Upstart Holdings, Inc. (UPST)

Market Cap	4.77B
Revenue (ttm)	997.75M
Net Income (ttm)	32.21M
Shares Out	97.29M
EPS (ttm)	0.26
PE Ratio	190.59
Forward PE	22.00
Dividend	n/a
Ex-Dividend Date	n/a

Volume	2,705,048
Open	47.90
Previous Close	47.59
Day's Range	47.59 - 49.30
52-Week Range	31.40 - 96.43
Beta	2.28
Analysts	Hold
Price Target	60.79 (+24.06%)
Earnings Date	Feb 10, 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 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.

• Industry: Credit Services
• Sector: Financials
• IPO Date: Dec 16, 2020
• Employees: 1,193
• Stock Exchange: NASDAQ
• Ticker Symbol: UPST
• Website: https://www.upstart.com

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.

Analyst Summary

According to 13 analysts, the average rating for UPST stock is "Hold." The 12-month stock price target is $60.79, which is an increase of 24.06% from the latest price.

Price Target

$60.79

(24.06% upside)

Analyst Consensus: Hold