Upstart Holdings, Inc. (UPST)
NASDAQ:UPST
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UPST Stock Chart & Stats
$34.57
-$1.35(-2.24%)
At close: 4:00 PM EST
$34.57
-$1.35(-2.24%)
Day’s Range― - ―
52-Week Range$23.97 - $87.30
Previous CloseN/A
Volume1.93M
Average Volume (3M)4.75M
Market Cap
$2.90B
Enterprise Value$4.28B
Total Cash (Recent Filing)$931.33M
Total Debt (Recent Filing)$1.98B
Price to Earnings (P/E)63.3
Beta3.43
Next Earnings
Aug 11, 2026EPS Estimate
0.57Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding95,711,570
10 Day Avg. Volume4,735,981
30 Day Avg. Volume4,749,921
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 Cap1.48
Enterprise Value/Revenue3.68
Enterprise Value/Gross Profit3.85
Enterprise Value/Ebitda58.23
Forecast
1Y Price Target
$37.75Price Target Upside9.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)2.32
Revenue Forecast (FY)$1.41B
Bulls Say, Bears Say
Bulls Say
AI Underwriting AdvantageUpstart's measurable AI/modeling edge that boosts model accuracy and predicts post-default recoveries creates durable underwriting differentiation. That advantage can sustain better risk-adjusted originations, enable higher approval at target loss rates, and support partner demand and pricing over quarters.
Robust Committed Capital & FundingLarge, diversified committed capital and repeated oversubscribed securitizations materially lower funding risk and allow scaling originations. Persistent access to institutional capital supports product expansion and reduces reliance on short-term wholesale funding shocks over the medium term.
Product Diversification And Platform ScaleRapid growth across auto, home, and a new revolving product plus broad consumer reach signals durable platform diversification. Expanding product set spreads revenue sources, improves unit-economics optionality, and reduces concentration risk from personal loans alone over the next several quarters.
Bears Say
High Leverage / Capital Structure RiskDebt materially above equity constrains flexibility if originations or funding markets swing. Elevated leverage increases refinancing and covenant risk, raises funding costs in stress, and limits ability to absorb credit volatility—making capital structure a persistent medium-term vulnerability.
Weak Cash Generation / Negative FCFNegative operating and free cash flow while reporting positive net income signals cash-conversion weakness and potential timing or working-capital strains. Over 2–6 months this undermines reinvestment capacity and increases reliance on external funding to support growth and securitizations.
Expense Growth And Margin CompressionRapid OpEx and variable expense growth, plus take-rate pressure from newer secured products, create sustained margin risk. If product mix and front‑loaded investments persist, margin recovery may lag revenue growth, constraining sustainable profitability and cash flow conversion in coming quarters.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings, Inc.’s price range in the past 12 months?
Upstart Holdings, Inc. lowest stock price was $23.96 and its highest was $87.30 in the past 12 months.
What is Upstart Holdings, Inc.’s market cap?
Upstart Holdings, Inc.’s market cap is $2.90B.
When is Upstart Holdings, Inc.’s upcoming earnings report date?
Upstart Holdings, Inc.’s upcoming earnings report date is Aug 11, 2026 which is in 66 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on May 05, 2026. The company reported $0.307 earnings per share for the quarter, missing the consensus estimate of $0.42 by -$0.113.
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 0.57.
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 $0.307 in its last earnings report, missing expectations of $0.42. Following the earnings report the stock price went down -7.924%.
Which hedge fund is a major shareholder of Upstart Holdings, Inc.?
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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$37.75 (9.20% Upside)
$37.75 (9.20% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 908.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $5.6M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 0.4%
Last 30 Days ▲ 2.3%
Last 30 Days ▲ 2.3%
News Sentiment
Bullish
Bullish news 79%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-36.30%
12-Months-Change
Fundamentals
Return on Equity
6.59%
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. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
UPST Company Deck
UPST Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a largely positive outlook: very strong top-line growth (originations +61% YoY, revenue +44% YoY), demonstrable product momentum (auto and home rapid growth, Cashline launch), clear AI/modeling advantages, and a robust capital platform (>$4B committed capital, oversubscribed securitizations, strong vintage performance). Q1 profitability and margins were pressured by seasonality, deliberate front-loaded investments (marketing, hiring, compensation), and mix effects from newer products—resulting in a modest GAAP loss and a sequential dip in contribution margin. Management reiterated full-year guidance (revenue ~ $1.4B and adjusted EBITDA $294M) and emphasized that Q1 is expected to be the low point for contribution margin. Overall, the positive operational and capital developments outweigh the transient expense- and mix-driven headwinds.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$37.75
▲(9.20% Upside)
Technical Analysis
Ownership Overview
13.62% Insiders
11.02% Mutual Funds
10.43% Other Institutional Investors
51.08% Public Companies and Individual Investors