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UPST Stock Chart & Stats
$30.47
$0.71(2.64%)
At close: 4:00 PM EDT
$30.47
$0.71(2.64%)
Day’s Range― - ―
52-Week Range$22.21 - $52.10
Previous CloseN/A
Volume1.56M
Average Volume (3M)4.14M
Market Cap
$2.42B
Enterprise Value$4.93B
Total Cash (Recent Filing)$455.96M
Total Debt (Recent Filing)$2.03B
Price to Earnings (P/E)40.0
Beta3.53
Next Earnings
Nov 03, 2026EPS Estimate
0.21Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.62
Shares Outstanding97,313,050
10 Day Avg. Volume3,752,458
30 Day Avg. Volume4,136,413
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 Cap2.04
Enterprise Value/Revenue3.83
Enterprise Value/Gross Profit4.02
Enterprise Value/Ebitda56.51
Forecast
1Y Price Target
$38.36Price Target Upside25.91% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)0.65
Revenue Forecast (FY)$1.42B
Bulls Say, Bears Say
Bulls Say
Origination And Revenue GrowthRapid growth across originations, total revenue, and fee revenue indicates expanding platform usage and stronger partner activity. Because fees are tied to facilitated lending volume, sustained origination growth can improve operating leverage and reinforce Upstart’s position with banks and credit unions.
AI Underwriting And AutomationContinued investment in underwriting models, processing speed, and automation strengthens the platform’s technology proposition. Better decisioning infrastructure can support faster loan approvals, lower operating costs, and more consistent partner economics as lending volumes scale across products.
Funding And Capital PartnershipsExpanded institutional funding reduces the risk that partner demand cannot be converted into originations because of limited capital availability. Larger and renewed commitments also validate investor acceptance of Upstart’s loan assets and support growth across personal, auto, and home lending.
Bears Say
Negative Cash ConversionDeeply negative operating and free cash flow shows that reported profitability is not yet translating consistently into cash generation. If this pattern persists, Upstart may need additional funding to support operations and growth, reducing financial flexibility and increasing execution risk.
Secured Products Remain Loss-MakingAuto and Home products are scaling quickly but remain economically dilutive today, so growth in these categories can pressure consolidated profitability before breakeven is reached. The business must deliver further margin improvement for secured lending to become a durable earnings contributor.
Elevated Operating Expense GrowthExpense growth is running ahead of a sustainable cost base, with higher fixed, variable, restructuring, and stock-based compensation costs adding pressure to margins. Upstart’s improving revenue must continue to outpace these investments for operating leverage and durable profitability to emerge.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was $22.21 and its highest was $52.10 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is $2.42B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Nov 03, 2026 which is in 3 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Aug 04, 2026. The company reported $0.16 earnings per share for the quarter, missing the consensus estimate of $0.178 by -$0.018.
Is Upstart Holdings overvalued?
According to Wall Street analysts Upstart Holdings’s price is currently Undervalued.
Does Upstart Holdings pay dividends?
Upstart Holdings does not currently pay dividends.
What is Upstart Holdings’s EPS estimate?
Upstart Holdings’s EPS estimate is 0.21.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 97,313,050 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings reported an EPS of $0.16 in its last earnings report, missing expectations of $0.178. Following the earnings report the stock price went down -0.396%.
Which hedge fund is a major shareholder of Upstart Holdings?
Currently, no hedge funds are holding shares in 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
Underperform
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7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$38.36 (25.91% Upside)
$38.36 (25.91% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average 56%
Sector Average 56%
Hedge Fund Trend
Decreased
By 12.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.0M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.8%
Last 30 Days ▼ 2.8%
Last 30 Days ▼ 2.8%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-49.04%
12-Months-Change
Fundamentals
Return on Equity
7.85%
Trailing 12-Months
Asset Growth
27.98%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Upstart Holdings
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 Company Deck
UPST Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong execution: record contribution profit, a return to GAAP profitability, robust origination growth (notably in core personal loans and secured products), meaningful improvement in secured product margins, and materially strengthened funding relationships. Management reiterated full-year guidance despite a modest macro headwind (UMI), emphasized capital discipline (sunsetting non-core lines), and signaled upcoming operational upside from the conditional bank approval and ongoing model/infrastructure improvements. The primary risks noted were still-negative secured margins (albeit rapidly improving), elevated year-over-year operating expense growth (with some one-time items), and sensitivity to UMI-driven macro conditions that caused a modest slow in July volumes. Overall, positive business momentum and strong funding give confidence, balanced with short-term macro sensitivity and continued investment-related expense cadence.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$38.36
▲(25.91% Upside)
Technical Analysis
Ownership Overview
13.58% Insiders
11.25% Mutual Funds
2.06% Other Institutional Investors
58.94% Public Companies and Individual Investors