recent Filing)$1.90B
Price to Earnings (P/E)166.5
Beta3.48
Next Earnings
Feb 10, 2026EPS Estimate
0.46Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.52
Shares Outstanding97,286,480
10 Day Avg. Volume3,143,179
30 Day Avg. Volume3,583,961
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 Cap1.38
Enterprise Value/Revenue5.14
Enterprise Value/Gross Profit5.58
Enterprise Value/Ebitda90.70
Forecast
1Y Price Target
$50.25Price Target Upside30.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
AI Customer Acquisition EfficiencyDeployment of AI to improve customer targeting has increased acquisition efficiency, which can raise originations without proportional increases in marketing spend.
Capital Partner AgreementsPlans to sign additional agreements with capital partners could reduce balance sheet utilization while preserving returns, lowering funding risk and supporting valuation.
Credit Performance NormalizationImproving early-stage delinquency trends across recent securitizations indicate credit normalization that could enable the company to increase loan originations.
Bears Say
Competitive Pressure And Prepayment RiskHigher prepayment levels point to stronger competition for prime borrowers, which can compress fee revenue and reduce forward return expectations from lending partners.
Emerging Early-loss Risk In Newest CohortsWeakness in the youngest loan cohort could signal developing early loss trends that would pressure credit outcomes and earnings.
Underwriting Tightening And Conversion DeclineModel-driven tightening in underwriting has raised loan pricing and lowered conversion rates, weighing on transaction volumes and revenue.
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 $3.69B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Feb 10, 2026 which is in 5 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings 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 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 0.46.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 97,286,480 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings 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?
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:
$50.25 (30.25% Upside)
$50.25 (30.25% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 87%
Sector Average 71%
Sector Average 71%
Hedge Fund Trend
Increased
By 1.5M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $3.1M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 6.9%
Last 30 Days ▼ 9.9%
Last 30 Days ▼ 9.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-38.92%
12-Months-Change
Fundamentals
Return on Equity
4.81%
Trailing 12-Months
Asset Growth
60.58%
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
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
$50.25
▲(30.25% Upside)
Technical Analysis
Ownership Overview
12.91% Insiders
13.84% Mutual Funds
0.02% Other Institutional Investors
59.67% Public Companies and Individual Investors