Upstart Holdings, Inc. UPST
Set alert
21.31 USD -1.71 -7.43%
At close · Nov 2
21.80 +0.49 +2.30%
After hours · Nov 2, 7:58 PM ET
20.97 Day range 23.50
20.97 52-week range 52.10
- YTD
- -51.27%
- 1 year
- -55.16%
- Open
- 23.39
- Prev close
- 23.02
- Mkt cap
- 2.07B
- Vol
- 12.31M
- Avg vol
- 4.33M
- EPS
- 0.50
- P/E
- 42.62
- Div yield
- 0.00%
More statistics
- Low
- 20.97
- High
- 23.50
- Forward P/E
- 6.06
- Beta
- 2.43
- Short ratio
- 6.12
- Inst. own
- 62.33%
- Dividend
- 0.00
- Ex-div date
- Earnings
- Nov 3, 2026
- 50-d avg
- 25.33
- 200-d avg
- 29.88
- 1y target
- 37.94
MAX chart
Events in this range
- Aug 5, 2025Earnings: 0.36; estimate 0.27; surprise 33.33%
- Nov 4, 2025Earnings: 0.52; estimate 0.42; surprise 23.81%
- Feb 10, 2026Earnings: 0.46; estimate 0.47; surprise -2.13%
- May 5, 2026Earnings: -0.0686; estimate 0.39; surprise -117.59%
- Aug 4, 2026Earnings: 0.16; estimate 0.1782; surprise -10.21%
- Aug 5, 2026Rating: Piper Sandler · Overweight → Overweight
- Aug 5, 2026Rating: Needham · Buy → Buy
- Sep 9, 2026Rating: Loop Capital · — → Hold
- Sep 22, 2026Rating: BTIG · Buy → Buy
- Oct 13, 2026Rating: Goldman Sachs · Neutral → Neutral
- Oct 15, 2026Rating: Citizens · Market Underperform → Market Underperform
- Nov 3, 2026Earnings: —; estimate 0.2065; surprise —%
Signals (92)
| Name | Date | Ago |
|---|---|---|
| MACD: Sell Signal | Sep 14, 2026 | 1 month ago |
| SMA: Bearish | Aug 10, 2026 | 2 months ago |
| SMA: Bullish | Aug 3, 2026 | 3 months ago |
| SMA: Bearish | Jul 13, 2026 | 3 months ago |
| SMA: Bearish | Jul 6, 2026 | 3 months ago |
| SMA: Bullish | Jun 29, 2026 | 4 months ago |
| SMA: Bullish | Jun 15, 2026 | 4 months ago |
| SMA: Bearish | Jun 1, 2026 | 5 months ago |
| SMA: Bullish | May 25, 2026 | 5 months ago |
| SMA: Bearish | May 18, 2026 | 5 months ago |
| SMA: Bullish | Apr 13, 2026 | 6 months ago |
| MACD: Buy Signal | Apr 13, 2026 | 6 months ago |
| RSI: Oversold | Mar 23, 2026 | 7 months ago |
| MACD: Sell Signal | Jan 26, 2026 | 9 months ago |
| SMA: Bearish | Jan 19, 2026 | 9 months ago |
| MACD: Buy Signal | Jan 5, 2026 | 10 months ago |
| SMA: Bullish | Dec 1, 2025 | 11 months ago |
| SMA: Bearish | Sep 22, 2025 | 1 year ago |
| MACD: Sell Signal | Sep 8, 2025 | 1 year ago |
| SMA: Bearish | Sep 1, 2025 | 1 year ago |
| SMA: Bullish | Aug 25, 2025 | 1 year ago |
| SMA: Bearish | Aug 11, 2025 | 1 year ago |
| SMA: Bullish | Jun 23, 2025 | 1 year ago |
| MACD: Buy Signal | Jun 16, 2025 | 1 year ago |
| SMA: Bullish | May 26, 2025 | 1 year ago |
| SMA: Bearish | May 19, 2025 | 1 year ago |
| SMA: Bullish | Apr 28, 2025 | 1 year ago |
| SMA: Bearish | Mar 3, 2025 | 1 year ago |
| SMA: Bearish | Feb 24, 2025 | 1 year ago |
| SMA: Bullish | Feb 3, 2025 | 1 year ago |
| MACD: Sell Signal | Jan 6, 2025 | 1 year ago |
| SMA: Bearish | Dec 16, 2024 | 1 year ago |
| RSI: Overbought | Nov 18, 2024 | 1 year ago |
| RSI: Overbought | Nov 4, 2024 | 1 year ago |
| RSI: Overbought | Oct 14, 2024 | 2 years ago |
| SMA: Bullish | Aug 5, 2024 | 2 years ago |
| SMA: Bullish | Aug 5, 2024 | 2 years ago |
| SMA: Bearish | Jul 29, 2024 | 2 years ago |
| SMA: Bearish | Jul 22, 2024 | 2 years ago |
| SMA: Bullish | Jul 15, 2024 | 2 years ago |
| SMA: Bullish | Jul 8, 2024 | 2 years ago |
| MACD: Buy Signal | Jul 1, 2024 | 2 years ago |
| SMA: Bearish | Jun 10, 2024 | 2 years ago |
| MACD: Sell Signal | Jun 10, 2024 | 2 years ago |
| MACD: Buy Signal | Jun 3, 2024 | 2 years ago |
| SMA: Bullish | May 27, 2024 | 2 years ago |
| SMA: Bearish | May 20, 2024 | 2 years ago |
| SMA: Bullish | May 6, 2024 | 2 years ago |
| MACD: Sell Signal | Jan 29, 2024 | 2 years ago |
| SMA: Bearish | Jan 1, 2024 | 2 years ago |
| SMA: Bearish | Jan 1, 2024 | 2 years ago |
| SMA: Bullish | Dec 4, 2023 | 2 years ago |
| MACD: Buy Signal | Dec 4, 2023 | 2 years ago |
| SMA: Bullish | Nov 27, 2023 | 2 years ago |
| SMA: Bearish | Nov 6, 2023 | 2 years ago |
| SMA: Bullish | Oct 30, 2023 | 3 years ago |
| SMA: Bearish | Sep 18, 2023 | 3 years ago |
| MACD: Sell Signal | Aug 21, 2023 | 3 years ago |
| SMA: Bearish | Aug 7, 2023 | 3 years ago |
| RSI: Overbought | Jul 10, 2023 | 3 years ago |
| RSI: Overbought | Jun 12, 2023 | 3 years ago |
| SMA: Bullish | May 15, 2023 | 3 years ago |
| SMA: Bullish | May 8, 2023 | 3 years ago |
| SMA: Bearish | Mar 6, 2023 | 3 years ago |
| SMA: Bullish | Feb 13, 2023 | 3 years ago |
| SMA: Bearish | Feb 6, 2023 | 3 years ago |
| SMA: Bearish | Feb 6, 2023 | 3 years ago |
| SMA: Bullish | Jan 30, 2023 | 3 years ago |
| SMA: Bullish | Jan 9, 2023 | 3 years ago |
| SMA: Bearish | Oct 31, 2022 | 4 years ago |
| SMA: Bullish | Oct 24, 2022 | 4 years ago |
| SMA: Bearish | Sep 12, 2022 | 4 years ago |
| SMA: Bullish | Sep 5, 2022 | 4 years ago |
| SMA: Bearish | Aug 15, 2022 | 4 years ago |
| SMA: Bullish | Aug 8, 2022 | 4 years ago |
| MACD: Buy Signal | Jul 18, 2022 | 4 years ago |
| SMA: Bearish | Mar 21, 2022 | 4 years ago |
| SMA: Bullish | Mar 14, 2022 | 4 years ago |
| SMA: Bearish | Mar 7, 2022 | 4 years ago |
| SMA: Bullish | Feb 14, 2022 | 4 years ago |
| SMA: Bearish | Nov 29, 2021 | 4 years ago |
| MACD: Sell Signal | Nov 15, 2021 | 4 years ago |
| SMA: Bearish | Nov 8, 2021 | 4 years ago |
| RSI: Overbought | Aug 23, 2021 | 5 years ago |
| MACD: Buy Signal | Aug 16, 2021 | 5 years ago |
| RSI: Overbought | Aug 9, 2021 | 5 years ago |
| SMA: Bullish | Aug 2, 2021 | 5 years ago |
| SMA: Bearish | Jun 21, 2021 | 5 years ago |
| SMA: Bullish | May 17, 2021 | 5 years ago |
| SMA: Bearish | May 3, 2021 | 5 years ago |
| SMA: Bullish | Mar 15, 2021 | 5 years ago |
| SMA: Bearish | Mar 1, 2021 | 5 years ago |
Financial health
Altman Z-Score
1.19 Distress zone
Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.
Piotroski F-Score
4 / 9 Average
Nine pass/fail tests of profitability, leverage and efficiency.
FMP rating
C2 / 5 overall
- DCF 1
- Return on Equity 2
- Return on Assets 4
- Debt / Equity 1
- P/E 1
- P/B 1
Valuation
P/E 78.1×
FY 2017 5y median -10.1× FY 2025
P/S 3.9×
FY 2017 5y median 6.2× FY 2025
P/B 5.3×
FY 2017 5y median 5.4× FY 2025
P/FCF -25.3×
FY 2017 5y median -1.6× FY 2025
EV/EBITDA 68.1×
FY 2017 5y median -18.3× FY 2025
EV/Sales 5.0×
FY 2017 5y median 7.6× FY 2025
FCF Yield -4.0%
FY 2017 5y median -3.6% FY 2025
Profitability
Gross Margin 95.2%
FY 2017 5y median 95.2% FY 2025
Operating Margin 5.1%
FY 2017 5y median -12.8% FY 2025
Net Margin 5.0%
FY 2017 5y median -12.7% FY 2025
ROE 6.7%
FY 2017 5y median -16.2% FY 2025
ROIC 2.0%
FY 2017 5y median -5.8% FY 2025
ROA 1.8%
FY 2017 5y median -5.4% FY 2025
Growth (YoY)
Revenue 58.9%
FY 2017 FY 2025
Operating Income 142.3%
FY 2017 FY 2025
EPS (diluted) 131.3%
FY 2017 FY 2025
Free Cash Flow -194.2%
FY 2017 FY 2025
Financial Health
Current Ratio 3.0×
FY 2017 5y median 2.4× FY 2025
Quick Ratio 3.0×
FY 2017 5y median 2.4× FY 2025
Debt / Equity 2.3×
FY 2017 5y median 1.7× FY 2025
Net Debt / EBITDA 15.1×
FY 2017 5y median -3.4× FY 2025
Interest Coverage 1.1×
FY 2017 5y median -2.7× FY 2025
Dividends
Dividend Yield 0.0%
FY 2017 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2017 5y median 0.0% FY 2025
Annual · latest fiscal year ends 2025-12-31