UPST Stock Chart & Stats
$516.67
$0.00(0.00%)
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Day’s Range― - ―
52-Week Range$421.21 - $1,628.99
Previous CloseN/A
VolumeN/A
Average Volume (3M)439.00
Market Cap
$47.99B
Enterprise Value$3.53K
Total Cash (Recent Filing)$931.33M
Total Debt (Recent Filing)$1.98B
Price to Earnings (P/E)54.1
Beta1.36
Next Earnings
Aug 04, 2026EPS Estimate
3.33Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding95,711,570
10 Day Avg. Volume342
30 Day Avg. Volume439
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$707.36Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
AI & Modeling AdvantageMaterial modeling edge and newer AI features improve underwriting accuracy and predict post-default recoveries, enabling more originations at equivalent risk. That structural advantage supports durable origination scale, better vintage performance, and strengthens partner/investor demand over time.
Strong Origination & Revenue GrowthRapid, sustained origination and revenue growth show expanding market adoption of Upstart's platform across products. Higher volume drives unit economics, spreads fixed costs, and creates a larger data moat, supporting multi-product expansion and long-term fee revenue durability.
Robust Capital & Funding PlatformA diversified, oversubscribed funding base and multi‑billion commitments reduce funding volatility risk for originations. This structural funding resilience enables fee capture, product expansion into auto/home, and supports scaling without relying solely on balance-sheet retention.
Bears Say
High LeverageMeaningfully elevated leverage limits financial flexibility and increases refinancing and covenant risk during credit cycles. For a credit-services platform, a leveraged capital structure reduces ability to absorb vintage stress and constrains strategic investments over the medium term.
Weak Cash GenerationNegative operating and free cash flow despite reported profits signals poor cash-conversion and potential working-capital timing or structural funding reliance. This impairs capacity to reinvest, deleverages balance sheet, or sustain buybacks without external capital over the coming months.
Margin Pressure & Elevated OpExFront-loaded marketing, hiring, and higher variable costs plus newer secured-product mix compress contribution and GAAP margins. If elevated OpEx and lower take rates persist, path to durable high margins and consistent GAAP profitability may be delayed for multiple quarters.
UPST FAQ
What was Upstart Holdings, Inc.’s price range in the past 12 months?
Upstart Holdings, Inc. lowest stock price was $421.21 and its highest was $1628.99 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is $47.99B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Aug 04, 2026 which is in 11 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on May 05, 2026. The company reported -$1.226 earnings per share for the quarter, missing the consensus estimate of $7.354 by -$8.579.
Is Upstart Holdings, Inc. overvalued?
According to Wall Street analysts Upstart Holdings, Inc.’s price is currently Undervalued.
Does Upstart Holdings, Inc. pay dividends?
Upstart Holdings, Inc. does not currently pay dividends.
What is Upstart Holdings, Inc.’s EPS estimate?
Upstart Holdings, Inc.’s EPS estimate is 3.33.
How many shares outstanding does Upstart Holdings, Inc. have?
Upstart Holdings, Inc. has 95,711,570 shares outstanding.
What happened to Upstart Holdings, Inc.’s price movement after its last earnings report?
Upstart Holdings, Inc. reported an EPS of -$1.226 in its last earnings report, missing expectations of $7.354. Following the earnings report the stock price went down -9.825%.
Which hedge fund is a major shareholder of Upstart Holdings, Inc.?
Currently, no hedge funds are holding shares in MX: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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$707.36 (― Downside)
$707.36 (― Downside)
Blogger Sentiment
Bullish
MX:UPST Sentiment 81%
Sector Average 60%
Sector Average 60%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-67.20%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
28.98%
Trailing 12-Months
Company Description
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.
UPST Stock 12 Month Forecast
Average Price Target
$707.36