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Upstart Holdings (UPST)
NASDAQ:UPST
UPST Stock Chart & Stats
Day’s Range― - ―
52-Week Range$31.40 - $96.43
Previous CloseN/A
Volume1.93M
Average Volume (3M)6.75M
Market Cap
$5.07B
Enterprise Value$7.49B
Total Cash (Recent Filing)$400.56M
Total Debt (Recent Filing)$1.47B
Price to Earnings (P/E)―
Beta3.60
Next Earnings
Nov 11, 2025EPS Estimate
0.42Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.36
Shares Outstanding96,217,740
10 Day Avg. Volume7,630,296
30 Day Avg. Volume6,754,347
Financial Highlights & Ratios
PEG Ratio0.86
Price to Book (P/B)8.70
Price to Sales (P/S)8.76
P/FCF Ratio29.69
Enterprise Value/Market Cap1.48
Enterprise Value/Revenue8.80
Enterprise Value/Gross Profit8.93
Enterprise Value/Ebitda-1.23K
Forecast
1Y Price Target
$69.71Price Target Upside37.22% Upside
Rating ConsensusHold
Number of Analyst Covering11
Bulls Say, Bears Say
Bulls Say
Partnership ExpansionUPST has continued signing new bank and credit union partners to its platform, including 4 new partner announcements in 2Q.
ProfitabilityUPST is returning to profitability and this is expected to continue prospectively, which is likely to increase its value for investors.
User EngagementWebsite traffic to upstart.com, monthly active users of the UPST app, and Trustpilot reviews for UPST all showed strong y/y increases, up 22%/144%/180% respectively.
Bears Say
DelinquenciesAugust data from Upstart's ABS securitizations shows accelerating delinquencies in both the months of July and August.
Loan OriginationsThird-party data providers have reported slowing August originations for Upstart and the broader personal lending industry.
Revenue ExpectationsA key risk in 2Q (and the outlook) is that loan originations are strong but take rates compress which drives revenue below expectations.
Upstart Holdings News
UPST FAQ
What was Upstart Holdings’s price range in the past 12 months?
Upstart Holdings lowest stock price was $31.40 and its highest was $96.43 in the past 12 months.
What is Upstart Holdings’s market cap?
Upstart Holdings’s market cap is $5.07B.
When is Upstart Holdings’s upcoming earnings report date?
Upstart Holdings’s upcoming earnings report date is Nov 11, 2025 which is in 41 days.
How were Upstart Holdings’s earnings last quarter?
Upstart Holdings released its earnings results on Aug 05, 2025. The company reported $0.36 earnings per share for the quarter, beating the consensus estimate of $0.254 by $0.106.
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 0.42.
How many shares outstanding does Upstart Holdings have?
Upstart Holdings has 96,217,740 shares outstanding.
What happened to Upstart Holdings’s price movement after its last earnings report?
Upstart Holdings reported an EPS of $0.36 in its last earnings report, beating expectations of $0.254. Following the earnings report the stock price went down -18.736%.
Which hedge fund is a major shareholder of Upstart Holdings?
Currently, no hedge funds are holding shares in UPST
Upstart Holdings Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$69.71 (37.22% Upside)
$69.71 (37.22% Upside)
Blogger Sentiment
Bullish
UPST Sentiment 75%
Sector Average 69%
Sector Average 69%
Hedge Fund Trend
Increased
By 65.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $66.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 0.5%
Last 30 Days ▲ 1.1%
Last 30 Days ▲ 1.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.96%
12-Months-Change
Fundamentals
Return on Equity
-0.96%
Trailing 12-Months
Asset Growth
36.13%
Trailing 12-Months
Company Description
Upstart Holdings
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
Q2 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call for Upstart's second quarter of 2025 presented a largely positive outlook. The company achieved significant revenue growth and returned to GAAP profitability earlier than anticipated. Strong performance in the Auto and Home segments and advancements in AI models contributed to this success. However, increased balance sheet usage and challenges with fair value adjustments were noted as areas for improvement.View all UPST earnings summariesUPST Stock 12 Month Forecast
Average Price Target
$69.71
▲(37.22% Upside)
Technical Analysis
Ownership Overview
12.99% Insiders
14.02% Mutual Funds
19.93% Other Institutional Investors
36.88% Public Companies and Individual Investors