Upstart (UPST) Stock Price, News & Analysis

Company Overview

Upstart Holdings, Inc. operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non‐traditional data points—such as education, employment history and other real‐time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases. In addition to its personal loan product, the company has expanded into auto financing, enabling partner lenders to offer AI‐driven auto loans. Upstart also licenses its technology under a “lending-as-a-service” model, where financial institutions integrate the Upstart Engine into their own customer-facing platforms.

Founded in 2012 by a team of former Google engineers and Carnegie Mellon alumni, Upstart went public in December 2020 under the ticker UPST on the Nasdaq Stock Market. Headquartered in San Mateo, California, the company currently serves borrowers across the United States. Since its inception, Upstart has focused on refining its predictive models and building strategic partnerships with over two dozen banks and credit unions to scale its marketplace and bring AI-driven credit to a broader population.

The company’s leadership team is led by co-founder and CEO Dave Girouard, who previously served as president of Google Enterprise. Upstart’s executive roster includes professionals with backgrounds in financial services, technology development and data science. Together, they oversee the continuous enhancement of the platform, regulatory compliance initiatives and partnerships aimed at expanding the company’s reach within the consumer and auto lending markets.

Key Stats

• Today's Range: $29.13 to $31.35
• 50-Day Range: $26.60 to $35.74
• 52-Week Range: $23.97 to $76.95
• Volume: 4.82 million shs
• Average Volume: 4.80 million shs
• Market Capitalization: $3.01 billion
• P/E Ratio: 63.20
• Dividend Yield: N/A
• Price Target: $44.40
• Consensus Rating: Hold

Upstart Stock Analysis - MarketRank™

Upstart scored higher than 97% of companies evaluated by MarketBeat, and ranked 58th out of 861 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: 4.2 / 5
• Analyst Rating: Hold

Consensus Rating

Upstart has received a consensus rating of Hold. The company's average rating score is 2.38, and is based on no strong buy ratings, 8 buy ratings, 6 hold ratings, and 2 sell ratings.

Upside Potential

Upstart has a consensus price target of $44.40, representing about 43.4% upside from its current price of $30.97.

Amount of Analyst Coverage

Upstart has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 84.78%

Earnings Growth

Earnings for Upstart are expected to grow by 84.78% in the coming year, from $0.92 to $1.70 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Upstart is 63.20, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 39.62.

Price to Earnings Ratio vs. Sector

The P/E ratio of Upstart is 63.20, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 29.57.

Price to Earnings Growth Ratio

Upstart has a PEG Ratio of 0.82. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Upstart has a P/B Ratio of 3.78. 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

31.34% of the float of Upstart has been sold short.

Short Interest Ratio / Days to Cover

Upstart has a short interest ratio ("days to cover") of 7.31.

Change versus previous month

Short interest in Upstart has recently decreased by 3.64%, indicating that investor sentiment is improving.

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.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: 0.70

News Sentiment

Upstart 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 lower news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for Upstart this week, compared to 8 articles on an average week.

Search Interest

27 people have searched for UPST on MarketBeat in the last 30 days. This is an increase of 350% compared to the previous 30 days.

MarketBeat Follows

14 people have added Upstart to their MarketBeat watchlist in the last 30 days. This is an increase of 180% compared to the previous 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $383,328.00 in company stock, which represents 0.0127% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Upstart insiders have bought 38.65% more of their company's stock than they have sold. Specifically, they have bought $1,375,000.00 in company stock and sold $991,672.00 in company stock.

Percentage Held by Insiders

17.29% 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 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.

Company Calendar

• Last Earnings: 8/04/2026
• Today: 8/13/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:UPST
• CIK: 1647639
• Web: www.upstart.com
• Phone: 650-204-1000
• Fax: N/A
• Employees: 1,405
• Year Founded: 2012

Price Target and Rating

• Average Price Target for Upstart: $44.40
• High Price Target: $71.00
• Low Price Target: $20.00
• Potential Upside/Downside: +43.4%
• Consensus Rating: Hold
• Rating Score (0-4): 2.38
• Research Coverage: 16 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.49
• Trailing P/E Ratio: 63.20
• Forward P/E Ratio: 33.66
• P/E Growth: 0.82
• Net Income: $53.60 million
• Net Margins: 4.84%
• Pretax Margin: 4.95%
• Return on Equity: 7.13%
• Return on Assets: 1.82%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.49
• Quick Ratio: 0.49

Sales & Book Value

• Annual Sales: $1.04 billion
• Price / Sales: 2.89
• Cash Flow: $0.84 per share
• Price / Cash Flow: 37.07
• Book Value: $8.20 per share
• Price / Book: 3.78

Miscellaneous

• Outstanding Shares: 97,310,000
• Free Float: 80,488,000
• Market Cap: $3.01 billion
• Optionable: Optionable
• Beta: 2.29