UPST
Upstart Holdings, Inc. NASDAQ Listed Dec 16, 2020$29.43
Pre-mkt
$29.69
+0.89%
Mkt Cap $2.8B
52w Low $23.96
8.9% of range
52w High $85.31
50d MA $31.11
200d MA $36.04
P/E (TTM)
57.0x
EV/EBITDA
57.6x
P/B
3.5x
Debt/Equity
2.3x
ROE
6.7%
P/FCF
-19.0x
RSI (14)
39.20
ATR (14)
$1.37
Beta
2.16
50d MA
$31.11
200d MA
$36.04
Avg Volume
3.8M
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.
2950 South Delaware Street · San Mateo, CA 94403 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| May 5, 2026 | AMC | 0.39 | -0.07 | -117.9% | 31.17 | -10.2% | -7.9% | +1.0% | -0.1% | -0.9% | -3.0% | — |
| Feb 10, 2026 | AMC | 0.47 | 0.46 | -2.1% | 38.96 | -3.7% | -15.0% | -8.8% | +1.6% | +4.2% | -1.4% | — |
| Nov 4, 2025 | AMC | 0.42 | 0.52 | +23.8% | 46.24 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% | — |
| Aug 5, 2025 | AMC | 0.27 | 0.36 | +33.3% | 82.62 | -2.7% | -18.7% | +3.6% | -1.1% | -7.7% | -0.1% | — |
| May 6, 2025 | AMC | 0.19 | 0.30 | +57.9% | 51.40 | -16.3% | -9.6% | +3.2% | -1.6% | +12.3% | +1.4% | — |
| Feb 11, 2025 | AMC | -0.04 | 0.26 | +750.0% | 67.34 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% | — |
| Nov 7, 2024 | AMC | -0.15 | -0.06 | +59.1% | 55.47 | +17.7% | +46.0% | -4.3% | -10.4% | -2.3% | -0.6% | — |
| Aug 6, 2024 | AMC | -0.39 | -0.17 | +56.4% | 23.87 | +25.7% | +39.5% | +2.7% | +6.0% | -5.7% | +10.7% | — |
| May 7, 2024 | AMC | -0.38 | -0.31 | +18.4% | 24.47 | -14.6% | -5.6% | +13.2% | -2.9% | +8.0% | +4.2% | — |
| Feb 13, 2024 | AMC | -0.15 | -0.11 | +26.7% | 32.92 | -10.7% | -19.6% | +2.5% | -3.4% | -2.5% | -4.0% | — |
| Nov 7, 2023 | AMC | -0.02 | -0.05 | -206.7% | 29.41 | -27.6% | -27.3% | -1.2% | -1.2% | +4.6% | +16.4% | — |
| Aug 8, 2023 | AMC | -0.06 | 0.06 | +200.0% | 51.75 | -17.3% | -34.2% | -5.8% | +4.5% | +3.9% | -4.9% | — |
| May 9, 2023 | AMC | -0.82 | -0.47 | +42.7% | 14.09 | +39.4% | +34.6% | -11.6% | -2.3% | +23.6% | -4.3% | — |
| 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% | -0.5% | +2.9% | +5.2% | +13.0% |
| Mar 26 | Mizuho | Maintains | Outperform → Outperform | — | $26.09 | $25.54 | -2.1% | -2.9% | -2.2% | -2.2% | +5.9% | -1.1% |
| Mar 16 | BTIG | Upgrade | Neutral → Buy | — | $26.36 | $27.73 | +5.2% | +5.4% | +0.1% | -7.2% | +3.6% | -3.0% |
| Mar 11 | Needham | Maintains | Buy → Buy | — | $28.16 | $29.01 | +3.0% | -2.5% | -6.2% | +2.3% | +5.4% | +0.1% |
| Mar 4 | Needham | Maintains | Buy → Buy | — | $28.24 | $28.53 | +1.0% | +0.4% | +0.9% | -2.9% | +0.5% | +0.9% |
| Feb 18 | Citizens | Maintains | Market Underperform → Market Underperform | — | $31.97 | $32.21 | +0.8% | -1.4% | -2.8% | -4.4% | -6.9% | +3.2% |
| Feb 17 | Compass Point | Upgrade | Sell → Neutral | — | $30.68 | $30.97 | +0.9% | +4.2% | -1.4% | -2.8% | -4.4% | -6.9% |
| Feb 13 | Goldman Sachs | Upgrade | Sell → Neutral | — | $30.19 | $29.87 | -1.1% | +1.6% | +4.2% | -1.4% | -2.8% | -4.4% |
| Feb 13 | Citizens | Downgrade | Market Perform → Market Underperform | — | $30.19 | $29.87 | -1.1% | +1.6% | +4.2% | -1.4% | -2.8% | -4.4% |
| Feb 11 | Truist | Maintains | Buy → Buy | — | $38.96 | $37.52 | -3.7% | -15.0% | -8.8% | +1.6% | +4.2% | -1.4% |
| Feb 11 | Needham | Maintains | Buy → Buy | — | $38.96 | $37.52 | -3.7% | -15.0% | -8.8% | +1.6% | +4.2% | -1.4% |
| Nov 5 | JP Morgan | Maintains | Overweight → Overweight | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Nov 5 | BTIG | Maintains | Neutral → Neutral | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Nov 5 | BofA Securities | Maintains | Neutral → Neutral | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Nov 5 | Piper Sandler | Maintains | Overweight → Overweight | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Nov 5 | Stephens & Co. | Maintains | Equal Weight → Equal Weight | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Nov 5 | Needham | Maintains | Buy → Buy | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Nov 5 | Citigroup | Maintains | Buy → Buy | — | $46.24 | $39.38 | -14.8% | -9.7% | -9.6% | +2.3% | +0.4% | +0.4% |
| Oct 13 | Goldman Sachs | Maintains | Sell → Sell | — | $48.58 | $49.57 | +2.0% | +2.1% | +1.6% | +1.3% | -6.4% | -2.7% |
| Aug 20 | JP Morgan | Upgrade | Neutral → Overweight | — | $61.59 | $63.31 | +2.8% | +3.7% | -0.6% | +8.4% | +0.4% | -0.4% |
| Aug 6 | Morgan Stanley | Maintains | Equal Weight → Equal Weight | — | $82.62 | $80.39 | -2.7% | -18.7% | +3.6% | -1.1% | -7.7% | -0.1% |
| Aug 6 | Piper Sandler | Maintains | Overweight → Overweight | — | $82.62 | $80.39 | -2.7% | -18.7% | +3.6% | -1.1% | -7.7% | -0.1% |
| Aug 6 | Needham | Maintains | Buy → Buy | — | $82.62 | $80.39 | -2.7% | -18.7% | +3.6% | -1.1% | -7.7% | -0.1% |
| Aug 6 | BofA Securities | Maintains | Neutral → Neutral | — | $82.62 | $80.39 | -2.7% | -18.7% | +3.6% | -1.1% | -7.7% | -0.1% |
| May 19 | Needham | Maintains | Buy → Buy | — | $48.08 | $45.91 | -4.5% | -1.3% | -1.7% | -5.8% | +3.9% | -0.8% |
| May 12 | Barclays | Maintains | Equal Weight → Equal Weight | — | $47.17 | $50.91 | +7.9% | +12.3% | +1.4% | -4.4% | -7.7% | +1.5% |
| May 8 | Goldman Sachs | Maintains | Sell → Sell | — | $46.44 | $48.03 | +3.4% | +3.2% | -1.6% | +12.3% | +1.4% | -4.4% |
| May 7 | Needham | Maintains | Buy → Buy | — | $51.40 | $43.02 | -16.3% | -9.6% | +3.2% | -1.6% | +12.3% | +1.4% |
| May 7 | Morgan Stanley | Maintains | Equal Weight → Equal Weight | — | $51.40 | $43.02 | -16.3% | -9.6% | +3.2% | -1.6% | +12.3% | +1.4% |
| May 7 | Piper Sandler | Maintains | Overweight → Overweight | — | $51.40 | $43.02 | -16.3% | -9.6% | +3.2% | -1.6% | +12.3% | +1.4% |
| Apr 29 | BofA Securities | Upgrade | Underperform → Neutral | — | $48.10 | $50.01 | +4.0% | +2.3% | -2.8% | -0.2% | +5.0% | +3.8% |
| Apr 14 | Barclays | Maintains | Equal Weight → Equal Weight | — | $38.99 | $40.51 | +3.9% | +2.5% | +1.2% | -2.5% | +3.8% | -2.9% |
| Feb 18 | Barclays | Maintains | Equal Weight → Equal Weight | — | $82.42 | $83.30 | +1.1% | +5.4% | -4.4% | -4.7% | -9.4% | -1.8% |
| Feb 14 | Morgan Stanley | Upgrade | Underweight → Equal Weight | — | $84.16 | $80.19 | -4.7% | -2.1% | +5.4% | -4.4% | -4.7% | -9.4% |
| Feb 13 | Citigroup | Maintains | Buy → Buy | — | $88.77 | $87.79 | -1.1% | -5.2% | -2.1% | +5.4% | -4.4% | -4.7% |
| Feb 12 | Needham | Maintains | Buy → Buy | — | $67.34 | $83.44 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% |
| Feb 12 | Goldman Sachs | Maintains | Sell → Sell | — | $67.34 | $83.44 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% |
| Feb 12 | B. Riley Securities | Upgrade | Neutral → Buy | — | $67.34 | $83.44 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% |
| Feb 12 | Piper Sandler | Maintains | Overweight → Overweight | — | $67.34 | $83.44 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% |
| Feb 12 | JP Morgan | Upgrade | Underweight → Neutral | — | $67.34 | $83.44 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% |
| Feb 12 | BofA Securities | Maintains | Underperform → Underperform | — | $67.34 | $83.44 | +23.9% | +31.8% | -5.2% | -2.1% | +5.4% | -4.4% |
| Dec 13 | Needham | Upgrade | Hold → Buy | — | $77.08 | $80.21 | +4.1% | +9.6% | -0.7% | -1.1% | -11.7% | -8.3% |
| Dec 3 | Redburn Atlantic | Upgrade | Neutral → Buy | — | $67.39 | $68.50 | +1.6% | +8.0% | +2.5% | -1.6% | +5.1% | -1.0% |
| Dec 2 | JP Morgan | Downgrade | Neutral → Underweight | — | $78.79 | $74.66 | -5.2% | -14.5% | +8.0% | +2.5% | -1.6% | +5.1% |
| Nov 11 | BTIG | Upgrade | Sell → Neutral | — | $81.00 | $79.39 | -2.0% | -4.3% | -10.4% | -2.3% | -0.6% | +1.4% |
| Nov 8 | Citigroup | Upgrade | Neutral → Buy | — | $55.47 | $65.27 | +17.7% | +46.0% | -4.3% | -10.4% | -2.3% | -0.6% |
| Nov 8 | JP Morgan | Upgrade | Underweight → Neutral | — | $55.47 | $65.27 | +17.7% | +46.0% | -4.3% | -10.4% | -2.3% | -0.6% |
| Nov 8 | Wedbush | Maintains | Neutral → Neutral | — | $55.47 | $65.27 | +17.7% | +46.0% | -4.3% | -10.4% | -2.3% | -0.6% |
| Nov 8 | Piper Sandler | Upgrade | Neutral → Overweight | — | $55.47 | $65.27 | +17.7% | +46.0% | -4.3% | -10.4% | -2.3% | -0.6% |
| Oct 19 | Citigroup | Maintains | Neutral → Neutral | — | — | — | — | — | — | — | — | — |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| Jun 9, 2026 | Datta SanjayOff | President, Capital& Enterprise | Sell | 15,000 | $30.41 | $456K | 313,556 | -4.06% | +6.47% |
| May 26, 2026 | Mirgorodskaya NataliaOff | See Remarks | Sell | 974 | $28.99 | $28K | 37,374 | +6.41% | -6.48% |
| May 15, 2026 | Datta SanjayOff | President, Capital& Enterprise | Sell | 1,011 | $30.03 | $30K | 336,541 | +0.50% | +7.21% |
| May 15, 2026 | Datta SanjayOff | President, Capital& Enterprise | Sell | 806 | $28.96 | $23K | 337,552 | +0.50% | +7.21% |
| May 15, 2026 | Blankmeyer AndreaOff | Chief Financial Officer | Sell | 101 | $30.54 | $3K | 162,383 | +0.50% | +7.21% |
| May 15, 2026 | Blankmeyer AndreaOff | Chief Financial Officer | Sell | 4,184 | $30.05 | $126K | 162,484 | +0.50% | +7.21% |
| May 15, 2026 | Blankmeyer AndreaOff | Chief Financial Officer | Sell | 2,759 | $28.96 | $80K | 166,668 | +0.50% | +7.21% |
| May 15, 2026 | Darling ScottOff | Chief Legal Officer | Sell | 441 | $29.99 | $13K | 102,609 | +0.50% | +7.21% |
| May 15, 2026 | Darling ScottOff | Chief Legal Officer | Sell | 286 | $28.84 | $8K | 103,864 | +0.50% | +7.21% |
| May 13, 2026 | Gu PaulDir/Off | Chief Executive Officer | Buy | 50,000 | $27.50 | $1.4M | 70,000 | -0.67% | +0.03% |
| May 7, 2026 | Girouard DaveDir | — | Buy | 300 | $29.76 | $9K | 8,512,941 | -0.93% | -0.67% |
| May 7, 2026 | Girouard DaveDir | — | Buy | 169,940 | $29.37 | $5.0M | 8,512,641 | -0.93% | -0.67% |
8-K · 5.02
!!! Very High
Upstart Holdings, Inc. -- 8-K 5.02: Executive Change
Upstart Holdings appointed Tim Wennes as a Class I director while Jeff Huber resigned, signaling potential strategic shifts in board composition and governance priorities.
May 19
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
Institutional (13F) — Top 20
All ↗
| # | Manager | Shares | Value | Chg | Period |
|---|---|---|---|---|---|
| 1 | Morgan Stanley | 8,413,230 | $368M | Added | Dec 2025 |
| 2 | Vanguard Capital Management Llc | 3,752,050 | $96M | New | Mar 2026 |
| 3 | Vanguard Portfolio Management Llc | 3,743,541 | $96M | New | Mar 2026 |
| 4 | Marshall Wace, Llp | 3,280,110 | $84M | Added | Mar 2026 |
| 5 | Connor, Clark & Lunn Investment Management Ltd. | 850,839 | $37M | Reduced | Dec 2025 |
| 6 | Barclays Plc | 1,272,286 | $33M | Added | Mar 2026 |
| 7 | Ubs Group Ag | 881,867 | $23M | Added | Mar 2026 |
| 8 | Coatue Management | 870,947 | $22M | New | Mar 2026 |
| 9 | Capital Fund Management S.a. | 846,779 | $22M | Added | Mar 2026 |
| 10 | Northern Trust Corp | 758,887 | $19M | Added | Mar 2026 |
| 11 | Point72 Asset Management | 756,060 | $19M | Added | Mar 2026 |
| 12 | Millennium Management | 668,064 | $17M | Added | Mar 2026 |
| 13 | Citadel Advisors Llc | 631,162 | $16M | Reduced | Mar 2026 |
| 14 | Bank Of America Corp /de/ | 505,978 | $13M | Added | Mar 2026 |
| 15 | Gc Wealth Management Ria, Llc | 249,474 | $11M | Added | Dec 2025 |
| 16 | First Trust Advisors Lp | 373,455 | $10M | Added | Mar 2026 |
| 17 | Pathstone Holdings, Llc | 337,287 | $9M | — | Mar 2026 |
| 18 | Susquehanna International Group, Llp | 326,106 | $8M | Reduced | Mar 2026 |
| 19 | Jane Street Group, Llc | 188,484 | $8M | Reduced | Dec 2025 |
| 20 | Bank Of New York Mellon Corp | 267,341 | $7M | Reduced | Mar 2026 |
Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$2.82B
Enterprise Value
$4.24B
P/E (TTM)
57.02x
Forward P/E
14.91x
PEG Ratio
-0.56x
P/B
3.54x
P/S
2.42x
P/FCF
-19.04x
EV/EBITDA
57.64x
Shares Out
107.5M
Financials (TTM)
Revenue
$1.16B
Net Income
$49.4M
EBITDA
$73.5M
Free Cash Flow
-$166.1M
Op Cash Flow
-$147.7M
EPS Basic
$0.56
EPS Diluted
$0.41
EPS Forward
$1.97
Gross Margin
95.7%
Op Margin
4.2%
Net Margin
4.2%
Balance Sheet
Total Assets
$2.97B
Total Liab.
$2.18B
Total Equity
$798.8M
Cash
$657.4M
LT Debt
$1.73B
Book Value/Sh
$8.32
Debt/Equity
2.32x
Current Ratio
2.99
Quick Ratio
2.99
Returns & Growth
ROE
6.7%
ROA
1.8%
ROIC
2.0%
Rev Growth YoY
+58.9%
EPS Growth YoY
+138.9%
Price Returns
2W
+2.1%
1M
-14.3%
3M
-8.3%
6M
-22.4%
12M
-64.5%
Technicals
52W High
$85.31
52W Low
$23.96
50d MA
$31.11
200d MA
$36.04
RSI (14)
39.20
ATR (14)
$1.37
Beta
2.16
Avg Volume
3.8M
Dividends
Div Rate
$0.00
Div Yield
—
Frequency
—
Ex-Div Date
—
Analyst Price Targets
Consensus
$45.17
High
$56.00
Low
$30.00
Median
$47.00
Data updated apr 27, 2026 6:56am
· Source: financialmodelingprep.com