Upstart Holdings, Inc. UPST
21.37 USD +0.06 (+0.28%)
At closeNov 3, 2026, 7:52 PM EST
21.24 -0.13 -0.63%
After hours · Nov 3, 7:52 PM ET
20.60 Day range 21.86
20.60 52-week range 52.10
- YTD
- -51.13%
- 1 year
- -55.05%
- Market cap
- 2.05B
- Revenue (ttm)
- 1.29B
- Profit margin
- 4.69%
- EPS (ttm)
- 0.50
- Shares out
- 97.31M
- P/E ratio
- 42.74
- Forward P/E
- 5.98
- YTD return
- -51.13%
- 1-year return
- -55.05%
- Volume
- 9.37M
- Avg volume
- 4.44M
- Open
- 21.54
- Previous close
- 21.31
- Day's range
- 20.60 – 21.86
- 52-week range
- 20.60 – 52.10
- Beta
- 2.43
- Analysts
- Buy
- Price target
- 37.94 (+77.5%)
- Earnings date
- Nov 3, 2026
YTD -24.47 (-53.38%)
Key statistics
- Enterprise value
- 3.67B
- PEG ratio
- 0.00
- Price / sales
- 1.62
- Price / book
- 2.61
- Dividend yield
- 0.00%
- Payout ratio
- 0.00%
- Revenue growth
- 42.30%
- Free cash flow
- -132.38M
- Total cash
- 457.84M
- Total debt
- 2.06B
- Return on equity
- 7.94%
- Short % of float
- 31.60%
- 50-day average
- 25.15
- 200-day average
- 29.74
Analyst view
Consensus: buy
Buy
Price target (mean) 37.94 +77.5% upside
Now 21.37
- Target (low)
- 18.00
- Target (mean)
- 37.94
- 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 0.73362.
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 | 0.2015 | — | — | — |
| 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 |
|---|---|---|---|---|
| Nov 3, 2026 | BTIG | main | Buy | Buy |
| Nov 3, 2026 | Needham | main | Buy | Buy |
| 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 |
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
3 Key Takeaways From Upstart's Latest Report 
Upstart Holdings, Inc. (UPST) Q3 2026 Earnings Call Transcript 
What Upstart (UPST) Said on Its Q3 Earnings Call 
BTIG Maintains Buy on Upstart Holdings, Lowers Price Target to $40 - Needham Maintains Buy on Upstart Holdings, Lowers Price Target to $30
Upstart Stock Pivots Higher After Earnings 
Compared to Estimates, Upstart (UPST) Q3 Earnings: A Look at Key Metrics 
Upstart Hldgs Q3 2026 Earnings Call Transcript 
Upstart Holdings, Inc. (UPST) Surpasses Q3 Earnings and Revenue Estimates 
CORRECTION: Upstart Hldgs Q3 Adj. EPS $0.65 Beats $0.63 Estimate, Sales $370.522M Beat $361.074M Estimate
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 | 168.37M | Jun 29, 2026 |
| Vanguard Portfolio Management LLC | 3.84% | 3,739,758 | 79.92M | Jun 29, 2026 |
| Vanguard Capital Management LLC | 3.80% | 3,698,553 | 79.04M | Jun 29, 2026 |
| Morgan Stanley | 2.48% | 2,414,712 | 51.60M | Jun 29, 2026 |
| Goldman Sachs Group Inc | 2.46% | 2,395,222 | 51.19M | Jun 29, 2026 |
| Marshall Wace LLP | 2.44% | 2,370,690 | 50.66M | Jun 29, 2026 |
Fund ownership
| Holder | % held | Shares | Value | Reported |
|---|---|---|---|---|
| VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund | 2.65% | 2,575,842 | 55.05M | Jun 29, 2026 |
| iShares Trust-iShares Russell 2000 ETF | 2.31% | 2,244,932 | 47.97M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Index Fund | 1.91% | 1,863,062 | 39.81M | Jun 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Small-Cap Growth Index Fund | 1.10% | 1,070,193 | 22.87M | Jun 29, 2026 |
| Fidelity Commonwealth Trust II-Fidelity Enhanced Small Cap Core ETF | 1.00% | 974,134 | 20.82M | Sep 29, 2026 |
| VANGUARD INDEX FUNDS-Vanguard Extended Market Index Fund | 0.99% | 967,405 | 20.67M | Jun 29, 2026 |