Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
$27.91
-$1.35(-2.24%)
At close: 4:00 PM EST
$27.91
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$24.93 - $87.30
Previous CloseN/A
Volume1.93M
Average Volume (3M)6.28M
Market Cap
$2.74B
Enterprise Value$3.80B
Total Cash (Recent Filing)$657.45M
Total Debt (Recent Filing)$1.85B
Price to Earnings (P/E)78.3
Beta3.46
Next Earnings
May 12, 2026EPS Estimate
0.36Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.46
Shares Outstanding98,061,280
10 Day Avg. Volume5,722,497
30 Day Avg. Volume6,282,224
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 Cap1.39
Enterprise Value/Revenue3.53
Enterprise Value/Gross Profit3.71
Enterprise Value/Ebitda48.02
Forecast
1Y Price Target
$46.64Price Target Upside67.11% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)2.05
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
Leadership And Operating LeverageAnalyst highlights the co-founder becoming CEO and new senior hires to support AI-driven innovation, which is expected to improve unit economics and drive operating leverage as the business scales.
Origination Transparency And New Lending VerticalsAnalyst points out more frequent origination disclosures and rapid growth in auto and home equity lending provide better visibility for forecasting and multiple avenues for revenue expansion.
Product Differentiation (Cash Line)Analyst notes the Cash Line's revolving structure and lack of expedited-access fees creates a dependable, repeat-use credit product that can generate ongoing interest income and a revenue profile distinct from competitors.
Bears Say
Cyclicality And Macro SensitivityAnalyst warns the business is highly cyclical and sensitive to employment trends, funding conditions, and overall risk appetite, creating potential for sharp swings in originations and earnings.
Margin Pressure From Product Mix And CompetitionAnalyst notes shifts toward lower take-rate loan products and growing competition in earned wage access could compress take rates and contribution margins, reducing revenue per loan.
Regulatory And Licensing CostsAnalyst observes that maintaining licenses across many states imposes large capital and regulatory costs that raise per‑loan expenses and weigh on profitability.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was $24.93 and its highest was $87.30 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is $2.74B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is May 12, 2026 which is in 48 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Feb 10, 2026. The company reported $0.456 earnings per share for the quarter, missing the consensus estimate of $0.461 by -$0.005.
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 0.36.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 98,061,280 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings reported an EPS of $0.456 in its last earnings report, missing expectations of $0.461. Following the earnings report the stock price went down -15.041%.
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:
$46.64 (67.11% Upside)
$46.64 (67.11% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 85%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 3.7M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $193.4K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 0.5%
Last 30 Days ▼ 1.2%
Last 30 Days ▼ 1.2%
News Sentiment
Neutral
Bullish news 43%
Bearish news 57%
Bearish news 57%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-46.28%
12-Months-Change
Fundamentals
Return on Equity
7.29%
Trailing 12-Months
Asset Growth
25.68%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed optimism about improved unit economics driven by larger loan sizes and lower acquisition costs across diverse partner channels, but this optimism is tempered by uncertainty and a lack of quantitative measurement of channel-level contribution. Overall, the messaging is forward-looking and positive in tone, though reliant on assumptions yet to be validated.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$46.64
▲(67.11% Upside)
Technical Analysis
Ownership Overview
12.81% Insiders
11.04% Mutual Funds
16.92% Other Institutional Investors
45.62% Public Companies and Individual Investors