Logo image of UPST

UPSTART HOLDINGS INC (UPST) Stock Price, Forecast & Analysis

USA - Nasdaq - NASDAQ:UPST - US91680M1071 - Common Stock

46.57 USD
-0.9 (-1.9%)
Last: 12/29/2025, 8:23:28 PM
46.31 USD
-0.26 (-0.56%)
Pre-Market: 12/30/2025, 5:16:58 AM

UPST Key Statistics, Chart & Performance

Key Statistics
Market Cap4.53B
Revenue(TTM)966.73M
Net Income(TTM)-6.35M
Shares97.29M
Float85.33M
52 Week High96.43
52 Week Low31.4
Yearly DividendN/A
Dividend Yield0%
EPS(TTM)1.44
PE32.34
Fwd PE18.85
Earnings (Next)02-09 2026-02-09/amc
IPO2020-12-16
Sector
GICS SectorFinancials
GICS IndustryConsumer Finance
GICS IndustryGroupFinancial Services
GICS SubIndustryConsumer Finance


UPST short term performance overview.The bars show the price performance of UPST in the last week, last 2 weeks, last month, last 3 and 6 months. 1 week 2 week 1 month 3 months 6 months 0 -10 -20 -30

UPST long term performance overview.The bars show the price performance of UPST in the last 1, 2 and 3 years. 1 year 2 years 3 years 0 50 100 150 200 250

The current stock price of UPST is 46.57 USD. In the past month the price increased by 3.58%. In the past year, price decreased by -27.33%.

UPSTART HOLDINGS INC / UPST Daily stock chart

UPST Competitors/Peers

The largest stocks on the US markets in the "Consumer Finance" sub-industry
Full List
Symbol
Company Name
TA
FA
PE
Market Cap
AXP AMERICAN EXPRESS CO 25.19 258.54B
COF CAPITAL ONE FINANCIAL CORP 13.23 156.23B
SOFI SOFI TECHNOLOGIES INC 89.4 32.34B
SYF SYNCHRONY FINANCIAL 9.25 30.52B
SLMBP SLM CORP - SLM 5.68481 PERP 25.67 14.85B
ALLY ALLY FINANCIAL INC 13.08 14.10B
FIGR FIGURE TECHNOLOGY SOLUT-CL A 533.38 9.13B
OMF ONEMAIN HOLDINGS INC 11.01 8.08B
FCFS FIRSTCASH HOLDINGS INC 19.56 7.11B
SLM SLM CORP 9.6 5.55B
CACC CREDIT ACCEPTANCE CORP 12.18 5.02B
NNI NELNET INC-CL A 16.23 4.84B

About UPST

Company Profile

UPST logo image Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. The company is headquartered in San Mateo, California and currently employs 1,193 full-time employees. The company went IPO on 2020-12-16. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. The company applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.

Company Info

UPSTART HOLDINGS INC

2950 S. Delaware Street, Suite 410

San Mateo CALIFORNIA 94403 US

CEO: Dave Girouard

Employees: 1193

UPST Company Website

UPST Investor Relations

Phone: 16502041000

UPSTART HOLDINGS INC / UPST FAQ

What does UPST do?

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. The company is headquartered in San Mateo, California and currently employs 1,193 full-time employees. The company went IPO on 2020-12-16. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. The company applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.


Can you provide the latest stock price for UPSTART HOLDINGS INC?

The current stock price of UPST is 46.57 USD. The price decreased by -1.9% in the last trading session.


What is the dividend status of UPSTART HOLDINGS INC?

UPST does not pay a dividend.


What is the ChartMill rating of UPSTART HOLDINGS INC stock?

UPST has a ChartMill Technical rating of 2 out of 10 and a ChartMill Fundamental rating of 3 out of 10.


What sector and industry does UPSTART HOLDINGS INC belong to?

UPSTART HOLDINGS INC (UPST) operates in the Financials sector and the Consumer Finance industry.


Can you provide the market cap for UPSTART HOLDINGS INC?

UPSTART HOLDINGS INC (UPST) has a market capitalization of 4.53B USD. This makes UPST a Mid Cap stock.


Who owns UPSTART HOLDINGS INC?

You can find the ownership structure of UPSTART HOLDINGS INC (UPST) on the Ownership tab.


UPST Technical Analysis

ChartMill assigns a technical rating of 2 / 10 to UPST. When comparing the yearly performance of all stocks, UPST is a bad performer in the overall market: 82.7% of all stocks are doing better.


Chartmill TA Rating
Chartmill Setup Rating

UPST Fundamental Analysis

ChartMill assigns a fundamental rating of 3 / 10 to UPST. UPST may be in some trouble as it scores bad on both profitability and health.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend

UPST Financial Highlights

Over the last trailing twelve months UPST reported a non-GAAP Earnings per Share(EPS) of 1.44. The EPS increased by 321.54% compared to the year before.


Industry RankSector Rank
PM (TTM) N/A
ROA -0.26%
ROE -0.88%
Debt/Equity 1.98
Chartmill High Growth Momentum
EPS Q2Q%966.67%
Sales Q2Q%65.35%
EPS 1Y (TTM)321.54%
Revenue 1Y (TTM)73.29%

UPST Forecast & Estimates

20 analysts have analysed UPST and the average price target is 61.2 USD. This implies a price increase of 31.42% is expected in the next year compared to the current price of 46.57.

For the next year, analysts expect an EPS growth of 682.95% and a revenue growth 72.97% for UPST


Analysts
Analysts74
Price Target61.2 (31.42%)
EPS Next Y682.95%
Revenue Next Year72.97%

UPST Ownership

Ownership
Inst Owners72.55%
Ins Owners12.27%
Short Float %26.93%
Short Ratio3.87