Upstart Holdings, Inc. (UPST)
| Market Cap | 2.58B |
| Revenue (ttm) | 1.08B |
| Net Income (ttm) | 53.60M |
| Shares Out | 94.87M |
| EPS (ttm) | 0.45 |
| PE Ratio | 60.08 |
| Forward PE | 12.29 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 5,475,703 |
| Open | 28.36 |
| Previous Close | 29.67 |
| Day's Range | 26.86 - 28.72 |
| 52-Week Range | 26.80 - 87.30 |
| Beta | 2.39 |
| Analysts | Hold |
| Price Target | 46.82 (+71.94%) |
| Earnings Date | Feb 10, 2026 |
About UPST
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. [Read more]
Financial Performance
Financial StatementsAnalyst Forecast
According to 15 analysts, the average rating for UPST stock is "Hold." The 12-month stock price target is $46.82, which is an increase of 71.94% from the latest price.
News
Upstart: Well-Priced AI And Lending Play
Upstart (UPST) is a fast-growing, AI-driven lending platform with a capital-light, asset-light business model and strong 2025 results. UPST guides for $1.4B revenue and 21% adjusted EBITDA margin in 2...
Upstart Announces Inaugural $200M Upstart Auto Forward-Flow Agreement with Wafra
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced a forward-flow commitment from funds managed by...
Upstart Announces $333M Sale of Upstart Auto Assets to Affiliates of Bayview Asset Management, LLC
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced the previous sale of a $333 million aggregate p...
Upstart Holdings Shareholders Are Encouraged to Reach Out to Johnson Fistel for More Information About Potentially Recovering Their Losses
SAN DIEGO--(BUSINESS WIRE)---- $UPST #Upstart--Johnson Fistel, PLLP is investigating potential claims on behalf of investors of Upstart Holdings, Inc. (NASDAQ: UPST). The investigation focuses on Upst...
Upstart Repurchases $100 Million of Shares
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Repurchases $100 Million of Shares.
Upstart President to Participate in Fireside Chat at the Morgan Stanley Technology, Media & Telecom Conference
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart President to Participate in Fireside Chat at the Morgan Stanley Technology, Media & Telecom Conference.
Upstart's Technology Has Taken The Next Step (Rating Upgrade)
Upstart's Technology Has Taken The Next Step (Rating Upgrade)
Upstart Announces Cash Line, Bringing Always-On Credit to Millions of Americans
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced Cash Line, a breakthrough revolving line of credit that gives ...
Upstart: A Directional Bet On Falling Rates
Upstart delivered a decent Q4, beating estimates with a record $3.2B transaction volume and 35% year-over-year revenue growth. UPST is poised to benefit from expected 2026 federal fund rate cuts, supp...
Upstart Holdings, Inc. (UPST) Q4 2025 Earnings Call Transcript
Upstart Holdings, Inc. (UPST) Q4 2025 Earnings Call Transcript
Upstart Stock Climbs After Q4 Earnings: Here's Why
Upstart Holdings, Inc. (NASDAQ: UPST) stock climbed in Tuesday's extended trading after the company released its fourth-quarter earnings report, beating estimates on the top and bottom lines.
Upstart Publishes Monthly Origination Volumes
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Publishes Monthly Origination Volumes.
Upstart Announces Leadership Evolution
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Leadership Evolution.
Upstart Announces Fourth Quarter and Full Year 2025 Results
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Fourth Quarter and Full Year 2025 Results.
President Trump is focused on affordability. Fintech stocks may be the way to play it
As President Trump turns his attention to affordability policies that could benefit Americans this week, how should investors be approaching the fintech space? Citi US Equity Strategist Drew Pettit co...
Upstart: The Hidden Asset Behind The Sell-Off
Upstart's loan book, while larger than normal, is a high-quality asset, in my opinion, with net charge-offs and delinquencies improving substantially YoY in Q3 at similar macro conditions. Despite Ups...
Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California
IRWINDALE, Calif. & SAN MATEO, Calif.--(BUSINESS WIRE)--Rize Credit Union Partners with Upstart to Expand Access to Personal Loans in California.
Upstart to Announce Fourth Quarter and Full Year 2025 Results on February 10, 2026
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Announce Fourth Quarter and Full Year 2025 Results on February 10, 2026.
MyPoint Credit Union Selects Upstart for Personal Lending
SAN DIEGO & SAN MATEO, Calif.--(BUSINESS WIRE)--MyPoint Credit Union Selects Upstart for Personal Lending.
AI Is ‘Transformative' for Economy. Duolingo and 5 Other Stocks to Play the Shift.
Is artificial intelligence overhyped? Not a chance, according to analysts at Truist Securities.
Truepic Welcomes Kerry Whorton Cooper to its Board of Advisors
Truepic welcomes Kerry Whorton Cooper to its Advisory Board, leveraging her 20 years of executive leadership to advance authenticity in digital ecosystems.
Upstart's Selloff Triggers Dip Buying Opportunity - Robust Lending Growth Entering 2026
Upstart is an even better Buy here, thanks to the materialization of a much needed correction from prior heights and the recent bounce off the established uptrend support line. The AI lending platform...
On Holding: The Swiss Upstart Taking On NIKE And adidas
On Holding AG demonstrates strong pricing power, sustaining demand despite price hikes and tariff pressures, validating its premium brand strategy. ONON's rapid revenue growth outpaces peers, with man...
Tech CU Selects Upstart for Personal Loans and Auto Refinance Loans
SAN JOSE & SAN MATEO, Calif.--(BUSINESS WIRE)--Tech CU Selects Upstart for Personal Loans and Auto Refinance Loans.
Upstart: Improving Fundamentals And A Still Discounted Price
Upstart is rated a BUY due to strong execution, AI-driven loan automation, and compelling forward valuation multiples after a significant share price decline. UPST's Q3 saw 80% YoY transaction volume ...