Upstart (UPST) Stock Price, News & Analysis

Company Overview

Upstart Holdings, Inc. is a financial technology company that operates an artificial intelligence-powered lending marketplace. Its platform connects consumers seeking credit with banks and credit unions, using alternative data and machine-learning models alongside traditional credit information to help lending partners evaluate applicants and originate loans.

The company’s offerings include technology for personal lending, auto lending and home equity lending. Upstart provides tools that support the application, underwriting and loan-origination process, while participating financial institutions generally fund and service the loans. Through its platform, Upstart aims to expand access to credit and enable lenders to automate and improve lending decisions.

Upstart was founded in 2012 by Dave Girouard, Anna Counselman and Paul Gu. The company is headquartered in San Mateo, California, and primarily serves consumers and lending institutions in the United States through its digital platform.

Key Stats

• Today's Range: $24.71 to $25.14
• 50-Day Range: $24.77 to $31.72
• 52-Week Range: $23.97 to $71.38
• Volume: 6.38 million shs
• Average Volume: 3.65 million shs
• Market Capitalization: $2.43 billion
• P/E Ratio: 51.02
• Dividend Yield: N/A
• Price Target: $43.75
• Consensus Rating: Hold

Upstart Stock Analysis - MarketRank™

Upstart scored higher than 90% of companies evaluated by MarketBeat, and ranked 149th out of 835 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 2.41, and is based on no strong buy ratings, 8 buy ratings, 8 hold ratings, and 1 sell rating.

Upside Potential

Upstart has a consensus price target of $43.75, representing about 75.0% upside from its current price of $25.00.

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: 141.67%

Earnings Growth

Earnings 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 Market

The P/E ratio of Upstart is 51.02, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 42.25.

Price to Earnings Ratio vs. Sector

The P/E ratio of Upstart is 51.02, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 23.51.

Price to Earnings Growth Ratio

Upstart has a PEG Ratio of 0.88. 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 3.05. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

32.24% 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 6.22.

Change versus previous month

Short interest in Upstart has recently increased by 4.71%, indicating that investor sentiment is decreasing.

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: 2.9 / 5
• News Sentiment: 0.57

News Sentiment

Upstart has a news sentiment score of 0.57. 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 0.75 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

Only 13 people have searched for UPST on MarketBeat in the last 30 days. This is a decrease of -38% compared to the previous 30 days.

MarketBeat Follows

10 people have added Upstart to their MarketBeat watchlist in the last 30 days. This is an increase of 43% compared to the previous 30 days.

Company Ownership

• Score: 2.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In 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 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: 9/19/2026
• Next Earnings (Estimated): 11/03/2026
• 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: $43.75
• High Price Target: $71.00
• Low Price Target: $20.00
• Potential Upside/Downside: +75.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.41
• Research Coverage: 17 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.49
• Trailing P/E Ratio: 51.02
• Forward P/E Ratio: 34.72
• P/E Growth: 0.88
• 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: 2.33
• Cash Flow: $0.81 per share
• Price / Cash Flow: 31.01
• Book Value: $8.21 per share
• Price / Book: 3.05

Miscellaneous

• Outstanding Shares: 97,310,000
• Free Float: 80,488,000
• Market Cap: $2.43 billion
• Optionable: Optionable
• Beta: 2.16