Upstart Holdings, Inc. (UPST)
| Market Cap | 4.57B |
| Revenue (ttm) | 884.81M |
| Net Income (ttm) | -6.35M |
| Shares Out | 96.22M |
| EPS (ttm) | -0.07 |
| PE Ratio | n/a |
| Forward PE | 23.66 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 6,290,115 |
| Open | 47.49 |
| Previous Close | 47.52 |
| Day's Range | 46.75 - 48.69 |
| 52-Week Range | 31.40 - 96.43 |
| Beta | 2.28 |
| Analysts | Buy |
| Price Target | 74.73 (+57.19%) |
| Earnings Date | Nov 4, 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]
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 StatementsAnalyst Summary
According to 14 analysts, the average rating for UPST stock is "Buy." The 12-month stock price target is $74.73, which is an increase of 57.19% from the latest price.
News
Puma Prowls As Job Cuts And Upstart Rivals Crowd The Playing Field
German sportswear giant Puma is set to cut 900 corporate jobs worldwide by the end of 2026, deepening a restructuring effort aimed at reviving growth after a sharp sales dip.
Upstart: Growth Is Being Underestimated; Maintaining Buy
Upstart's AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy. Despite market concerns, large bank earnings confirm ...
Peak Credit Union Selects Upstart for Personal Lending
OLYMPIA, Wash. & SAN MATEO, Calif.--(BUSINESS WIRE)--Peak Credit Union Selects Upstart for Personal Lending.
'We're trying to shame them': Upstart activist investors target America's underperforming banks
Hedge fund HoldCo has emerged from relative obscurity to launch activist investor campaigns against three regional banks: Comerica, Eastern Bank and First Interstate. Founders Vik Ghei and Misha Zaitz...
Halper Sadeh LLC Encourages Upstart, Inc. Shareholders to Contact the Firm to Discuss Their Rights
NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether certain officers and directors of Upstart, Inc. (NASDAQ: UPST) breached their fiduciary duties to sha...
Corporate America Family Credit Union Selects Upstart for Personal Loans, HELOCs and Auto Refinance Loans
ELGIN, Ill. & SAN MATEO, Calif.--(BUSINESS WIRE)--Corporate America Family Credit Union Selects Upstart for Personal Loans, HELOCs and Auto Refinance Loans.
Upstart: Confusion Leads To Opportunity
Upstart Holdings is undervalued after a sharp selloff triggered by an analyst error on delinquency rates. UPST's fundamentals remain strong, with improving financials, committed capital, and a busines...
SoFi Vs. Upstart: Which Fintech To Choose And For Whom
SoFi Technologies stands out as a diversified digital bank with strong revenue growth, profitability, and a robust customer ecosystem. SoFi Technologies' valuation is historically high, reflecting muc...
Upstart to Announce Third Quarter 2025 Results on November 4, 2025
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart to Announce Third Quarter 2025 Results on November 4, 2025.
Upstart: AI Displacement Risks Are Overblown
The fear that AI could kill Upstart fundamentally misunderstands the problem. I explain why credit is a specialized "survival problem" that generic AI can't solve. Upstart's AI model is trained on ove...
Upstart's Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection
UPST's strong performance metrics and growing profitability support my upgraded Buy rating, despite the ongoing rally since April 2025, aided by the raised FY2025 guidance. Efficient lender / funding ...
Upstart Holdings, Inc. (UPST) Presents At Goldman Sachs Communicopia + Technology Conference 2025 Transcript
Upstart Holdings, Inc. (NASDAQ:UPST) Goldman Sachs Communicopia + Technology Conference 2025 September 8, 2025 1:10 PM EDT Company Participants David Girouard - Co-Founder, President, CEO & Chairpers...
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2025-3
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to four classes of notes issued by Upstart Securitization Trust 2025-3 (“UPST 2025-3”), a $320 million consumer loan A...
Cornerstone Community Financial Credit Union Selects Upstart for Personal Loans
AUBURN HILLS, Mich. & SAN MATEO, Calif.--(BUSINESS WIRE)--Cornerstone Community Financial Credit Union Selects Upstart for Personal Loans.
Upstart CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2025
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2025.
Upstart: GAAP Inflection Point
Upstart delivered a strong Q2, beating earnings and revenue estimates, driven by robust demand for personal loans and improved conversion rates. The Fintech achieved GAAP profitability in Q2'25, signa...
ABNB Federal Credit Union Selects Upstart for Personal Loans
CHESAPEAKE, Va. & SAN MATEO, Calif.--(BUSINESS WIRE)--ABNB Federal Credit Union Selects Upstart for Personal Loans.
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Upstart Announces Upsize and Pricing of Offering of $600,000,000 of 0% Convertible Senior Notes Due 2032
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Upsize and Pricing of Offering of $600,000,000 of 0% Convertible Senior Notes Due 2032.
Why Is Upstart Stock Trading Lower On Monday?
Upstart Holdings Inc. UPST stock is trading lower on Monday.
Upstart Announces Proposed Private Offering of $500,000,000 of Convertible Senior Notes Due 2032
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Proposed Private Offering of $500,000,000 of Convertible Senior Notes Due 2032.
Why Upstart stock tanked on Q2 earnings and why it's a raging buy here
Upstart Holdings Inc. (NASDAQ: UPST) tanked more than 18% on August 6th, even though the AI lending platform reported blockbuster results for its second financial quarter (Q2). According to the compan...
Upstart's stock takes a mysterious dive after earnings. What's behind the move.
Analysts noted high expectations for the AI lender, as well as a sharp increase in the amount of loans held on the company's balance sheet.
Upstart: Hitting A Wall
Upstart reported a strong Q2 due to a big boost in loan conversions, but questions remain about sustainability and lack of consistent volume growth. The AI lending platforms expansion into auto and ho...
Upstart CEO: AI-powered lending creates far better product for consumer
Dave Girouard, Upstart co-founder and CEO, joins CNBC's 'Squawk on the Street' to discuss the company's most recent quarter.