Latest market price
21.31
-1.71-7.43%
OverviewShort InterestFilings
UPSTQT27Upstart Holdings, Inc.·NASDAQ
21.31-7.43%
TA
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Signal & projected range
QT Score downgradeHistorical pattern — not a prediction
Range still being built for this setupWe don’t yet have a frozen historical track record for qt score downgrade to describe a reliable spread of outcomes. The projected range appears once its backtest is established.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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ECPG+0.25%$100.23WU+2.11%$6.29AGM+2.17%$206.55EZPW+2.24%$28.74PRG+9.90%$38.19ATLC-0.35%$93.13SLM+0.45%$17.88JCAP+2.84%$20.28
Snapshot
Index—P/E41.78EPS (ttm)0.51Insider Own12.08%Shs Outstand97.31MPerf Week-7.35%
Market Cap2.07BForward P/E11.02EPS next Y1.93Insider Trans0.62%Shs Float83.24MPerf Month-6.58%
Enterprise Value3.64BPEG0.39EPS next Q0.21Short Float32.30%Perf Quarter-29.72%
Income61.00MP/S1.61EPS this Y-61.35%Short Ratio6.18Perf Half Y-33.57%
Sales1.29BP/B2.60EPS next Y199.31%ROA1.90%Short Interest26.89MPerf YTD-51.27%
Book/sh8.19P/C4.55EPS next 5Y108.44%ROE7.85%52W High52.10 -59.10%Perf Year-52.60%
Cash/sh4.69P/FCF—EPS past 3/5Y— 14.37%ROIC1.99%52W Low20.96 1.65%Perf 3Y-7.91%
Dividend Est.—EV/EBITDA41.88Sales past 3/5Y8.05% 36.15%Gross Margin95.36%Volatility5.71% 4.74%Perf 5Y-94.08%
Dividend TTM—EV/Sales2.83EPS Y/Y TTM—Oper. Margin4.80%ATR (14)1.24Perf 10Y—
Dividend Ex-Date—Quick Ratio14.10Sales Y/Y TTM45.48%Profit Margin4.69%RSI (14)35.76Recom2.64
Dividend Gr. 3/5Y—Current Ratio14.10EPS Q/Q-55.56%SMA20-9.90%Beta2.46Target Price38.13
Payout0.00%Debt/Eq2.54Sales Q/Q42.26%SMA50-15.27%Rel Volume2.79Prev Close23.02
Employees1,405LT Debt/Eq2.45EarningsNov 03SMA200-28.35%Avg Volume4.39MPrice21.31
IPO DateDec 16, 2020Option/ShortYes / YesEPS/Sales Surpr.-10.20% 2.81%Net Debt/EBITDA18.05Volume12,252,784Change-7.43%
Analyst Ratings
DateActionAnalystRatingTarget
Oct-13-26ReiteratedGoldman SachsNeutral$39 → $28
Oct-06-26ReiteratedNeedhamBuy$40 → $42
Sep-08-26InitiatedLoop CapitalHold$24 → $34
Aug-05-26ReiteratedPiper SandlerOverweight$46 → $51
Jul-09-26ReiteratedGoldman SachsNeutral$35 → $39
Jul-07-26ReiteratedNeedhamBuy$37 → $40
Jun-09-26ReiteratedJefferiesHold$27 → $30
May-08-26ReiteratedMizuho SecuritiesOutperform$51 → $45
May-07-26ReiteratedMorgan StanleyEqual Weight$45 → $35
May-06-26ReiteratedTruist FinancialBuy$49 → $40
Latest News· Times ET
Nov-02-26
Nov-02-2612:46PM
UPST Set to Report Q3 Earnings: What's in Store for the Stock?zacks.com
12:02PM
Upstart Drops 5% to Near 52-Week Low Ahead of Earnings; Affirm Advances 5%, SoFi Gains 4%247wallst.com
Oct-28-26
Oct-28-2606:51PM
Upstart Holdings, Inc. (UPST) Surpasses Market Returns: Some Facts Worth Knowingzacks.com
06:30PM
Alerus (ALRS) Q3 Earnings and Revenues Beat EstimatesYahoo
10:01AM
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stockzacks.com
Oct-27-26
Oct-27-2604:05PM
Upstart Co-founder and CEO to Participate in Fireside Chat at Citi's Annual FinTech Conference 2026businesswire.com
Oct-26-26
Oct-26-2607:01PM
Upstart Holdings, Inc. (UPST) Stock Sinks As Market Gains: Here's Whyzacks.com
Oct-22-26
Oct-22-2604:32PM
Pagaya Technologies (PGY) vs. UPST and AFRM: Can AI-Powered Lending Growth and Free Cash Flow Turn a High-Risk Fintech Into a Value Opportunity?Yahoo
Oct-21-26
Oct-21-2609:00AM
MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lendingbusinesswire.com
Oct-19-26
Oct-19-2607:01PM
Upstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key Factszacks.com
Oct-15-26
Oct-15-2610:14PM
Upstart Holdings (UPST) Adds Credit Union Partner, Is The 38% Undervaluation Case Convincing?Yahoo
05:02AM
2 Glorious Growth Stocks to Buy Hand Over Fist If the Stock Market Crashesfool.com
Oct-14-26
Oct-14-2610:01AM
Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?zacks.com
Oct-13-26
Oct-13-2609:11AM
Fintech Stocks in Focus as AI and Digital Innovation Drive Growthzacks.com
Oct-12-26
Oct-12-2607:00PM
Upstart Holdings, Inc. (UPST) Sees a More Significant Dip Than Broader Market: Some Facts to Knowzacks.com
Company

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 unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements
DataTimeframe
Line Item (USD, M)
TTM
—
FY 2025
12/31/2025
FY 2024
12/31/2024
FY 2023
12/31/2023
FY 2022
12/31/2022
FY 2021
12/31/2021
FY 2020
12/31/2020
FY 2019
12/31/2019
FY 2018
12/31/2018
Total Revenue1,2861,076677548—————
Cost of Goods Sold Incl. D&A60524840—————
Gross Profit1,2261,024629508—————
Selling, General and Administrative Excl. Other891744556490—————
Research and Development
0000—————
Other Operating Expense274226201258—————
Operating Income6154-128-240—————
Interest Expense60524840—————
Unusual Expense
—————————
Non-Operating Income (Expense)60524840—————
Net Income Before Taxes6154-128-240—————
Income Taxes2100—————
Consolidated Net Income6154-129-240—————
Net Income From Continuing Operations6154-129-240—————
Net Income6154-129-240—————
EPS (Recurring)0.620.56-1.44-2.87—————
EPS (Basic, Before Extraordinaries)0.620.56-1.44-2.87—————
EPS (Diluted)0.510.45-1.44-2.87—————
EBITDA8779-108-215—————
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio41.7897.18———————
Price To Sales Ratio1.613.908.096.26—————
Gross Margin95.3395.1792.9192.70—————
Operating Margin4.745.02-18.91-43.80—————
Net Margin4.745.02-19.05-43.80—————
Shares Outstanding97968984—————
Market Capitalization2,0674,1985,4803,432—————
Operating Lease Expense
—————————
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Insider Trading Volume
$81.63$64.58$47.53$30.49$13.44● Close Price0.00M1.59M3.19M4.78M6.37MUSD Trades VolumeNovDec2026FebMarAprMayJunJulAugSepOctNov
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
Gu PaulChief Executive OfficerSep 10 '26Buy25.5550,0001,277,500130,000Sep 10
Datta SanjayPresident, Capital& EnterpriseSep 08 '26Sale27.29116,0003,166,197476,578Sep 10
Datta SanjayPresident, Capital& EnterpriseSep 08 '26Option Exercise1.35300,000405,000592,578Sep 10
Mirgorodskaya NataliaOfficerAug 25 '26Sale30.0391327,41735,875Aug 27
Mirgorodskaya NataliaOfficerAug 20 '26Sale28.0958616,46136,788Aug 21
Datta SanjayPresident, Capital& EnterpriseAug 20 '26Sale28.098,945251,298292,578Aug 21
Darling ScottChief Legal OfficerAug 20 '26Sale28.097,696216,21673,306Aug 21
Datta SanjayPresident, Capital& EnterpriseAug 19 '26Sale31.4610,000314,633301,523Aug 21
Blankmeyer AndreaChief Financial OfficerAug 19 '26Sale29.333,00087,990152,208Aug 19
Darling ScottChief Legal OfficerAug 17 '26Sale29.3681423,89887,186Aug 19
Blankmeyer AndreaChief Financial OfficerAug 17 '26Sale29.367,175210,646155,208Aug 19
Datta SanjayPresident, Capital& EnterpriseAug 17 '26Sale29.362,03359,683311,523Aug 19
Datta SanjayPresident, Capital& EnterpriseJun 09 '26Sale30.4115,000456,116313,556Jun 11
Mirgorodskaya NataliaOfficerMay 26 '26Sale28.9997428,23637,374May 27
Darling ScottChief Legal OfficerMay 20 '26Sale28.786,634190,91288,728May 22
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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.