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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$23.97 - $71.38
Previous CloseN/A
Volume1.56M
Average Volume (3M)4.43M
Market Cap
$2.49B
Enterprise Value$4.93K
Total Cash (Recent Filing)$455.96M
Total Debt (Recent Filing)$2.03B
Price to Earnings (P/E)41.2
Beta3.58
Next Earnings
Nov 10, 2026EPS Estimate
0.22Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.62
Shares Outstanding97,313,050
10 Day Avg. Volume3,674,125
30 Day Avg. Volume4,432,349
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
$43.27Price Target Upside42.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)0.7
Revenue Forecast (FY)$1.42B
Bulls Say, Bears Say
Bulls Say
Strong Origination And Revenue GrowthRapid growth across originations, revenue, and fee revenue indicates strong platform adoption and expanding transaction activity. Because Upstart earns primarily from lending volume, sustained partner usage can support operating leverage, reinvestment, and broader market penetration over the next several quarters.
Expanded Funding And Capital PartnershipsBroader committed funding capacity strengthens the platform’s ability to convert borrower demand into completed loans. Institutional partnerships and securitization activity also reduce reliance on any single funding source, supporting originations, partner confidence, and fee generation as the business scales.
AI Underwriting And Operating EfficiencyContinued model development and high automation reinforce Upstart’s technology-based differentiation in credit evaluation and loan processing. Faster inference and automated workflows can improve borrower experience, support partner economics, and help the company scale volume without equivalent growth in manual operating effort.
Bears Say
Weak Earnings-to-cash ConversionDeeply negative operating and free cash flow despite positive earnings signals that reported profitability is not yet consistently converting into cash. Persistent cash burn would constrain internal funding capacity, increase dependence on external financing, and make execution more vulnerable if operating conditions weaken.
Secured Products Remain Loss-makingAuto and Home are growing quickly, but their current negative contribution margin means expansion is not yet accretive to the platform. The business must deliver further underwriting, pricing, and operating improvements before these products provide durable earnings support rather than consume resources.
High And Rising Operating ExpensesExpense growth materially exceeded the pace needed for reliable margin expansion, while stock-based compensation and restructuring costs added quarterly variability. Unless fixed-cost growth moderates and newer investments produce revenue leverage, operating efficiency and the durability of positive earnings remain pressured.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was $23.96 and its highest was $71.38 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is $2.49B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Nov 10, 2026 which is in 58 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 0.22.
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
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$43.27 (42.02% Upside)
$43.27 (42.02% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 80%
Sector Average 58%
Sector Average 58%
Hedge Fund Trend
Decreased
By 12.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.5%
Last 30 Days ▼ 5.0%
Last 30 Days ▼ 5.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-58.85%
12-Months-Change
Fundamentals
Return on Equity
―
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
$43.27
▲(42.02% Upside)
Technical Analysis
Ownership Overview
13.58% Insiders
11.06% Mutual Funds
10.85% Other Institutional Investors
49.74% Public Companies and Individual Investors