Upstart (UPST) to Release Quarterly Earnings on Tuesday

Key Points

• Upstart (NASDAQ:UPST) is set to release its Q2 2025 earnings results on August 5th, with analysts expecting earnings of $0.27 per share and revenue of $225.35 million for the quarter.
• The stock has experienced a performance fluctuation, including a 1.5% decline recently, with current prices around $82.30 and a market cap of $7.83 billion.
• Analysts have varied perspectives on UPST, with a consensus rating of "Hold" and an average price target of $71.62, indicating a mix of opinions on its future performance.

Upstart (NASDAQ:UPST - Get Free Report) is expected to post its Q2 2025 quarterly earnings results after the market closes on Tuesday, August 5th. Analysts expect Upstart to post earnings of $0.27 per share and revenue of $225.35 million for the quarter. Upstart has set its FY 2025 guidance at EPS and its Q2 2025 guidance at EPS.

Upstart (NASDAQ:UPST - Get Free Report) last issued its quarterly earnings data on Tuesday, May 6th. The company reported $0.30 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.19 by $0.11. Upstart had a negative net margin of 9.20% and a negative return on equity of 15.27%. The company had revenue of $213.37 million during the quarter, compared to the consensus estimate of $201.08 million. During the same quarter in the prior year, the firm earned ($0.31) earnings per share. The firm's revenue was up 67.0% compared to the same quarter last year. On average, analysts expect Upstart to post $0 EPS for the current fiscal year and $1 EPS for the next fiscal year.

Upstart Trading Down 3.1%

Shares of UPST stock traded down $2.52 during trading hours on Friday, hitting $79.22. 6,828,452 shares of the company were exchanged, compared to its average volume of 6,100,505. The business has a 50 day moving average of $65.34 and a two-hundred day moving average of $58.67. Upstart has a 52 week low of $20.60 and a 52 week high of $96.43. The company has a market capitalization of $7.54 billion, a PE ratio of -105.63 and a beta of 2.37.

Insider Buying and Selling at Upstart

In other news, insider Natalia Mirgorodskaya sold 4,000 shares of the stock in a transaction dated Tuesday, July 8th. The shares were sold at an average price of $80.07, for a total value of $320,280.00. Following the transaction, the insider directly owned 24,623 shares of the company's stock, valued at $1,971,563.61. This represents a 13.97% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this link. Also, CFO Sanjay Datta sold 13,512 shares of the stock in a transaction dated Tuesday, May 20th. The shares were sold at an average price of $46.97, for a total transaction of $634,658.64. Following the completion of the transaction, the chief financial officer directly owned 311,356 shares in the company, valued at $14,624,391.32. The trade was a 4.16% decrease in their ownership of the stock. The disclosure for this sale can be found here. Insiders sold a total of 151,650 shares of company stock worth $9,665,841 over the last quarter. 16.67% of the stock is currently owned by insiders.

Hedge Funds Weigh In On Upstart

A number of hedge funds have recently bought and sold shares of the business. NewEdge Advisors LLC increased its position in Upstart by 20.0% during the first quarter. NewEdge Advisors LLC now owns 1,997 shares of the company's stock worth $92,000 after acquiring an additional 333 shares during the period. Integrated Wealth Concepts LLC increased its holdings in Upstart by 13.8% in the 1st quarter. Integrated Wealth Concepts LLC now owns 4,628 shares of the company's stock valued at $213,000 after buying an additional 563 shares during the period. Acadian Asset Management LLC bought a new position in Upstart in the 1st quarter valued at about $208,000. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC boosted its stake in shares of Upstart by 18.7% in the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 173,017 shares of the company's stock valued at $7,964,000 after purchasing an additional 27,287 shares in the last quarter. Finally, AQR Capital Management LLC boosted its stake in shares of Upstart by 89.5% in the 1st quarter. AQR Capital Management LLC now owns 96,706 shares of the company's stock valued at $4,451,000 after purchasing an additional 45,664 shares in the last quarter. 63.01% of the stock is owned by institutional investors.

Analyst Upgrades and Downgrades

Several research analysts recently commented on the stock. Barclays increased their target price on shares of Upstart from $42.00 to $47.00 and gave the stock an "equal weight" rating in a report on Monday, May 12th. Piper Sandler upgraded shares of Upstart to an "overweight" rating and set a $75.00 target price for the company in a report on Tuesday, June 24th. Bank of America upgraded shares of Upstart from an "underperform" rating to a "neutral" rating and set a $53.00 target price for the company in a report on Tuesday, April 29th. The Goldman Sachs Group upgraded shares of Upstart to a "sell" rating and set a $71.00 target price for the company in a report on Monday, July 14th. Finally, Stephens assumed coverage on shares of Upstart in a report on Thursday, June 12th. They set an "equal weight" rating and a $55.00 target price for the company. One analyst has rated the stock with a sell rating, eight have issued a hold rating and five have assigned a buy rating to the company. Based on data from MarketBeat.com, the company presently has an average rating of "Hold" and an average target price of $71.62.

About Upstart

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.