Upstart Holdings, Inc. UPST
22.25 USD +0.36 (+1.64%)
At closeNov 9, 2026, 5:17 PM EST
22.36 +0.11 +0.49%
After hours · Nov 9, 5:17 PM ET
21.70 Day range 22.61
20.60 52-week range 52.10
- YTD
- -49.12%
- 1 year
- -42.36%
- Market cap
- 2.20B
- Revenue (ttm)
- 1.38B
- Profit margin
- 4.71%
- EPS (ttm)
- 0.61
- Shares out
- 98.91M
- P/E ratio
- 36.48
- Forward P/E
- 7.43
- YTD return
- -49.12%
- 1-year return
- -42.36%
- Volume
- 4.38M
- Avg volume
- 4.43M
- Open
- 22.03
- Previous close
- 21.89
- Day's range
- 21.70 – 22.61
- 52-week range
- 20.60 – 52.10
- Beta
- 2.43
- Analysts
- Buy
- Price target
- 31.19 (+40.2%)
- Earnings date
- Feb 9, 2027
5D +1.37 (+6.56%)
Key statistics
- Enterprise value
- 3.82B
- PEG ratio
- 0.00
- Price / sales
- 1.59
- Price / book
- 2.48
- Dividend yield
- 0.00%
- Payout ratio
- 0.00%
- Revenue growth
- 34.10%
- Free cash flow
- 115.28M
- Total cash
- 463.19M
- Total debt
- 2.11B
- Return on equity
- 7.98%
- Short % of float
- 31.02%
- 50-day average
- 24.50
- 200-day average
- 29.26
Analyst view
Consensus: buy
Buy
Price target (mean) 31.19 +40.2% upside
Now 22.25
- Target (low)
- 18.00
- Target (mean)
- 31.19
- Target (high)
- 46.00
Ratings (0m) 16 8 buy · 7 hold · 1 sell
- Strong buy2
- Buy6
- Hold7
- Sell0
- Strong sell1
Next earnings
Feb 9, 2027
Expected Feb 9, 2027. Consensus EPS estimate 0.37667.
Financials — quick view
UPST Revenue — quarterly 370.52M
UPST Net income — quarterly 36.58M
UPST EPS — quarterly 0.37
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Feb 9, 2027 | Dec 30, 2026 | 0.00419 | — | — | — |
| Nov 3, 2026 | Sep 30, 2026 | 0.2015 | 0.33 | +0.13 | +63.77% |
| Aug 4, 2026 | Jun 30, 2026 | 0.1782 | 0.16 | -0.02 | -10.21% |
| May 5, 2026 | Mar 31, 2026 | 0.39 | -0.0686 | -0.46 | -117.59% |
| Feb 10, 2026 | Dec 31, 2025 | 0.47 | 0.46 | -0.01 | -2.13% |
| Nov 4, 2025 | Sep 30, 2025 | 0.42 | 0.52 | +0.10 | +23.81% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Nov 4, 2026 | Citigroup | main | Buy | Buy |
| Nov 4, 2026 | Stephens & Co. | main | Equal-Weight | Equal-Weight |
| Nov 4, 2026 | Morgan Stanley | main | Equal-Weight | Equal-Weight |
| Nov 4, 2026 | Goldman Sachs | main | Neutral | Neutral |
| Nov 4, 2026 | Truist Securities | main | Buy | Buy |
| Nov 4, 2026 | B. Riley Securities | reit | Buy | Buy |
About Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- United States
- Website
- upstart.com
News
Upstart: Falling Knife Risks Meet Resilient, Fee-Based Monetization Opportunities 
Citigroup Maintains Buy on Upstart Holdings, Lowers Price Target to $46 
Upstart Is Still Down 46% This Year: Did Today Just Mark the Bottom for UPST Stock? 
Stephens & Co. Maintains Equal-Weight on Upstart Holdings, Lowers Price Target to $24 
Morgan Stanley Maintains Equal-Weight on Upstart Holdings, Lowers Price Target to $24 
Goldman Sachs Maintains Neutral on Upstart Holdings, Lowers Price Target to $24 - Truist Securities Maintains Buy on Upstart Holdings, Lowers Price Target to $30
UPST Q3 Earnings Call Highlights Macro Risks and Revised Outlook - B. Riley Securities Reiterates Buy on Upstart Holdings, Lowers Price Target to $42
3 Key Takeaways From Upstart's Latest Report
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Insider holders
| Insider | Relation | Latest transaction | Date | Shares held |
|---|---|---|---|---|
| BLANKMEYER ANDREA | Chief Financial Officer | Sale | Aug 18, 2026 | 152,208 |
| COOPER KERRY WHORTON | Director | Stock Award(Grant) | May 28, 2026 | 36,183 |
| DARLING SCOTT L | Officer | Sale | Aug 19, 2026 | 119,916 |
| DATTA SANJAY | Officer | Conversion of Exercise of derivative security | Sep 7, 2026 | 476,578 |
| GIROUARD DAVID | Director and Beneficial Owner of more than 10% of a Class of Security | Purchase | May 6, 2026 | 0 |
| GU PAUL | Chief Executive Officer | Purchase | Sep 9, 2026 | 0 |
Institution ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| Blackrock Inc. | 7.97% | 7,878,717 | 175.30M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 3.78% | 3,739,758 | 83.21M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 3.74% | 3,698,553 | 82.29M | Jun 29, 2026 |
| Morgan Stanley | 2.44% | 2,414,712 | 53.73M | Jun 29, 2026 |
| Goldman Sachs Group Inc | 2.42% | 2,395,222 | 53.29M | Jun 29, 2026 |
| Marshall Wace LLP | 2.40% | 2,370,690 | 52.75M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 2.60% | 2,575,842 | 57.31M | Jun 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.27% | 2,244,932 | 49.95M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 1.88% | 1,863,062 | 41.45M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Growth Index Fund | 1.08% | 1,070,193 | 23.81M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Extended Market Index Fund | 0.98% | 967,405 | 21.52M | Jun 29, 2026 |
| Fidelity Commonwealth Trust II-Fidelity Enhanced Small Cap Core ETF | 0.98% | 974,134 | 21.67M | Sep 29, 2026 |