UPST

Upstart Holdings, Inc. NASDAQ

Financial Services ·Financial - Credit Services ·US · upstart.com

$32.08

Mkt Cap $3.1B

52w Low $23.96 12.8% of range 52w High $87.30

50d MA $28.73 200d MA $47.22

P/E (TTM) 58.5x

EV/EBITDA 68.1x

P/B 3.9x

Debt/Equity 2.3x

ROE 6.7%

P/FCF -25.3x

RSI (14) —

ATR (14) —

Beta 2.16

50d MA $28.73

200d MA $47.22

Avg Volume 5.3M

About

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.

Recent Earnings

Date	Time	Est	Rptd	Surp	Base	Gap%	D1%	D2%	D3%	D4%	D5%	Guide ▲★
Feb 10, 2026	AMC	0.47	0.46	-2.1%	38.96	-3.7%	-15.0%	-22.5%	-21.3%	-17.9%	-19.1%	—
Nov 4, 2025	AMC	0.42	0.52	+23.8%	46.24	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%	—
Aug 5, 2025	AMC	0.27	0.36	+33.3%	82.62	-2.7%	-18.7%	-15.8%	-16.8%	-23.2%	-23.3%	—
May 6, 2025	AMC	0.19	0.30	+57.9%	51.40	-16.3%	-9.6%	-6.8%	-8.2%	+3.0%	+4.4%	—
Feb 11, 2025	AMC	-0.04	0.26	+750.0%	67.34	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%	—
Nov 7, 2024	AMC	-0.15	-0.06	+59.1%	55.47	+17.7%	+46.0%	+39.7%	+25.2%	+22.2%	+21.5%	—
Aug 6, 2024	AMC	-0.39	-0.17	+56.4%	23.87	+25.7%	+39.5%	+43.3%	+51.9%	+43.2%	+58.5%	—
May 7, 2024	AMC	-0.38	-0.31	+18.4%	24.47	-14.6%	-5.6%	+6.9%	+3.8%	+12.1%	+16.8%	—
Feb 13, 2024	AMC	-0.15	-0.11	+26.7%	32.92	-10.7%	-19.6%	-17.6%	-20.4%	-22.4%	-25.5%	—
Nov 7, 2023	AMC	-0.02	-0.05	-206.7%	29.41	-27.6%	-27.3%	-28.2%	-29.0%	-25.7%	-13.5%	—
Aug 8, 2023	AMC	-0.06	0.06	+200.0%	51.75	-17.3%	-34.2%	-38.1%	-35.3%	-32.7%	-36.0%	—
May 9, 2023	AMC	-0.82	-0.47	+42.7%	14.09	+39.4%	+34.6%	+19.0%	+16.3%	+43.8%	+37.5%	—

Recent Analyst Ratings

Date	Firm	Action	Grade	Target	Base	Open	Gap%	D1%	D2%	D3%	D4%	D5%
Apr 9	BTIG	Maintains	Buy → Buy	—	$27.31	$27.19	-0.4%	+0.4%	-0.2%	+2.7%	+8.1%	+22.2%
Mar 26	Mizuho	Maintains	Outperform → Outperform	—	$26.09	$25.54	-2.1%	-2.9%	-5.1%	-7.2%	-1.7%	-2.8%
Mar 16	BTIG	Upgrade	Neutral → Buy	—	$26.36	$27.73	+5.2%	+5.4%	+5.6%	-2.0%	+1.6%	-1.4%
Mar 11	Needham	Maintains	Buy → Buy	—	$28.16	$29.01	+3.0%	-2.5%	-8.5%	-6.4%	-1.3%	-1.2%
Mar 4	Needham	Maintains	Buy → Buy	—	$28.24	$28.53	+1.0%	+0.4%	+1.3%	-1.6%	-1.1%	-0.3%
Feb 18	Citizens	Maintains	Market Underperform → Market Underperform	—	$31.97	$32.21	+0.8%	-1.4%	-4.1%	-8.4%	-14.7%	-12.0%
Feb 17	Compass Point	Upgrade	Sell → Neutral	—	$30.68	$30.97	+0.9%	+4.2%	+2.8%	-0.1%	-4.5%	-11.1%
Feb 13	Goldman Sachs	Upgrade	Sell → Neutral	—	$30.19	$29.87	-1.1%	+1.6%	+5.9%	+4.4%	+1.5%	-3.0%
Feb 13	Citizens	Downgrade	Market Perform → Market Underperform	—	$30.19	$29.87	-1.1%	+1.6%	+5.9%	+4.4%	+1.5%	-3.0%
Feb 11	Truist	Maintains	Buy → Buy	—	$38.96	$37.52	-3.7%	-15.0%	-22.5%	-21.3%	-17.9%	-19.1%
Feb 11	Needham	Maintains	Buy → Buy	—	$38.96	$37.52	-3.7%	-15.0%	-22.5%	-21.3%	-17.9%	-19.1%
Nov 5	JP Morgan	Maintains	Overweight → Overweight	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Nov 5	BTIG	Maintains	Neutral → Neutral	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Nov 5	BofA Securities	Maintains	Neutral → Neutral	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Nov 5	Piper Sandler	Maintains	Overweight → Overweight	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Nov 5	Stephens & Co.	Maintains	Equal Weight → Equal Weight	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Nov 5	Needham	Maintains	Buy → Buy	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Nov 5	Citigroup	Maintains	Buy → Buy	—	$46.24	$39.38	-14.8%	-9.7%	-18.4%	-16.5%	-16.2%	-15.8%
Oct 13	Goldman Sachs	Maintains	Sell → Sell	—	$48.58	$49.57	+2.0%	+2.1%	+3.7%	+5.1%	-1.6%	-4.3%
Aug 20	JP Morgan	Upgrade	Neutral → Overweight	—	$61.59	$63.31	+2.8%	+3.7%	+3.1%	+11.8%	+12.3%	+11.9%
Aug 6	Morgan Stanley	Maintains	Equal Weight → Equal Weight	—	$82.62	$80.39	-2.7%	-18.7%	-15.8%	-16.8%	-23.2%	-23.3%
Aug 6	Piper Sandler	Maintains	Overweight → Overweight	—	$82.62	$80.39	-2.7%	-18.7%	-15.8%	-16.8%	-23.2%	-23.3%
Aug 6	Needham	Maintains	Buy → Buy	—	$82.62	$80.39	-2.7%	-18.7%	-15.8%	-16.8%	-23.2%	-23.3%
Aug 6	BofA Securities	Maintains	Neutral → Neutral	—	$82.62	$80.39	-2.7%	-18.7%	-15.8%	-16.8%	-23.2%	-23.3%
May 19	Needham	Maintains	Buy → Buy	—	$48.08	$45.91	-4.5%	-1.3%	-3.0%	-8.7%	-5.1%	-5.9%
May 12	Barclays	Maintains	Equal Weight → Equal Weight	—	$47.17	$50.91	+7.9%	+12.3%	+13.8%	+8.8%	+0.5%	+1.9%
May 8	Goldman Sachs	Maintains	Sell → Sell	—	$46.44	$48.03	+3.4%	+3.2%	+1.6%	+14.0%	+15.6%	+10.5%
May 7	Needham	Maintains	Buy → Buy	—	$51.40	$43.02	-16.3%	-9.6%	-6.8%	-8.2%	+3.0%	+4.4%
May 7	Morgan Stanley	Maintains	Equal Weight → Equal Weight	—	$51.40	$43.02	-16.3%	-9.6%	-6.8%	-8.2%	+3.0%	+4.4%
May 7	Piper Sandler	Maintains	Overweight → Overweight	—	$51.40	$43.02	-16.3%	-9.6%	-6.8%	-8.2%	+3.0%	+4.4%
Apr 29	BofA Securities	Upgrade	Underperform → Neutral	—	$48.10	$50.01	+4.0%	+2.3%	-0.6%	-0.9%	+4.1%	+8.1%
Apr 14	Barclays	Maintains	Equal Weight → Equal Weight	—	$38.99	$40.51	+3.9%	+2.5%	+3.7%	+1.1%	+5.0%	+1.9%
Feb 18	Barclays	Maintains	Equal Weight → Equal Weight	—	$82.42	$83.30	+1.1%	+5.4%	+0.8%	-3.9%	-12.9%	-14.5%
Feb 14	Morgan Stanley	Upgrade	Underweight → Equal Weight	—	$84.16	$80.19	-4.7%	-2.1%	+3.2%	-1.2%	-5.9%	-14.7%
Feb 13	Citigroup	Maintains	Buy → Buy	—	$88.77	$87.79	-1.1%	-5.2%	-7.2%	-2.1%	-6.4%	-10.8%
Feb 12	Needham	Maintains	Buy → Buy	—	$67.34	$83.44	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%
Feb 12	Goldman Sachs	Maintains	Sell → Sell	—	$67.34	$83.44	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%
Feb 12	B. Riley Securities	Upgrade	Neutral → Buy	—	$67.34	$83.44	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%
Feb 12	Piper Sandler	Maintains	Overweight → Overweight	—	$67.34	$83.44	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%
Feb 12	JP Morgan	Upgrade	Underweight → Neutral	—	$67.34	$83.44	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%
Feb 12	BofA Securities	Maintains	Underperform → Underperform	—	$67.34	$83.44	+23.9%	+31.8%	+25.0%	+22.4%	+29.0%	+23.4%
Dec 13	Needham	Upgrade	Hold → Buy	—	$77.08	$80.21	+4.1%	+9.6%	+8.9%	+7.7%	-4.9%	-12.8%
Dec 3	Redburn Atlantic	Upgrade	Neutral → Buy	—	$67.39	$68.50	+1.6%	+8.0%	+10.7%	+8.9%	+14.5%	+13.4%
Dec 2	JP Morgan	Downgrade	Neutral → Underweight	—	$78.79	$74.66	-5.2%	-14.5%	-7.6%	-5.3%	-6.8%	-2.1%
Nov 11	BTIG	Upgrade	Sell → Neutral	—	$81.00	$79.39	-2.0%	-4.3%	-14.3%	-16.3%	-16.8%	-15.6%
Nov 8	Citigroup	Upgrade	Neutral → Buy	—	$55.47	$65.27	+17.7%	+46.0%	+39.7%	+25.2%	+22.2%	+21.5%
Nov 8	JP Morgan	Upgrade	Underweight → Neutral	—	$55.47	$65.27	+17.7%	+46.0%	+39.7%	+25.2%	+22.2%	+21.5%
Nov 8	Wedbush	Maintains	Neutral → Neutral	—	$55.47	$65.27	+17.7%	+46.0%	+39.7%	+25.2%	+22.2%	+21.5%
Nov 8	Piper Sandler	Upgrade	Neutral → Overweight	—	$55.47	$65.27	+17.7%	+46.0%	+39.7%	+25.2%	+22.2%	+21.5%
Oct 19	Citigroup	Maintains	Neutral → Neutral	—	—	—	—	—	—	—	—	—

Recent Filings

8-K · 8.01 !! High

Unknown — 8-K 8.01: Material Event / Announcement

Upstart's application for a national bank charter could enable direct lending operations, reduce reliance on bank partners, and improve profit margins through capturing more of the lending spread.

Mar 10

8-K · 8.01 !! High

Upstart Holdings, Inc. -- 8-K 8.01: Material Event / Announcement

Upstart repurchased $100 million of its common stock at $31.31 per share, reducing share count and demonstrating management confidence in the company's valuation.

Feb 19

8-K · 5.02 !!! Very High

Upstart Holdings, Inc. -- 8-K 5.02: Executive Change

Upstart Holdings promoted Paul Gu to Executive Chairman while appointing Sanjay Datta as President and Andrea Blankmeyer as CFO, signaling significant leadership restructuring effective May 2026.

Feb 10

8-K

Upstart Holdings, Inc. -- 8-K Filing

Upstart Holdings reported fourth quarter and full year 2025 financial results while announcing leadership changes, signaling potential strategic shifts in management direction.

Feb 10

Data updated apr 27, 2026 6:56am · Source: massive.com