Upstart (UPST) Projected to Release Earnings on Tuesday

Key Points

• Upstart is expected to report Q3 2026 results after Tuesday’s market close. Analysts forecast earnings of $0.2065 per share on revenue of $365.18 million.
• In the prior quarter, Upstart reported $0.16 EPS—below consensus—but revenue rose 41.9% year over year to $364.71 million, exceeding estimates.
• Investor sentiment remains mixed: analysts’ average rating is “Hold” with a $42.94 price target, while shares recently traded near $23, down 3.3% and close to their 52-week low.

Upstart (NASDAQ:UPST - Get Free Report) is expected to announce its Q3 2026 results after the market closes on Tuesday, November 3rd. Analysts expect Upstart to post earnings of $0.2065 per share and revenue of $365.18 million for the quarter. Investors can find conference call details on the company's upcoming Q3 2026 earnings report page for the latest details on the call scheduled for Tuesday, November 3, 2026 at 8:00 AM ET.

Upstart (NASDAQ:UPST - Get Free Report) last posted its quarterly earnings results on Tuesday, August 4th. The company reported $0.16 EPS for the quarter, missing analysts' consensus estimates of $0.18 by ($0.02). The firm had revenue of $364.71 million during the quarter, compared to analyst estimates of $354.74 million. Upstart had a return on equity of 7.13% and a net margin of 4.84%. The firm's revenue for the quarter was up 41.9% on a year-over-year basis. During the same quarter last year, the business posted $0.36 earnings per share. On average, analysts expect Upstart to post $0.72 EPS for the current fiscal year and $1.74 EPS for the next fiscal year.

Upstart Stock Down 3.3%

Shares of Upstart stock opened at $23.00 on Tuesday. The firm has a market cap of $2.24 billion, a P/E ratio of 46.94, a P/E/G ratio of 0.84 and a beta of 2.43. Upstart has a fifty-two week low of $22.21 and a fifty-two week high of $54.50. The business has a 50-day moving average price of $25.78 and a 200 day moving average price of $30.52.

Analysts Set New Price Targets

A number of research analysts have commented on UPST shares. Wall Street Zen raised Upstart from a "sell" rating to a "hold" rating in a report on Saturday, August 8th. Citizens Jmp lowered their price target on Upstart from $20.00 to $18.00 and set a "market underperform" rating for the company in a report on Thursday, October 15th. Needham & Company LLC reissued a "buy" rating and set a $42.00 price target on shares of Upstart in a research report on Tuesday, October 6th. Citigroup reaffirmed a "market underperform" rating on shares of Upstart in a report on Thursday, October 15th. Finally, BTIG Research reaffirmed a "buy" rating and issued a $43.00 price objective on shares of Upstart in a report on Tuesday, September 22nd. Seven research analysts have rated the stock with a Buy rating, seven have issued a Hold rating and three have assigned a Sell rating to the company's stock. According to data from MarketBeat, the stock currently has an average rating of "Hold" and an average target price of $42.94.

Insider Buying and Selling

In related news, CFO Andrea Blankmeyer sold 3,000 shares of the business's stock in a transaction that occurred on Wednesday, August 19th. The stock was sold at an average price of $29.33, for a total transaction of $87,990.00. Following the completion of the transaction, the chief financial officer owned 152,208 shares in the company, valued at $4,464,260.64. The trade was a 1.93% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is available through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, CEO Paul Gu acquired 50,000 shares of Upstart stock in a transaction that occurred on Thursday, September 10th. The shares were bought at an average price of $25.55 per share, with a total value of $1,277,500.00. Following the transaction, the chief executive officer directly owned 130,000 shares in the company, valued at approximately $3,321,500. This trade represents a 62.50% increase in their ownership of the stock. The disclosure for this purchase is available in the SEC filing. In the last 90 days, insiders sold 148,652 shares of company stock worth $4,133,720. Company insiders own 17.29% of the company's stock.

Upstart Company Profile

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.

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