Upstart Holdings, Inc. UPST
Set alert
23.02 USD -1.82 -7.33%
At close · Oct 30
23.05 +0.03 +0.13%
After hours · Oct 30, 7:58 PM ET
22.68 Day range 24.38
22.74 52-week range 50.70
- YTD
- -47.36%
- 1 year
- -48.80%
- Open
- 24.16
- Prev close
- 24.84
- Mkt cap
- 2.24B
- Vol
- 4.28M
- Avg vol
- 4.31M
- EPS
- 0.50
- P/E
- 46.04
- Div yield
- 0.00%
More statistics
- Low
- 22.68
- High
- 24.38
- Forward P/E
- 6.44
- Beta
- 2.43
- Short ratio
- 6.12
- Inst. own
- 62.31%
- Dividend
- 0.00
- Ex-div date
- Earnings
- Nov 3, 2026
- 50-d avg
- 25.45
- 200-d avg
- 29.99
- 1y target
- 38.38
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 |
Key statistics
- Market cap
- 2.20B
- Enterprise value
- 4.02B
- Trailing P/E
- 46.04
- Forward P/E
- 6.44
- PEG ratio
- 0.00
- Price / sales
- 1.71
- Price / book
- 2.81
- EPS (TTM)
- 0.50
- Beta
- 2.43
- Dividend yield
- 0.00%
- Payout ratio
- 0.00%
- Profit margin
- 4.69%
- Revenue (TTM)
- 1.29B
- Revenue growth
- 42.30%
- Free cash flow
- -132.38M
- Total cash
- 457.84M
- Total debt
- 2.06B
- Return on equity
- 7.94%
- Shares outstanding
- 95.71M
- Short % of float
- 31.60%
- 50-day average
- 25.45
- 200-day average
- 29.99
Analyst view
Consensus: buy
Buy
Price target (mean) 38.38 +66.7% upside
Now 23.02
- Target (low)
- 18.00
- Target (mean)
- 38.38
- Target (high)
- 61.00
Ratings (0m) 16 8 buy · 7 hold · 1 sell
- Strong buy2
- Buy6
- Hold7
- Sell0
- Strong sell1
Next earnings
Nov 3, 2026
Expected Nov 3, 2026. Consensus EPS estimate 0.64915.
Financials — quick view
UPST Revenue — quarterly 364.71M
UPST Net income — quarterly 16.54M
UPST EPS — quarterly 0.17
Earnings
| Report date | Quarter ending | EPS estimate | EPS reported | Surprise | Surprise % |
|---|---|---|---|---|---|
| Nov 3, 2026 | Sep 30, 2026 | 0.2065 | — | — | — |
| 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% |
| Aug 5, 2025 | Jun 30, 2025 | 0.27 | 0.36 | +0.09 | +33.33% |
Upgrades / downgrades
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 15, 2026 | Citizens | main | Market Underperform | Market Underperform |
| Oct 13, 2026 | Goldman Sachs | main | Neutral | Neutral |
| Sep 22, 2026 | BTIG | reit | Buy | Buy |
| Sep 9, 2026 | Loop Capital | init | — | Hold |
| Aug 5, 2026 | Needham | main | Buy | Buy |
| Aug 5, 2026 | Piper Sandler | main | Overweight | Overweight |
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 Holdings, Inc. (UPST) Surpasses Market Returns: Some Facts Worth Knowing
- Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
- Upstart Co-founder and CEO to Participate in Fireside Chat at Citi's Annual FinTech Conference 2026
- Upstart Holdings, Inc. (UPST) Stock Sinks As Market Gains: Here's Why
- Citizens Maintains Market Underperform on Upstart Holdings, Lowers Price Target to $18
- Humana To Rally Over 14%? Here Are 10 Top Analyst Forecasts For Tuesday
- Goldman Sachs Maintains Neutral on Upstart Holdings, Lowers Price Target to $28
- Upstart Holdings September 2026 Origination Volume Hits $1.38B, Averaging $53.1M Per Day Across 25.95 Origination Days, Q3 Origination Volume Hits $4.12B, Averaging $51.6M Per Day Across 79.85 Origination Days
- Upstart Stock Reverses Higher After Hitting 52-Week Low
- Upstart's CEO Spoke at Goldman Sachs Conference This Week — Here's What to Know
Your note
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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 | Sale | 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. | 8.10% | 7,878,717 | 181.37M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 3.84% | 3,739,758 | 86.09M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 3.80% | 3,698,553 | 85.14M | Jun 29, 2026 |
| Morgan Stanley | 2.48% | 2,414,712 | 55.59M | Jun 29, 2026 |
| Goldman Sachs Group Inc | 2.46% | 2,395,222 | 55.14M | Jun 29, 2026 |
| Marshall Wace LLP | 2.44% | 2,370,690 | 54.57M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 2.65% | 2,575,842 | 59.30M | Jun 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.31% | 2,244,932 | 51.68M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 1.91% | 1,863,062 | 42.89M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Growth Index Fund | 1.10% | 1,070,193 | 24.64M | Jun 29, 2026 |
| Fidelity Commonwealth Trust II-Fidelity Enhanced Small Cap Core ETF | 1.00% | 974,134 | 22.42M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Extended Market Index Fund | 0.99% | 967,405 | 22.27M | Jun 29, 2026 |