Upstart Holdings, Inc. (UPST)

NASDAQ: UPST · Real-Time Price · USD
47.58
+2.32 (5.13%)
May 27, 2025, 3:55 PM - Market open
5.13%
Market Cap 4.53B
Revenue (ttm) 758.84M
Net Income (ttm) -66.43M
Shares Out 95.14M
EPS (ttm) -0.74
PE Ratio n/a
Forward PE 29.49
Dividend n/a
Ex-Dividend Date n/a
Volume 3,965,200
Open 46.50
Previous Close 45.26
Day's Range 45.53 - 47.58
52-Week Range 20.60 - 96.43
Beta 2.39
Analysts Buy
Price Target 66.71 (+40.21%)
Earnings Date May 6, 2025

About UPST

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 personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California. [Read more]

Industry Credit Services
Sector Financials
IPO Date Dec 16, 2020
Employees 1,193
Stock Exchange NASDAQ
Ticker Symbol UPST
Full Company Profile

Financial Performance

In 2024, Upstart Holdings's revenue was $676.96 million, an increase of 23.43% compared to the previous year's $548.46 million. Losses were -$128.58 million, -46.45% less than in 2023.

Financial Statements

Analyst Forecast

According to 13 analysts, the average rating for UPST stock is "Buy." The 12-month stock price forecast is $66.71, which is an increase of 40.21% from the latest price.

Price Target
$66.71
(40.21% upside)
Analyst Consensus: Buy
Stock Forecasts

News

Upstart CTO and CFO to Participate in Fireside Chat at the BofA Securities 2025 Global Technology Conference

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart CTO and CFO to Participate in Fireside Chat at the BofA Securities 2025 Global Technology Conference.

4 days ago - Business Wire

Best Loans for Bad Credit: Upstart's No Credit Check Loans Guaranteed Approval Direct Lender

Looking for the best loan options for bad credit? Upstart offers personal loans with guaranteed approval and fast funding, ideal for urgent needs like debt consolidation or medical bills. Apply today ...

7 days ago - GlobeNewsWire

Upstart Holdings, Inc. (UPST) Barclays 15th Annual Emerging Payments and FinTech Forum (Transcript)

Upstart Holdings, Inc. (NASDAQ:UPST) Barclays 15th Annual Emerging Payments and FinTech Forum Conference Call May 19, 2025 10:20 AM ET Company Participants Dave Girouard - Co-Founder and Chief Execut...

8 days ago - Seeking Alpha

Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural 'AI Day'

NEW YORK--(BUSINESS WIRE)--Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural “AI Day”.

13 days ago - Business Wire

Upstart to Host First-Ever 'AI Day' Investor Event Today (May 14, 2025)

NEW YORK--(BUSINESS WIRE)--Upstart to Host First-Ever “AI Day” Investor Event Today (May 14, 2025).

13 days ago - Business Wire

Best Loans For Bad Credit: Upstart's Guaranteed Personal Loans with No Credit Needed for Scores Below 580

SAN CARLOS, Calif., May 14, 2025 (GLOBE NEWSWIRE) -- When you're struggling with bad credit, it can feel like your financial options are extremely limited. The thought of applying for a loan can be in...

13 days ago - GlobeNewsWire

Upstart Stock Drops Despite Q1 Beat: Analysts Highlight AI Progress, Warn Of Inflation Risks

Upstart Holdings, Inc. UPST shares are trading lower on Wednesday.

20 days ago - Benzinga

Upstart Holdings, Inc. (UPST) Q1 2025 Earnings Call Transcript

Upstart Holdings, Inc. (NASDAQ:UPST) Q1 2025 Earnings Conference Call May 6, 2025 4:30 PM ET Company Participants Sonya Banerjee - Investor Relations Dave Girouard - Co Founder and Chief Executive Of...

20 days ago - Seeking Alpha

Upstart Personal Loan Originations Grow 83% Year Over Year

Lending platform Upstart Holdings' first quarter results saw loan originations nearly double from a year ago, driven in part by automated processes, while management pointed to strong credit metrics a...

20 days ago - PYMNTS

Upstart tumbles on second-quarter outlook, even as its full-year forecast gets more upbeat

Shares of Upstart Holdings Inc. tumbled after hours on Tuesday after the artificial-intelligence lending platform forecast a second-quarter loss and sales that missed Wall Street's expectations.

20 days ago - Market Watch

Upstart and Fortress Investment Group Announce $1.2B Forward-Flow Agreement

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart and Fortress Investment Group Announce $1.2B Forward-Flow Agreement.

20 days ago - Business Wire

Upstart Announces Results for First Quarter 2025

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Results for First Quarter 2025.

20 days ago - Business Wire

Upstart: AI Edge Is Fueling Outperformance Amidst Macro Uncertainty

Upstart's improving AI models are leading to higher conversion rates and lower delinquencies, increasing its partners' trust in its loans. The growing trust in Upstart's loans is being reflected in it...

24 days ago - Seeking Alpha

Upstart's Q1 Preview: The Business Is Great, The Environment Isn't

Upstart's Q4 results showed strong execution, but Q1 earnings will determine if this momentum is sustainable in a challenging macro environment. Analysts expect Q1 revenue of $201 million and adjusted...

26 days ago - Seeking Alpha

Lake Trust Credit Union Selects Upstart for Personal Lending

BRIGHTON, Mich. & SAN MATEO, Calif.--(BUSINESS WIRE)--Lake Trust Credit Union Selects Upstart for Personal Lending.

27 days ago - Business Wire

Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties

After investing in Upstart stock in early 2021, I enjoyed the stellar stock market rally that pushed the stock over $400 before it crashed to just $15. 2024 marked a strong year for Upstart as the com...

27 days ago - Seeking Alpha

Upstart CEO to Participate in Fireside Chat at the Barclays 15th Annual Emerging Payments and FinTech Forum

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart CEO to Participate in Fireside Chat at the Barclays 15th Annual Emerging Payments and FinTech Forum.

4 weeks ago - Business Wire

First Commonwealth Expands Access to Personal Loans Through Partnership with Upstart

ALLENTOWN, Pa. & SAN MATEO, Calif.--(BUSINESS WIRE)--First Commonwealth Expands Access to Personal Loans Through Partnership with Upstart.

5 weeks ago - Business Wire

Upstart to Announce First Quarter 2025 Results on May 6, 2025

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Announce First Quarter 2025 Results on May 6, 2025.

7 weeks ago - Business Wire

NewtekOne: 6.4% Dividend Yield From Banking Upstart Is Elevated

NewtekOne has dipped 7% year-to-date, trading at one of its lowest sales multiples since converting from a BDC to a bank. NEWT's deposits surged 39.5% sequentially, with total assets up 50% year-over-...

2 months ago - Seeking Alpha

Upstart: Looking For The Buy Zone

Upstart Holdings faces economic weakness fears, though loan origination and conversion rates have improved. The AI lending platform aims for $1 billion in 2025 revenue, further expanding into auto len...

2 months ago - Seeking Alpha

Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)

Upstart has shown strong execution, with improved underwriting algorithms boosting top-line growth. The company has seen revenue growth accelerate and management expects further acceleration into 2025...

2 months ago - Seeking Alpha

Upstart Consumer Brands Are Challenging Food Giants

Around two decades ago, a Dutch television journalist named Teun van de Keuken ate 12 chocolate bars and demanded to be put in jail. His crime, he said, was financing slavery and child labor.

2 months ago - Market Watch

Upstart Holdings, Inc. (UPST) The Citizens JMP Technology Conference (Transcript)

Upstart Holdings, Inc. (NASDAQ:UPST) The Citizens JMP Technology Conference Call March 3, 2025 2:00 PM ET Company Participants Sanjay Datta - Chief Financial Officer Unidentified Analyst It's a pleas...

3 months ago - Seeking Alpha

Evaluating Upstart: A Cautious Path To Investment In Uncertain Times

Upstart Holdings' AI-driven credit risk models have shown significant improvements, increasing loan approvals by 101% and reducing APR by 38%. Its advanced AI models and reduced macroeconomic headwind...

3 months ago - Seeking Alpha