Upstart (UPST) Stock Price, News & Analysis

Company Overview

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Key Stats

• Today's Range: $76.08 to $82.36
• 50-Day Range: $45.26 to $84.13
• 52-Week Range: $20.60 to $96.43
• Volume: 6.83 million shs
• Average Volume: 5.28 million shs
• Market Capitalization: $7.54 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $71.62
• Consensus Rating: Hold

Upstart Stock Analysis - MarketRank™

Upstart scored higher than 63% of companies evaluated by MarketBeat, and ranked 554th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Upstart has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on 5 buy ratings, 8 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Upstart has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for Upstart are expected to grow in the coming year, from ($0.03) to $0.93 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Upstart is -105.63, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Upstart is -105.63, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Upstart has a P/B Ratio of 11.41. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

19.56% of the outstanding shares of Upstart have been sold short.

Short Interest Ratio / Days to Cover

Upstart has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Upstart has recently increased by 16.97%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Upstart does not currently pay a dividend.

Dividend Growth

Upstart does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 2.7 / 5
• Environmental Score: -1.08

Percentage of Shares Shorted

19.56% of the outstanding shares of Upstart have been sold short.

Short Interest Ratio / Days to Cover

Upstart has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Upstart has recently increased by 16.97%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.60

News Sentiment

Upstart has a news sentiment score of 0.60. 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 lower news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Upstart this week, compared to 3 articles on an average week.

Search Interest

47 people have searched for UPST on MarketBeat in the last 30 days. This is an increase of 21% compared to the previous 30 days.

MarketBeat Follows

Only 11 people have added Upstart to their MarketBeat watchlist in the last 30 days. This is a decrease of -42% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Upstart insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $9,665,841.00 in company stock.

Percentage Held by Insiders

16.67% 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 Institutions

63.01% of the stock of Upstart is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UPST Stock Analysis - Frequently Asked Questions

How have UPST shares performed this year?

Upstart's stock was trading at $61.57 at the start of the year. Since then, UPST shares have increased by 28.7% and is now trading at $79.22.

How were Upstart's earnings last quarter?

Upstart Holdings, Inc. (NASDAQ:UPST) announced its quarterly earnings results on Tuesday, May, 6th. The company reported $0.30 EPS for the quarter, topping the consensus estimate of $0.19 by $0.11. The company's revenue was up 67.0% on a year-over-year basis.
Read the conference call transcript.

When did Upstart IPO?

Upstart (UPST) raised $252 million in an initial public offering (IPO) on Wednesday, December 16th 2020. The company issued 12,000,000 shares at $20.00-$22.00 per share. Goldman Sachs, BofA Securities and Citigroup acted 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 investors include Twin Tree Management LP, Y Intercept Hong Kong Ltd (0.13%), State of New Jersey Common Pension Fund D (0.04%) and Guided Capital Wealth Management LLC (0.04%). Insiders that own company stock include Paul Gu, Sanjay Datta, Scott Darling, Dave Girouard, Kerry Whorton Cooper and Natalia Mirgorodskaya.
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 Zomedica (ZOM), NVIDIA (NVDA), Meta Platforms (META), CrowdStrike (CRWD), Tesla (TSLA), Advanced Micro Devices (AMD) and PayPal (PYPL).

Company Calendar

• Last Earnings: 5/06/2025
• Today: 8/01/2025
• Next Earnings (Estimated): 8/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UPST
• CIK: 1647639
• Web: www.upstart.com
• Phone: 650-204-1000
• Fax: N/A
• Employees: 1,193
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Upstart: $71.62
• High Price Target: $108.00
• Low Price Target: $47.00
• Potential Upside/Downside: -9.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 14 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.75)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$128.58 million
• Net Margins: -9.20%
• Pretax Margin: -9.17%
• Return on Equity: -15.27%
• Return on Assets: -4.60%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.56
• Quick Ratio: 0.56

Sales & Book Value

• Annual Sales: $636.53 million
• Price / Sales: 11.84
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $6.94 per share
• Price / Book: 11.41

Miscellaneous

• Outstanding Shares: 95,140,000
• Free Float: 79,284,000
• Market Cap: $7.54 billion
• Optionable: Optionable
• Beta: 2.38