NASDAQ:UPST Upstart (UPST) Stock Price, News & Analysis $23.78 -0.07 (-0.29%) Closing price 10/23/2026 04:00 PM EasternExtended Trading$23.83 +0.05 (+0.20%) As of 10/23/2026 07:57 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsEarningsFinancialsInsider TradesNews and TrendsOptions ChainOwnershipSEC FilingsShort Interest About Upstart Stock (NASDAQ:UPST) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get Upstart alerts:Sign Up Key Stats Today's Range$23.03▼$23.8150-Day Range$22.74▼$30.6052-Week Range$22.21▼$55.22Volume3.05 million shsAverage Volume4.02 million shsMarket Capitalization$2.31 billionP/E Ratio48.53Dividend YieldN/APrice Target$42.94Consensus RatingHold Company Overview Upstart Holdings, Inc. (NASDAQ: UPST) operates an artificial intelligence-powered lending marketplace. Its platform connects consumers seeking credit with banks and credit unions, using data-driven underwriting models designed to evaluate applicants beyond traditional credit-score-based methods. The company provides technology for several lending categories, including personal loans, automotive retail and refinance lending, home equity lines of credit, and small-dollar lending. Upstart’s platform supports financial institutions with application processing, risk assessment, loan origination, and related automation, while offering consumers a digital borrowing experience. Founded in 2012, Upstart is headquartered in San Mateo, California, and primarily serves the United States. The company was co-founded by Dave Girouard, Anna Counselman, and Paul Gu, with Girouard serving as chief executive officer.AI Generated. May Contain Errors. Read More Upstart Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks91st Percentile Overall ScoreUPST MarketRank™: 4.546430488455 of 5 starsUpstart scored higher than 91% of companies evaluated by MarketBeat, and ranked 194th out of 847 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion4.1 / 5Analyst RatingHold Consensus RatingUpstart has received a consensus rating of Hold. The company's average rating score is 2.24, and is based on no strong buy ratings, 7 buy ratings, 7 hold ratings, and 3 sell ratings.Upside PotentialUpstart has a consensus price target of $42.94, representing about 80.6% upside from its current price of $23.78.Amount of Analyst CoverageUpstart has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about Upstart's stock forecast and price target. Earnings and Valuation3.1 / 5Proj. Earnings Growth141.67% Earnings GrowthEarnings for Upstart are expected to grow by 141.67% in the coming year, from $0.72 to $1.74 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Upstart is 48.53, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 44.38.Price to Earnings Ratio vs. SectorThe P/E ratio of Upstart is 48.53, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 25.19.Price to Earnings Growth RatioUpstart has a PEG Ratio of 0.84. PEG Ratios below 1 indicate that a company could be undervalued.Price to Book Value per Share RatioUpstart has a P/B Ratio of 2.90. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about Upstart's valuation and earnings. Short Interest1.0 / 5Short Interest LevelBearish Percentage of Shares Shorted35.50% of the float of Upstart has been sold short.Short Interest Ratio / Days to CoverUpstart has a short interest ratio ("days to cover") of 6.23.Change versus previous monthShort interest in Upstart has recently increased by 3.33%, indicating that investor sentiment is decreasing. Dividend0.0 / 5Dividend StrengthN/A Dividend YieldUpstart does not currently pay a dividend.Dividend GrowthUpstart does not have a long track record of dividend growth. News and Social Media3.6 / 5News Sentiment0.70 News SentimentUpstart has a news sentiment score of 0.70. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.59 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Upstart this week, compared to 8 articles on an average week.Search Interest25 people have searched for UPST on MarketBeat in the last 30 days. This is an increase of 39% compared to the previous 30 days.MarketBeat Follows14 people have added Upstart to their MarketBeat watchlist in the last 30 days. This is an increase of 1,300% compared to the previous 30 days. Company Ownership2.8 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, Upstart insiders have sold 223.58% more of their company's stock than they have bought. Specifically, they have bought $1,277,500.00 in company stock and sold $4,133,720.00 in company stock.Percentage Held by Insiders17.29% of the stock of Upstart is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions63.01% of the stock of Upstart is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Upstart's insider trading history. Receive UPST Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Upstart and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. UPST Stock News HeadlinesUpstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key FactsOctober 19, 2026 | finance.yahoo.comUpstart (NASDAQ:UPST) Stock Price Target Cut by Citizens JmpOctober 17, 2026 | americanbankingnews.comElon Musk’s Hushed FCC Filing. Dec 8th.Elon Musk quietly filed a document with the federal government tied to artificial intelligence, one of the largest markets in the world. James Altucher, who previously flagged Nvidia in 2008 and Bitcoin in 2013, says the filing could rival Tesla, SpaceX and xAI combined. Few investors know this filing exists, but that is expected to change quickly.October 25 at 1:00 AM | Paradigm Press (Ad)Upstart Holdings (UPST) Adds Credit Union Partner, Is The 38% Undervaluation Case Convincing?October 16, 2026 | finance.yahoo.comUpstart (NASDAQ:UPST) Sets New 12-Month Low After Analyst DowngradeOctober 16, 2026 | americanbankingnews.comUpstart (UPST) Stock Looks Reasonable After A 94% FallOctober 15, 2026 | finance.yahoo.comWhy Is Upstart Holdings (UPST) Expanding Its Credit Union Footprint?October 15, 2026 | finance.yahoo.comIs Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?October 14, 2026 | finance.yahoo.comSee More Headlines UPST Stock Analysis - Frequently Asked Questions How have UPST shares performed this year? Upstart's stock was trading at $43.73 on January 1st, 2026. Since then, UPST stock has decreased by 45.6% and is now trading at $23.78. How were Upstart's earnings last quarter? Upstart Holdings, Inc. (NASDAQ:UPST) announced its quarterly earnings results on Tuesday, August, 4th. The company reported $0.16 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.18 by $0.02. The firm's revenue was up 41.9% compared to the same quarter last year. Read the conference call transcript. Is Upstart doing a stock buyback? Upstart's board initiated a stock buyback program on Thursday, February 19th 2026, which authorizes the company to buy back $100,000,000 in outstanding shares, according to EventVestor. This means that the company could purchase up to 3.2% of its stock through open market purchases. Stock buyback programs are generally a sign that the company's board believes its shares are undervalued. When did Upstart IPO? Upstart (UPST) raised $252 million in an initial public offering (IPO) on Wednesday, December 16th 2020. The company issued 12,015,690 shares at a price of $20.00-$22.00 per share. Goldman Sachs, BofA Securities and Citigroup served as the underwriters for the IPO and Jefferies, Barclays, JMP Securities and Blaylock Van were co-managers. Who are Upstart's major shareholders? Upstart's top institutional shareholders include Halter Ferguson Financial Inc. (1.46%), SBI Securities Co. Ltd. (0.13%), Apollon Wealth Management LLC (0.03%) and Sepio Capital LP (0.02%). Insiders that own company stock include Dave Girouard, Sanjay Datta, Andrea Blankmeyer, Scott Darling, Paul Gu, Natalia Mirgorodskaya and Kerry Whorton Cooper. View institutional ownership trends. How do I buy shares of Upstart? Shares of UPST stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Upstart own? Based on aggregate information from My MarketBeat watchlists, some other companies that Upstart investors own include NVIDIA (NVDA), Tesla (TSLA), CrowdStrike (CRWD), Advanced Micro Devices (AMD), PayPal (PYPL), Block (XYZ) and Trade Desk (TTD). Company Calendar Last Earnings8/04/2026Today10/25/2026Next Earnings (Estimated)11/03/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Red Zone (8m+) 1-Year History Oct 25 Jan 26 Apr 26 Jul 26 Oct 26 UPST's financial health is in the Red zone, according to TradeSmith. UPST has been in this zone for over 8 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Consumer Finance Sub-IndustryConsumer Finance Current SymbolNASDAQ:UPST CIK1647639 Webwww.upstart.com Phone650-204-1000FaxN/AEmployees1,405Year Founded2012Price Target and Rating Average Price Target for Upstart$42.94 High Price Target$71.00 Low Price Target$18.00 Potential Upside/Downside+80.6%Consensus RatingHold Rating Score (0-4)2.24 Research Coverage17 Analysts Profitability EPS (Trailing Twelve Months)$0.49 Trailing P/E Ratio48.53 Forward P/E Ratio33.03 P/E Growth0.84Net Income$53.60 million Net Margins4.84% Pretax Margin4.95% Return on Equity7.13% Return on Assets1.82% Debt Debt-to-Equity RatioN/A Current Ratio0.49 Quick Ratio0.49 Sales & Book Value Annual Sales$1.04 billion Price / Sales2.22 Cash Flow$0.81 per share Price / Cash Flow29.49 Book Value$8.21 per share Price / Book2.90Miscellaneous Outstanding Shares97,310,000Free Float80,488,000Market Cap$2.31 billion OptionableOptionable Beta2.43 Social Links The Infrastructure's Backbone: 10 Stocks Powering the AI BuildoutThe AI boom extends far beyond the biggest tech names. 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