Upstart (UPST) Stock Price, News & Analysis

Company Overview

Upstart Holdings, Inc. operates a cloud-based artificial intelligence lending marketplace designed to provide consumers with personal and auto loans through its network of partner banks and credit unions. Leveraging machine learning algorithms, the company offers an alternative to traditional credit-scoring models by analyzing over 1,600 variables—such as education, employment history and real‐time economic data—to assess borrower creditworthiness more accurately. Through its platform, Upstart aims to deliver a digital-first borrowing experience that emphasizes speed, transparency and fairness in lending decisions.

The Upstart platform supports various loan products, including unsecured personal loans, auto refinancing and near‐prime lending solutions. Its technology enables financial institutions to automate underwriting, pricing and loan servicing tasks, helping partners expand into markets they might not otherwise serve. Upstart also provides tools for portfolio monitoring and risk management, allowing banks and credit unions to integrate AI-driven decisioning into existing systems while adhering to regulatory requirements.

Originally founded in 2012 by former Google employees Dave Girouard, Anna M. Pineda and Paul Gu, Upstart launched its lending marketplace to democratize access to credit for consumers often overlooked by conventional models. The company completed its initial public offering on the NASDAQ in December 2020 under the ticker UPST. Since then, Upstart has focused on broadening its product suite, enhancing its artificial intelligence capabilities and forging new partnerships to serve borrowers across the United States.

Upstart’s leadership team is led by CEO Dave Girouard, whose background includes senior roles at both Google and enterprise software companies, and a board that features veterans from financial services, technology and risk management. Headquartered in San Mateo, California, Upstart continues to invest in research and development, with the goal of refining its AI models and expanding its lending solutions to additional markets over time.

Key Stats

• Today's Range: $77.03 to $79.70
• 50-Day Range: $43.92 to $79.03
• 52-Week Range: $20.60 to $96.43
• Volume: 3.90 million shs
• Average Volume: 6.85 million shs
• Market Capitalization: $7.46 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 77% of companies evaluated by MarketBeat, and ranked 347th out of 933 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 7 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 Book Value per Share Ratio

Upstart has a P/B Ratio of 11.29. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

20.07% 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 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Upstart has recently decreased by 25.06%, indicating that investor sentiment is improving 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

20.07% 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 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Upstart has recently decreased by 25.06%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.39

News Sentiment

Upstart has a news sentiment score of 0.39. 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 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 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 42% compared to the previous 30 days.

MarketBeat Follows

15 people have added Upstart to their MarketBeat watchlist in the last 30 days. This is an increase of 36% 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 beginning of 2025. Since then, UPST shares have increased by 27.3% and is now trading at $78.36.

How were Upstart's earnings last quarter?

Upstart Holdings, Inc. (NASDAQ:UPST) posted its quarterly earnings data on Tuesday, May, 6th. The company reported $0.30 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.19 by $0.11. The business's revenue for the quarter was up 67.0% compared to the same quarter last year.
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 a price of $20.00-$22.00 per share. Goldman Sachs, BofA Securities and Citigroup served 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 Guided Capital Wealth Management LLC (0.04%), TCI Wealth Advisors Inc. (0.04%), Kera Capital Partners Inc. (0.02%) and Cadent Capital Advisors LLC (0.02%). 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: 7/18/2025
• 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: -8.6%
• 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: 11.71
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $6.94 per share
• Price / Book: 11.29

Miscellaneous

• Outstanding Shares: 95,140,000
• Free Float: 79,284,000
• Market Cap: $7.46 billion
• Optionable: Optionable
• Beta: 2.37