Upstart Holdings, Inc. (NASDAQ: UPST) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
Latest market price
25.00
+0.23+0.93%
News
Up 0.9% — Upstart Holdings, Inc. (UPST) Laps the Stock Market: Here's Why (zacks.com).
Medium confidence
TA
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Snapshot
| Index | - | P/E | 49.02 | EPS (ttm) | 0.51 | Insider Own | 12.28% | Shs Outstand | 95.71M | Perf Week | -2.31% |
| Market Cap | 2.39B | Forward P/E | 13.50 | EPS next Y | 1.85 | Insider Trans | 0.62% | Shs Float | 81.92M | Perf Month | -18.30% |
| Enterprise Value | 3.96B | PEG | 0.47 | EPS next Q | 0.60 | Inst Own | - | Short Float | 31.67% | Perf Quarter | -22.91% |
| Income | 61.00M | P/S | 1.86 | EPS this Y | 33.86% | Inst Trans | - | Short Ratio | 5.95 | Perf Half Y | -6.61% |
| Sales | 1.29B | P/B | 3.00 | EPS next Y | 171.16% | ROA | 1.90% | Short Interest | 25.95M | Perf YTD | -42.83% |
| Book/sh | 8.33 | P/C | 5.25 | EPS next 5Y | 104.69% | ROE | 7.85% | 52W High | 71.39 -64.98% | Perf Year | -63.30% |
| Cash/sh | 4.76 | P/FCF | - | EPS past 3/5Y | - 14.37% | ROIC | 1.99% | 52W Low | 23.97 4.30% | Perf 3Y | -17.38% |
| Dividend Est. | - | EV/EBITDA | 45.55 | Sales past 3/5Y | 8.05% 36.15% | Gross Margin | 95.36% | Volatility | 3.84% 4.34% | Perf 5Y | -90.76% |
| Dividend TTM | - | EV/Sales | 3.08 | EPS Y/Y TTM | 135.42% | Oper. Margin | 4.80% | ATR (14) | 1.29 | Perf 10Y | - |
| Dividend Ex-Date | - | Quick Ratio | 14.10 | Sales Y/Y TTM | 89.96% | Profit Margin | 4.69% | RSI (14) | 35.88 | Recom | 2.64 |
| Dividend Gr. 3/5Y | - | Current Ratio | 14.10 | EPS Q/Q | -55.56% | SMA20 | -9.28% | Beta | 2.43 | Target Price | 39.25 |
| Payout | 0.00% | Debt/Eq | 2.32 | Sales Q/Q | 42.26% | SMA50 | -12.97% | Rel Volume | 1.51 | Prev Close | 24.77 |
| Employees | 1,405 | LT Debt/Eq | 2.19 | Earnings | Nov 03 | SMA200 | -25.15% | Avg Volume | 4.21M | Price | 25.00 |
| IPO Date | Dec 16, 2020 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -10.20% 2.81% | Net Debt/EBITDA | 17.99 | Volume | 6,341,842 | Change | 0.93% |
Analyst Ratings
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Sep-08-26 | Initiated | Loop Capital | Hold | $24 → $34 |
| Aug-05-26 | Reiterated | Piper Sandler | Overweight | $46 → $51 |
| Jul-09-26 | Reiterated | Goldman Sachs | Neutral | $35 → $39 |
| Jul-07-26 | Reiterated | Needham | Buy | $37 → $40 |
| Jun-09-26 | Reiterated | Jefferies | Hold | $27 → $30 |
| May-08-26 | Reiterated | Mizuho Securities | Outperform | $51 → $45 |
| May-07-26 | Reiterated | Morgan Stanley | Equal Weight | $45 → $35 |
| May-06-26 | Reiterated | Truist Financial | Buy | $49 → $40 |
| May-06-26 | Reiterated | Piper Sandler | Overweight | $56 → $46 |
| May-06-26 | Reiterated | Needham | Buy | $56 → $37 |
Latest News· Times ET
Sep-18-26
Sep-17-26
Sep-17-2602:19PM
Sep-15-26
Sep-15-2604:04PM
03:01PM
06:01AM
Sep-13-26
Sep-13-2607:45AM
Sep-11-26
Sep-11-2611:55AM
Sep-09-26
Sep-09-2602:50PM
Sep-08-26
12:45PM
Sep-04-26
Sep-03-26
03:45AM
Upstart Publishes August 2026 Originations and Latest UMIbusinesswire.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 Revenue | 1,286 | 1,076 | 677 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 60 | 52 | 48 | — | — | — | — | — | — | |
| Gross Profit | 1,226 | 1,024 | 629 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 891 | 744 | 556 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 274 | 226 | 201 | — | — | — | — | — | — | |
| Operating Income | 61 | 54 | -128 | — | — | — | — | — | — | |
| Interest Expense | 60 | 52 | 48 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 60 | 52 | 48 | — | — | — | — | — | — | |
| Net Income Before Taxes | 61 | 54 | -128 | — | — | — | — | — | — | |
| Income Taxes | 2 | 1 | 0 | — | — | — | — | — | — | |
| Consolidated Net Income | 61 | 54 | -129 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 61 | 54 | -129 | — | — | — | — | — | — | |
| Net Income | 61 | 54 | -129 | — | — | — | — | — | — | |
| EPS (Recurring) | 0.62 | 0.56 | -1.44 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 0.62 | 0.56 | -1.44 | — | — | — | — | — | — | |
| EPS (Diluted) | 0.51 | 0.45 | -1.44 | — | — | — | — | — | — | |
| EBITDA | 87 | 79 | -108 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 49.02 | 97.18 | — | — | — | — | — | — | — | |
| Price To Sales Ratio | 1.89 | 3.90 | 8.09 | — | — | — | — | — | — | |
| Gross Margin | 95.33 | 95.17 | 92.91 | — | — | — | — | — | — | |
| Operating Margin | 4.74 | 5.02 | -18.91 | — | — | — | — | — | — | |
| Net Margin | 4.74 | 5.02 | -19.05 | — | — | — | — | — | — | |
| Shares Outstanding | 97 | 96 | 89 | — | — | — | — | — | — | |
| Market Capitalization | 2,425 | 4,198 | 5,480 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
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Insider Trading Volume
Insider Trading
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Gu Paul | Chief Executive Officer | Sep 10 '26 | Buy | 25.55 | 50,000 | 1,277,500 | 130,000 | Sep 10 |
| Datta Sanjay | President, Capital& Enterprise | Sep 08 '26 | Sale | 27.29 | 116,000 | 3,166,197 | 476,578 | Sep 10 |
| Datta Sanjay | President, Capital& Enterprise | Sep 08 '26 | Option Exercise | 1.35 | 300,000 | 405,000 | 592,578 | Sep 10 |
| Mirgorodskaya Natalia | See Remarks | Aug 25 '26 | Sale | 30.03 | 913 | 27,417 | 35,875 | Aug 27 |
| Mirgorodskaya Natalia | See Remarks | Aug 20 '26 | Sale | 28.09 | 586 | 16,461 | 36,788 | Aug 21 |
| Datta Sanjay | President, Capital& Enterprise | Aug 20 '26 | Sale | 28.09 | 8,945 | 251,298 | 292,578 | Aug 21 |
| Darling Scott | Chief Legal Officer | Aug 20 '26 | Sale | 28.09 | 7,696 | 216,216 | 73,306 | Aug 21 |
| Datta Sanjay | President, Capital& Enterprise | Aug 19 '26 | Sale | 31.46 | 10,000 | 314,633 | 301,523 | Aug 21 |
| Blankmeyer Andrea | Chief Financial Officer | Aug 19 '26 | Sale | 29.33 | 3,000 | 87,990 | 152,208 | Aug 19 |
| Darling Scott | Chief Legal Officer | Aug 17 '26 | Sale | 29.36 | 814 | 23,898 | 87,186 | Aug 19 |
| Blankmeyer Andrea | Chief Financial Officer | Aug 17 '26 | Sale | 29.36 | 7,175 | 210,646 | 155,208 | Aug 19 |
| Datta Sanjay | President, Capital& Enterprise | Aug 17 '26 | Sale | 29.36 | 2,033 | 59,683 | 311,523 | Aug 19 |
| Datta Sanjay | President, Capital& Enterprise | Jun 09 '26 | Sale | 30.41 | 15,000 | 456,116 | 313,556 | Jun 11 |
| Mirgorodskaya Natalia | See Remarks | May 26 '26 | Sale | 28.99 | 974 | 28,236 | 37,374 | May 27 |
| Darling Scott | Chief Legal Officer | May 20 '26 | Sale | 28.78 | 6,634 | 190,912 | 88,728 | May 22 |
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.