Upstart Holdings, Inc. (UPST)
| Market Cap | 2.42B -62.5% |
| Revenue (ttm) | 1.29B +45.3% |
| Net Income | 60.33M |
| EPS | 0.52 |
| Shares Out | 97.31M |
| PE Ratio | 47.51 |
| Forward PE | 8.09 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 3,718,065 |
| Open | 25.34 |
| Previous Close | 25.28 |
| Day's Range | 24.49 - 25.57 |
| 52-Week Range | 23.97 - 71.38 |
| Beta | 2.17 |
| Analysts | Buy |
| Price Target | 40.00 (+60.97%) |
| 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 15 analysts, the average rating for UPST stock is "Buy." The 12-month stock price target is $40.0, which is an increase of 60.97% from the latest price.
News
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'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 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 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 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 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.
Upstart Holdings Transcript: Mizuho Technology Conference 2026
Q1 EBITDA margin was 13%, with full-year guidance at 21% as profits are expected to be back-half weighted due to seasonality and product mix. New secured products are growing rapidly, and a bank charter is targeted for early 2027. AI remains central to risk assessment and operational efficiency.