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UPST Stock Chart & Stats
$26.93
$0.71(2.64%)
At close: 4:00 PM EDT
$26.93
$0.71(2.64%)
Day’s Range― - ―
52-Week Range$23.97 - $87.30
Previous CloseN/A
Volume1.56M
Average Volume (3M)3.96M
Market Cap
$2.66B
Enterprise Value$3.53K
Total Cash (Recent Filing)$931.33M
Total Debt (Recent Filing)$1.98B
Price to Earnings (P/E)54.5
Beta3.51
Next Earnings
Aug 04, 2026EPS Estimate
0.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.51
Shares Outstanding95,711,570
10 Day Avg. Volume3,176,236
30 Day Avg. Volume3,956,678
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$40.40Price Target Upside50.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)0.9
Revenue Forecast (FY)$1.42B
Bulls Say, Bears Say
Bulls Say
AI-driven Underwriting AdvantageUpstart's measurable ML/model edge (higher accuracy and post-default recovery models) is a durable competitive advantage: it permits higher-risk-adjusted originations, improves investor returns, and scales across partners. This structural underwriting moat supports sustainable market share and fee revenue expansion over time.
Robust Capital And Funding PlatformA deep, diversified committed-capital base and oversubscribed securitizations materially reduce funding fragility. Persistent partner commitments and repeat renewals create durable origination capacity, smoothing growth through credit cycles and enabling product expansion without sole reliance on retained balance-sheet funding.
Product Diversification And Platform ScaleRapid expansion into auto, home and a new unsecured revolver broadens revenue pools and reduces reliance on one product. Scale (>425k loans) spreads fixed costs, supports cross-sell, and improves unit economics long term. Diversification lessens exposure to single-segment cycles and stabilizes fee streams.
Bears Say
Elevated LeverageA capital structure with debt meaningfully above equity constrains flexibility: higher fixed obligations raise interest and rollover risk, limiting the firm's ability to absorb credit stress or opportunistically invest. Persistent leverage increases vulnerability if funding costs rise or credit performance weakens.
Weak And Inconsistent Cash GenerationNegative operating and free cash flows despite GAAP profitability signal cash-conversion weakness and working-capital or timing volatility. That undermines quality of earnings, raises dependence on external funding, and constrains consistent reinvestment or capital returns in adverse funding environments.
Expense Pressure And Margin CompressionFront-loaded marketing, compensation, and rapid hiring increased fixed and variable costs, pressuring contribution margin. If revenue mix continues shifting to newer, lower-unit-economics products, margin recovery may be delayed, creating persistent profitability volatility despite top-line growth.
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 $2.66B.
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 5 days.
How were Upstart Holdings, Inc.’s earnings last quarter?
Upstart Holdings, Inc. released its earnings results on May 05, 2026. The company reported -$0.07 earnings per share for the quarter, missing the consensus estimate of $0.42 by -$0.49.
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 0.19.
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 -$0.07 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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10
Analyst Consensus
Moderate Buy
Average Price Target:
$40.40 (50.02% Upside)
$40.40 (50.02% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 70%
Sector Average 58%
Sector Average 58%
Hedge Fund Trend
Increased
By 908.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $5.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 0.6%
Last 30 Days ▲ 0.6%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-67.43%
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 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
$40.40
▲(50.02% Upside)
Technical Analysis
Ownership Overview
13.60% Insiders
11.24% Mutual Funds
0.53% Other Institutional Investors
59.59% Public Companies and Individual Investors