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

NASDAQ:UPST • US91680M1071

28.26 USD
+0.12 (+0.43%)
Last: Feb 25, 2026, 11:34 AM

UPST Key Statistics, Chart & Performance

Key Statistics
Market Cap2.75B
Revenue(TTM)1.04B
Net Income(TTM)53.60M
Shares97.29M
Float85.33M
52 Week High87.3
52 Week Low26.8
Yearly DividendN/A
Dividend Yield0%
EPS(TTM)1.64
PE17.23
Fwd PE11.57
Earnings (Next)05-04
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 -20 -40 -60

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 20 -20 40 -40

The current stock price of UPST is 28.26 USD. In the past month the price decreased by -38.72%. In the past year, price decreased by -57.79%.

UPSTART HOLDINGS INC / UPST Daily stock chart

UPST Technical Analysis


Chartmill TA Rating
Chartmill Setup Rating
UPST Full Technical Analysis Report

UPST Fundamental Analysis

ChartMill assigns a fundamental rating of 4 / 10 to UPST. UPST has a bad profitability rating. Also its financial health evaluation is rather negative.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend
UPST Full Fundamental Analysis Report

UPST Financial Highlights

Over the last trailing twelve months UPST reported a non-GAAP Earnings per Share(EPS) of 1.64. The EPS increased by 685.71% compared to the year before.


Industry RankSector Rank
PM (TTM) 5.13%
ROA 1.8%
ROE 6.71%
Debt/Equity 2.29
Chartmill High Growth Momentum
EPS Q2Q%76.92%
Sales Q2Q%48.54%
EPS 1Y (TTM)685.71%
Revenue 1Y (TTM)63.99%
UPST financials

UPST Forecast & Estimates

21 analysts have analysed UPST and the average price target is 60.65 USD. This implies a price increase of 114.62% is expected in the next year compared to the current price of 28.26.

For the next year, analysts expect an EPS growth of 48.89% and a revenue growth 36.42% for UPST


Analysts
Analysts74.29
Price Target60.65 (114.61%)
EPS Next Y48.89%
Revenue Next Year36.42%
UPST Analyst EstimatesUPST Analyst Ratings

UPST Ownership

Ownership
Inst Owners72.65%
Ins Owners12.27%
Short Float %26.77%
Short Ratio4.71
UPST Ownership

UPST Competitors/Peers

The largest stocks on the US markets in the "Consumer Finance" sub-industry
Full List
SymbolCompany NameTechnical RatingFundamental RatingFPEMarket Cap
AXP AMERICAN EXPRESS CO18.35220.045B
COF CAPITAL ONE FINANCIAL CORP9.93122.87B
SYF SYNCHRONY FINANCIAL7.8324.6B
SOFI SOFI TECHNOLOGIES INC31.7623.648B
SLMBP SLM CORP - SLM 5.68481 PERP27.1214.959B
ALLY ALLY FINANCIAL INC7.6312.497B
FCFS FIRSTCASH HOLDINGS INC18.28.177B
OMF ONEMAIN HOLDINGS INC6.956.468B
FIGR FIGURE TECHNOLOGY SOLUT-CL A35.036.366B
CACC CREDIT ACCEPTANCE CORP10.775.292B

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 1,405 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: 13026365401

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 1,405 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.


What is the stock price of UPSTART HOLDINGS INC today?

The current stock price of UPST is 28.26 USD. The price increased by 0.43% in the last trading session.


What is the dividend status of UPSTART HOLDINGS INC?

UPST does not pay a dividend.


What is the ChartMill technical and fundamental rating of UPST stock?

UPST has a ChartMill Technical rating of 0 out of 10 and a ChartMill Fundamental rating of 4 out of 10.


How is the market expecting UPST stock to perform?

21 analysts have analysed UPST and the average price target is 60.65 USD. This implies a price increase of 114.62% is expected in the next year compared to the current price of 28.26.


What is the employee count for UPST stock?

UPSTART HOLDINGS INC (UPST) currently has 1193 employees.