UPST — Upstart Holdings, Inc. stock price, charts and financials

QT25Upstart Holdings, Inc.

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
30.32
+0.89+3.02%
OverviewShort InterestFilings
UPSTQT25Upstart Holdings, Inc.·NASDAQ
30.32+3.02%
Filing
Up 3.0% — Filed an 8-K material-event report (2026-08-04) — details in the filing.
Medium confidence
TA
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Signal & projected range
Short-squeeze setupHistorical pattern — not a prediction
Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)
Horizon
0%Past 3 monthsToday
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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Unlock with Premium to see the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

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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AGM+1.59%$241.74HCXY-0.64%$24.90LC+1.73%$19.95WU+11.60%$7.31BFH+1.49%$112.45PRG+0.15%$45.86EZPW+2.51%$31.00QFIN-2.16%$13.56
Snapshot
Index-P/E73.95EPS (ttm)0.41Insider Own12.08%Shs Outstand95.71MPerf Week8.99%
Market Cap2.90BForward P/E16.00EPS next Y1.90Insider Trans1.41%Shs Float81.92MPerf Month-11.68%
Enterprise Value3.95BPEG0.94EPS next Q-Inst Own-Short Float31.95%Perf Quarter-5.49%
Income50.00MP/S2.50EPS this Y119.21%Inst Trans-Short Ratio5.58Perf Half Y-23.61%
Sales1.16BP/B3.96EPS next Y110.88%ROA1.67%Short Interest26.18MPerf YTD-30.67%
Book/sh7.66P/C3.12EPS next 5Y78.54%ROE6.59%52W High85.31 -64.46%Perf Year-61.73%
Cash/sh9.73P/FCF-EPS past 3/5Y- 14.37%ROIC1.77%52W Low23.97 26.49%Perf 3Y-53.48%
Dividend Est.-EV/EBITDA54.11Sales past 3/5Y8.05% 36.15%Gross Margin95.67%Volatility5.08% 5.15%Perf 5Y-73.81%
Dividend TTM-EV/Sales3.40EPS Y/Y TTM128.47%Oper. Margin4.23%ATR (14)1.74Perf 10Y-
Dividend Ex-Date-Quick Ratio4.03Sales Y/Y TTM71.79%Profit Margin4.25%RSI (14)52.44Recom2.64
Dividend Gr. 3/5Y-Current Ratio4.03EPS Q/Q-122.87%SMA202.72%Beta2.18Target Price38.13
Payout0.00%Debt/Eq2.32Sales Q/Q40.00%SMA50-2.67%Rel Volume1.62Prev Close29.43
Employees1,405LT Debt/Eq2.19EarningsNov 03SMA200-15.39%Avg Volume4.54MPrice30.32
IPO DateDec 16, 2020Option/ShortYes / YesEPS/Sales Surpr.-116.33% 2.29%Net Debt/EBITDA14.24Volume7,337,939Change3.02%
Analyst Ratings
DateActionAnalystRatingTarget
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
May-06-26ReiteratedPiper SandlerOverweight$56 → $46
May-06-26ReiteratedNeedhamBuy$56 → $37
Mar-16-26UpgradeBTIGNeutral → Buy
Feb-17-26UpgradeCompass PointSell → Neutral$30
Latest News
Aug-04-26
Aug-04-2606:22PM
Upstart's AI upgrades pay off, as a pickup in loan growth helps send the stock highermarketwatch.com
04:49PM
Upstart Stock Rallies After Q2 Earnings Beat Estimatesbenzinga.com
Aug-03-26
Aug-03-2610:16AM
Ahead of Upstart (UPST) Q2 Earnings: Get Ready With Wall Street Estimates for Key Metricszacks.com
08:00AM
Upstart Publishes July 2026 Originations and Latest UMIgurufocus.com
Jul-31-26
Jul-31-2602:51PM
Bloom Energy vs. NextEra Energy: Is a Fuel Cell Upstart or Renewable Energy Titan the Better Buy in 2026?fool.com
02:26PM
Dave vs. Upstart: Which AI Fintech Stock Is the Better Choice in 2026?zacks.com
Jul-30-26
Jul-30-2606:50PM
Upstart Holdings, Inc. (UPST) Increases Yet Falls Behind Market: What Investors Need to Knowzacks.com
Jul-29-26
Jul-29-2608:48AM
Upstart Holdings Signs Agreement To Sell Up To $4B Consumer Loans On Its Platform To CastlelakeBenzinga
08:45AM
Upstart Announces Multi-Year $4 Billion Forward Flow Agreement with Castlelakebusinesswire.com
Jul-28-26
Jul-28-2604:05PM
Upstart Co-founder and CEO to Participate in Fireside Chat at the Bank of America 2026 SMID Cap Conferencebusinesswire.com
11:06AM
Upstart Holdings, Inc. (UPST) Earnings Expected to Grow: What to Know Ahead of Next Week's Releasezacks.com
Jul-27-26
Jul-27-2607:18PM
Upstart Pursues Final Banking Approvals After Landing Conditional Nodpymnts.com
Jul-24-26
Jul-24-2606:51PM
Upstart Holdings, Inc. (UPST) Stock Falls Amid Market Uptick: What Investors Need to Knowzacks.com
Jul-23-26
Jul-23-2607:51PM
Upstart Receives Conditional Approval from the OCC to Establish Upstart Bankbusinesswire.com
02:42PM
Upstart: Undervalued Relative To Its Growth Storyseekingalpha.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 Revenue1,1631,07667754885385023018996
Cost of Goods Sold Incl. D&A515248401638260
Gross Profit1,1121,02462950883884722216396
Selling, General and Administrative Excl. Other76474455649071957218315099
Research and Development
8000000000
Other Operating Expense22022620125822814133188
Operating Income4954-128-240-1091346-5-8
Interest Expense3552484016382626
Unusual Expense
—————————
Non-Operating Income (Expense)3652484016382623
Net Income Before Taxes5054-128-240-1091346-5-11
Income Taxes11000-2000
Consolidated Net Income5054-129-240-10913560-12
Net Income From Continuing Operations5054-129-240-1091356-5-11
Net Income5054-129-240-10913560-12
EPS (Recurring)0.510.56-1.44-2.87-1.311.730.27-0.03-0.87
EPS (Basic, Before Extraordinaries)0.510.56-1.44-2.87-1.311.730.27-0.03-0.87
EPS (Diluted)0.410.45-1.44-2.87-1.311.430.23-0.03-0.87
EBITDA7379-108-215-961418-419
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio73.9597.18———105.80177.17——
Price To Sales Ratio2.533.908.096.261.2913.883.90——
Gross Margin95.6195.1792.9192.7098.2499.6596.5286.24100.00
Operating Margin4.215.02-18.91-43.80-12.7815.762.61-2.65-8.33
Net Margin4.305.02-19.05-43.80-12.7815.882.610.00-12.50
Shares Outstanding979689848378221414
Market Capitalization2,9414,1985,4803,4321,09711,801897——
Operating Lease Expense
—————————
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Insider Trading Volume
$93.12$73.65$54.17$34.70$15.23● Close Price0.00M1.59M3.19M4.78M6.37MUSD Trades VolumeAugSepOctNovDec2026FebMarAprMayJunJulAug
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
Datta SanjayPresident, Capital& EnterpriseJun 09 '26Sale30.4115,000456,116313,556Jun 11
Mirgorodskaya NataliaSee RemarksMay 26 '26Sale28.9997428,23637,374May 27
Mirgorodskaya NataliaSee RemarksMay 20 '26Sale28.7752615,13438,348May 22
Darling ScottChief Legal OfficerMay 20 '26Sale28.786,634190,91288,728May 22
Datta SanjayPresident, Capital& EnterpriseMay 20 '26Sale28.777,985229,740328,556May 22
Mirgorodskaya NataliaSee RemarksMay 15 '26Option Exercise1.354,6006,21038,874May 18
Blankmeyer AndreaChief Financial OfficerMay 15 '26Sale29.637,044208,703162,383May 18
Darling ScottChief Legal OfficerMay 15 '26Sale29.5472721,476102,609May 18
Datta SanjayPresident, Capital& EnterpriseMay 15 '26Sale29.561,81753,707336,541May 18
Gu PaulChief Executive OfficerMay 13 '26Buy27.5050,0001,375,00070,000May 14
Girouard Davedirector, 10 percent owner:May 07 '26Buy29.37170,2404,999,6078,512,941May 08
Girouard Davedirector, 10 percent owner:May 07 '26Option Exercise0.83835,075693,1129,348,016May 08
Mirgorodskaya NataliaSee RemarksMar 02 '26Sale26.0239010,14834,274Mar 03
Mirgorodskaya NataliaSee RemarksFeb 25 '26Sale28.7986624,93225,289Feb 27
Datta SanjayChief Financial OfficerFeb 20 '26Sale29.867,982238,375276,688Feb 24
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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.