Upstart Holdings, Inc. (UPST)
| Market Cap | 2.25B -59.2% |
| Revenue (ttm) | 1.29B +45.3% |
| Net Income | 60.33M |
| EPS | 0.52 |
| Shares Out | 97.31M |
| PE Ratio | 44.03 |
| Forward PE | 7.50 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 4,029,695 |
| Open | 23.29 |
| Previous Close | 23.03 |
| Day's Range | 22.91 - 23.68 |
| 52-Week Range | 22.79 - 57.95 |
| Beta | 2.17 |
| Analysts | Buy |
| Price Target | 40.00 (+72.86%) |
| Est. Earnings | 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 15 analysts, the average rating for UPST stock is "Buy." The 12-month stock price target is $40.0, which is an increase of 72.86% from the latest price.
News
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
The event highlighted a leadership transition, renewed focus on contribution profit, and record Q2 results driven by core personal loans and improved margins in secured products. Management addressed investor concerns about capital efficiency, operating leverage, and outlined a strategy for sustainable, AI-driven growth.
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.
Upstart Publishes July 2026 Originations and Latest UMI
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes July 2026 Originations and Latest UMI.
Upstart announces $4B forward-flow agreement with Castlelake
Upstart (UPST) Holdings announced a new multi-year forward-flow agreement with Castlelake. Under the agreement, Castlelake-managed funds have agreed to purchase up to $4B of consumer loans originated ...
Upstart Announces Multi-Year $4 Billion Forward Flow Agreement with Castlelake
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced a new multi-year forward-flow agreement with C...
Upstart Co-founder and CEO to Participate in Fireside Chat at the Bank of America 2026 SMID Cap Conference
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Co-founder and CEO to Participate in Fireside Chat at the Bank of America 2026 SMID Cap Conference.
Upstart Pursues Final Banking Approvals After Landing Conditional Nod
Lending marketplace Upstart has received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish a bank called Upstart Bank, N.A. The conditional approval follows Up...
Upstart receives conditional approval from OCC to establish Upstart Bank
The company states: “Upstart (UPST) Holdings announced that the Office of the Comptroller of the Currency has granted conditional approval for the company to establish Upstart Bank, N.A. The charter…
Upstart Receives Conditional Approval from the OCC to Establish Upstart Bank
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced that the Office of the Comptroller of the Curr...
Upstart price target lowered to $61 from $80 at Citi
Citi analyst Peter Christiansen lowered the firm’s price target on Upstart (UPST) to $61 from $80 and keeps a Buy rating on the shares. The firm cites its personal loan…