Upstart Holdings, Inc. (UPST)
| Market Cap | 2.90B -61.5% |
| Revenue (ttm) | 1.29B +45.3% |
| Net Income | 60.33M |
| EPS | 0.52 |
| Shares Out | 95.71M |
| PE Ratio | 57.96 |
| Forward PE | 10.50 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 7,817,760 |
| Open | 29.68 |
| Previous Close | 29.43 |
| Day's Range | 29.68 - 30.89 |
| 52-Week Range | 23.97 - 85.31 |
| Beta | 2.16 |
| Analysts | Buy |
| Price Target | 40.47 (+33.48%) |
| Earnings Date | Aug 4, 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 $40.47, which is an increase of 33.48% from the latest price.
News
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…
Upstart price target raised to $39 from $32 at Goldman Sachs
Goldman Sachs analyst Will Nance raised the firm’s price target on Upstart (UPST) to $39 from $32 and keeps a Neutral rating on the shares. The broader macro backdrop is…
Upstart price target raised to $40 from $37 at Needham
Needham raised the firm’s price target on Upstart (UPST) to $40 from $37 and keeps a Buy rating on the shares. The company recently reported June origination volumes of $1.5B,…
Upstart to Announce Second Quarter 2026 Results on August 4, 2026
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart to Announce Second Quarter 2026 Results on August 4, 2026.
Upstart Publishes June 2026 Origination Volume
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for June 2026. ...
Upstart Holdings (UPST) Price Forecast: Breakout Signals Trend Reversal
Upstart confirmed a bullish breakout from a symmetrical triangle, shifting its technical outlook higher as traders watch support and upside resistance for trend continuation.
Upstart Publishes May 2026 UMI
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today updated the Upstart Macro Index (UMI) to include May 202...
Upstart announces agreement with Neuberger Specialty Finance
Upstart (UPST) announced its renewal of its forward-flow agreement with Neuberger Specialty Finance, the asset-based investment team within Neuberger, a global investment management firm. As part of t...
Upstart Announces Agreement with Neuberger Specialty Finance for Investment in up to $600M of Consumer Loans
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced its renewal of its forward-flow agreement with ...
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2026-3
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to four classes of notes issued by Upstart Securitization Trust 2026-3 (“UPST 2026-3”), a $320.005 million consumer lo...
Fresh Off Its Nasdaq Debut, a Regenerative-Medicine Upstart Is Stacking Its Board With Big-Pharma Firepower
Issued on behalf of Conexeu Sciences Inc. A clutch of new directors with Fortune 500 finance, M&A, and aesthetics pedigrees signals that the newly public tissue-regeneration company is building for co...
Upstart Holdings Transcript: Morgan Stanley US Financials Conference 2026
The CEO outlined a long-term vision for technology-driven growth in consumer lending, highlighting recent $4B+ capital commitments, resilient credit performance, and a focus on core personal loans for margin improvement. New products are expected to boost margins as they mature.