Upstart Holdings, Inc. (UPST)
| Market Cap | 4.55B |
| Revenue (ttm) | 997.75M |
| Net Income (ttm) | 32.21M |
| Shares Out | 97.29M |
| EPS (ttm) | 0.26 |
| PE Ratio | 182.25 |
| Forward PE | 21.03 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 3,275,225 |
| Open | 46.39 |
| Previous Close | 47.13 |
| Day's Range | 45.94 - 47.75 |
| 52-Week Range | 31.40 - 96.43 |
| Beta | 2.28 |
| Analysts | Hold |
| Price Target | 60.79 (+30.03%) |
| Earnings Date | Nov 4, 2025 |
About UPST
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California. [Read more]
Financial Performance
In 2024, Upstart Holdings's revenue was $676.96 million, an increase of 23.43% compared to the previous year's $548.46 million. Losses were -$128.58 million, -46.45% less than in 2023.
Financial StatementsAnalyst Forecast
According to 13 analysts, the average rating for UPST stock is "Hold." The 12-month stock price target is $60.79, which is an increase of 30.03% from the latest price.
News
10 AI Stocks Worth Buying Right Now
Artificial intelligence (AI) will reshape industries for decades, making early positioning in focused AI players critical. Smaller AI companies often offer more upside than megacaps that have already ...
Upstart: Improving Fundamentals And A Still Discounted Price
Upstart is rated a BUY due to strong execution, AI-driven loan automation, and compelling forward valuation multiples after a significant share price decline. UPST's Q3 saw 80% YoY transaction volume ...
Upstart: Beware The Issues In The Auto Loan Kitchen
Initiate coverage on Upstart Holdings, with a hold rating. Q3 showed Upstart's model can scale profitably, but macro and credit headlines can quickly cap loan originations and pressure guidance. Q3 de...
1 Intriguing Artificial Intelligence (AI) Stock That Could Soar by Up to 91%, According to Wall Street
Upstart developed an artificial intelligence (AI)-powered algorithm that analyzes over 2,500 data points to determine the creditworthiness of potential borrowers. Upstart stock is down 35% this year a...
My 2 Favorite Stocks to Buy Now
It's unclear where the market goes from here, but investors should take advantage of bargains while they're available. Figma has been on a roller coaster since going public, but it's making the right ...
Down 58%, This Fast-Growing Fintech Stock Could Be a Brilliant Buy Right Now
Rising credit risk has weighed on fintech stocks like Upstart. The business has demonstrated a number of improvements this year, even as the stock has pulled back.
2 Stocks That Would Benefit From President Trump's 50-Year Mortgage Proposal
Trump is considering a proposal that would expand a 30-year limit on mortgage terms to 50 years. Upstart recently released a home product that could become an important mortgage tool.
Looking For A Squeeze? Here Are The Top 10 Most Shorted Stocks
Short interest data offers a look into investor sentiment and potential risk within the stock market and can help investors gauge how much skepticism or confidence the market has in a company's future...
Could Upstart 10X by 2030?
Upstart (UPST 1.41%) has surprised a lot of investors with its incredible comeback after a few dismal post-pandemic years. It is now on pace to achieve $1 billion in revenue for the first time in its ...
Upstart: Artificial Pain
Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline. The AI lending platform misinterpret...
Upstart: Strong Platform Growth, High Margins, Cheap P/E
Upstart delivered strong Q3 results on November 4, 2025, with 80% Y/Y origination growth and a 71% Y/Y increase in revenues, driven by robust loan demand. The Fintech achieved a significant improvemen...
Upstart: The Buying Opportunity I've Been Waiting For (Rating Upgrade)
It's time to upgrade the stock, as recent stock price declines create an attractive entry point for growth-focused investors. Upstart continues to deliver solid revenue growth and profitability, despi...
Should Investors Buy Upstart Stock Right Now?
Upstart (UPST 0.46%) is a lending platform that uses artificial intelligence to make lending decisions.
Upstart Announces $1.5B Forward-Flow Agreement with Castlelake
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), an artificial intelligence (AI) lending marketplace, announced today a forward-flow commitment from funds managed by Castlelake, L.P. (“Cast...
Upstart Holdings, Inc. (UPST) Q3 2025 Earnings Call Transcript
Upstart Holdings, Inc. ( UPST) Q3 2025 Earnings Call November 4, 2025 4:30 PM EST Company Participants Sonya Banerjee - Head of Investor Relations David Girouard - Co-Founder, President, CEO & Chairp...
Upstart Says Originations Leap as Consumer Credit Strength Improves
Artificial intelligence (AI) lending marketplace Upstart saw growing consumer demand and steady consumer credit strength in the third quarter, executives said Tuesday (Nov. 4) during an earnings call....
Upstart's stock extends declines as the AI lender predicts slower growth
Upstart's December-quarter revenue is expected to slow more than Wall Street had been modeling.
Upstart Stock Slides After Mixed Q3 Results: Details
Upstart Holdings, Inc. (NASDAQ:UPST) stock slid after the company released its third-quarter earnings report after Tuesday's closing bell, missing revenue estimates for the quarter.
Upstart Announces Results for Third Quarter 2025
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Results for Third Quarter 2025.
Prediction: Upstart Will Be Worth More Than Affirm by 2035
Upstart is about one-fifth the size of Affirm by market cap. The business has impressive momentum and a massive market opportunity.
Puma Prowls As Job Cuts And Upstart Rivals Crowd The Playing Field
German sportswear giant Puma is set to cut 900 corporate jobs worldwide by the end of 2026, deepening a restructuring effort aimed at reviving growth after a sharp sales dip.
Upstart: Growth Is Being Underestimated; Maintaining Buy
Upstart's AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy. Despite market concerns, large bank earnings confirm ...
Better Growth Stock: Upstart vs. Nu Holdings
Upstart is approving more loans as interest rates decline. Nu's growth is cooling off and its near-term expenses are rising.
Peak Credit Union Selects Upstart for Personal Lending
OLYMPIA, Wash. & SAN MATEO, Calif.--(BUSINESS WIRE)--Peak Credit Union Selects Upstart for Personal Lending.
These 3 Beaten-Down Financial Stocks Could Have Farther to Fall
Despite the pullback, much of Chime Financial's valuation remains built on high expectations about future profitability progress. Progressive shares recently took a dive due to a one-time event, but t...