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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
$28.28
-$1.35(-2.24%)
At close: 4:00 PM EST
$28.28
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$25.60 - $87.30
Previous CloseN/A
Volume1.93M
Average Volume (3M)5.14M
Market Cap
$2.77B
Enterprise Value$3.97B
Total Cash (Recent Filing)$657.45M
Total Debt (Recent Filing)$1.85B
Price to Earnings (P/E)65.8
Beta3.55
Next Earnings
May 12, 2026EPS Estimate
0.39Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.46
Shares Outstanding98,061,280
10 Day Avg. Volume5,148,450
30 Day Avg. Volume5,143,016
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 Cap1.43
Enterprise Value/Revenue3.69
Enterprise Value/Gross Profit3.87
Enterprise Value/Ebitda50.10
Forecast
1Y Price Target
$49.70Price Target Upside75.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)2.13
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
Credit QualityShift toward prime borrowers and improving delinquency trends in newer securitized cohorts indicate potentially lower credit losses and more stable loan performance.
Leadership And StrategyA co-founder becoming CEO alongside senior hires signals continuity and strengthens the company's focus on AI-driven innovation and executing its growth plan.
Product DifferentiationCash Line's revolving credit structure, always-available approved lines, and no-expedited-fee policy differentiate the offering from peers and support steady interest income and repeat customer usage.
Bears Say
Execution Risk For New Loan ProductsScaling secured auto loans and home equity products carries execution risk because their unit economics are more uncertain than the core business.
Funding And Margin PressureNew funding partnerships and a smaller balance sheet have lowered interest income and contributed to compression in take rates and contribution margins.
Product Integration RiskAbsence of integration with customers' bank accounts may reduce repayment automation and limit access to account-level data used for accurate risk assessment.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was $25.60 and its highest was $87.30 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is $2.77B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is May 12, 2026 which is in 70 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 0.39.
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
Underperform
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Analyst Consensus
Moderate Buy
Average Price Target:
$49.70 (75.74% Upside)
$49.70 (75.74% 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
Very Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▼ 2.5%
Last 30 Days ▼ 2.5%
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-59.19%
12-Months-Change
Fundamentals
Return on Equity
7.49%
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
$49.70
▲(75.74% Upside)
Technical Analysis
Ownership Overview
12.93% Insiders
13.80% Mutual Funds
3.22% Other Institutional Investors
56.50% Public Companies and Individual Investors