Upstart Holdings, Inc. (UPST)
| Market Cap | 2.31B -52.3% |
| Revenue (ttm) | 1.29B +45.3% |
| Net Income | 60.33M |
| EPS | 0.52 |
| Shares Out | 97.31M |
| PE Ratio | 45.46 |
| Forward PE | 7.82 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 3,053,097 |
| Open | 23.52 |
| Previous Close | 23.85 |
| Day's Range | 23.03 - 23.81 |
| 52-Week Range | 22.21 - 55.22 |
| Beta | 2.43 |
| Analysts | Buy |
| Price Target | 38.38 (+61.4%) |
| Earnings Date | Nov 3, 2026 |
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 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.
Financial Performance
Financial StatementsAnalyst Summary
According to 16 analysts, the average rating for UPST stock is "Buy." The 12-month stock price target is $38.38, which is an increase of 61.40% from the latest price.
News
MIT Federal Credit Union announces expansion of partnership with Upstart
MIT Federal Credit Union announced the recent expansion of its partnership with Upstart (UPST), the leading artificial intelligence, AI, lending marketplace, into indirect auto lending. The expanded r...
MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lending
LEXINGTON, Mass. & BURLINGAME, Calif.--(BUSINESS WIRE)--MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lending.
Upstart price target lowered to $18 from $20 at Citizens
Citizens lowered the firm’s price target on Upstart (UPST) to $18 from $20 and keeps an Outperform rating on the shares. Consumer Finance and FinTech stocks underperformed in Q3 despite…
Upstart price target lowered to $28 from $39 at Goldman Sachs
Goldman Sachs lowered the firm’s price target on Upstart (UPST) to $28 from $39 and keeps a Neutral rating on the shares. Payments stocks enter Q3 earnings with an attractive…
Credit Union of Denver announces partnership with Upstart
Credit Union of Denver announced its partnership with Upstart (UPST). Through its partnership with Upstart, CUD will be able to reach more qualified borrowers and provide additional pathways to afford...
Credit Union of Denver Partners with Upstart to Expand Access to Personal Lending
LAKEWOOD, Colo. & BURLINGAME, Calif.--(BUSINESS WIRE)--Credit Union of Denver Partners with Upstart to Expand Access to Personal Lending.
Upstart to Announce Third Quarter 2026 Results on November 3, 2026
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart to Announce Third Quarter 2026 Results on November 3, 2026.
Upstart Publishes September 2026 Originations and Latest UMI
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes September 2026 Originations and Latest UMI.
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2026-4
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to five classes of notes issued by Upstart Securitization Trust 2026-4 (“UPST 2026-4”), a $400.0 million consumer loan...
Upstart expands partnership with Commonwealth Credit Union
Commonwealth Credit Union announced the recent expansion of its partnership with Upstart (UPST). The expanded relationship builds on Commonwealth Credit Union’s established personal lending partnershi...
Commonwealth Credit Union Expands Partnership with Upstart into HELOC and Indirect Auto Lending
FRANKFORT, Ky. & BURLINGAME, Calif.--(BUSINESS WIRE)--Commonwealth Credit Union Expands Partnership with Upstart into HELOC and Indirect Auto Lending.
Upstart initiated with a Hold at Loop Capital
Loop Capital initiated coverage of Upstart (UPST) with a Hold rating and $34 price target Upstart increasingly co-invests alongside its funding partners, which makes the model more capital-intensive a...
Upstart initiated with a Hold at Loop Capital
Loop Capital analyst Reginald Smith initiated coverage of Upstart (UPST) with a Hold rating and $34 price target
Upstart Holdings Transcript: Goldman Sachs Communacopia + Technology Conference 2026
Core personal loans have driven significant growth through focused execution and technology improvements, even as macro conditions have worsened. New products are on track to reach profitability, and a major investment in a bank charter is expected to enhance operational efficiency and capital leverage by 2027.
Upstart Publishes August 2026 Originations and Latest UMI
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes August 2026 Originations and Latest UMI.
Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026.
Upstart Holdings Transcript: Bank of America SMID Cap Virtual Conference
Q2 2026 delivered record contribution profit, strong core-loan growth and a 61-point improvement in home and auto contribution margins. Priorities include reaching secured-product profitability by year-end, maintaining 35% medium-term growth guidance and operating efficiently with third-party capital.
Upstart Loan Originations Jump 50% as It Preps Bank Launch
Digital lender Upstart saw loan originations jump 50% as it prepares to launch its bank. The company reported earnings Tuesday (Aug. 5) showing revenues of $365 million, a 42% increase over the same q...
Upstart price target raised to $51 from $46 at Piper Sandler
Piper Sandler raised the firm’s price target on Upstart (UPST) to $51 from $46 and keeps an Overweight rating on the shares. The firm notes shares are up about 11%…
Upstart's AI upgrades pay off, as a pickup in loan growth helps send the stock higher
The AI lending company says it's enhanced its model to better assess the risk of borrowers.
Upstart Holdings Earnings Call Transcript: Q2 2026
Record Q2 results featured 50% year-over-year origination growth, a return to GAAP profitability, and all-time high contribution profit. Secured products rapidly improved margins, and the company secured major new funding and conditional OCC approval for a bank charter.
Upstart Holdings Earnings release: Q2 2026
Upstart Holdings released its Q2 2026 earnings on August 4, 2026, summarizing the period's financial results.
Upstart Holdings Slides: Q2 2026
Upstart Holdings has posted slides in relation to its Q2 2026 quarterly earnings report, which was published on August 4, 2026.
Upstart Holdings Quarterly report: Q2 2026
Upstart Holdings has published its Q2 2026 quarterly earnings report on August 4, 2026.
Upstart Announces Second Quarter 2026 Results
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Announces Second Quarter 2026 Results.