Upstart Holdings, Inc. (UPST)
| Market Cap | 2.02B -46.2% |
| Revenue (ttm) | 1.38B +38.7% |
| Net Income | 65.11M +102.1% |
| EPS | 0.61 +138.0% |
| Shares Out | 98.91M |
| PE Ratio | 33.43 |
| Forward PE | 7.48 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 8,683,676 |
| Open | 21.64 |
| Previous Close | 22.25 |
| Day's Range | 19.71 - 21.74 |
| 52-Week Range | 19.71 - 52.10 |
| Beta | 2.43 |
| Analysts | Buy |
| Price Target | 31.19 (+52.82%) |
| 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 16 analysts, the average rating for UPST stock is "Buy." The 12-month stock price target is $31.19, which is an increase of 52.82% from the latest price.
News
Upstart Holdings Transcript: Citi’s 15th Annual FinTech Conference
Q3 Contribution Profit rose 48% YoY despite macro headwinds, while full-year revenue and EBITDA guidance was lowered. Priorities include scaling secured products, reducing equity capital intensity and targeting record results across P&L lines in 2027.
Upstart price target lowered to $30 from $40 at Truist
Truist lowered the firm’s price target on Upstart (UPST) to $30 from $40 and keeps a Buy rating on the shares. The company’s solid Q3 results featured record contribution profit,…
Upstart price target lowered to $42 from $54 at B. Riley
B. Riley lowered the firm’s price target on Upstart (UPST) to $42 from $54 and keeps a Buy rating on the shares. The company reported solid Q3 results but lowered…
Upstart price target lowered to $28 from $30 at BofA
BofA lowered the firm’s price target on Upstart (UPST) to $28 from $30 and keeps a Neutral rating on the shares.
Upstart price target lowered to $24 from $26 at Stephens
Stephens lowered the firm’s price target on Upstart (UPST) to $24 from $26 and keeps an Equal Weight rating on the shares as the firm adjusted estimates following earnings. Published…
Upstart price target lowered to $35 from $45 at Mizuho
Mizuho lowered the firm’s price target on Upstart (UPST) to $35 from $45 and keeps an Outperform rating on the shares. The firm reduced the company’s estimates post the Q3…
Upstart price target lowered to $24 from $35 at Morgan Stanley
Morgan Stanley analyst James Faucette lowered the firm’s price target on Upstart (UPST) to $24 from $35 and keeps an Equal Weight rating on the shares. Q3 demonstrated “solid execution…
Upstart price target lowered to $46 from $61 at Citi
Citi analyst Peter Christiansen lowered the firm’s price target on Upstart (UPST) to $46 from $61 and keeps a Buy rating on the shares.
Upstart price target lowered to $24 from $28 at Goldman Sachs
Goldman Sachs lowered the firm’s price target on Upstart (UPST) to $24 from $28 and keeps a Neutral rating on the shares after its Q3 earnings. The stock had been…
Upstart price target lowered to $40 from $43 at BTIG
BTIG lowered the firm’s price target on Upstart (UPST) to $40 from $43 and keeps a Buy rating on the shares. The company’s Q3 results were “strong across the board”…
Upstart price target lowered to $35 from $51 at Piper Sandler
Piper Sandler analyst Patrick Moley lowered the firm’s price target on Upstart (UPST) to $35 from $51 and keeps an Overweight rating on the shares.
Upstart Holdings Earnings Call Transcript: Q3 2026
Q3 delivered record Contribution Profit, stronger secured margins, and improved capital efficiency despite rising credit and funding pressure. FY2026 fee revenue and Contribution Profit are expected to exceed initial plans, while total revenue and Adjusted EBITDA are lower.
Upstart Holdings Slides: Q3 2026
Upstart Holdings has posted slides in relation to its Q3 2026 quarterly earnings report, which was published on November 3, 2026.
Upstart Holdings Earnings release: Q3 2026
Upstart Holdings released its Q3 2026 earnings on November 3, 2026, summarizing the period's financial results.
Upstart Holdings Quarterly report: Q3 2026
Upstart Holdings has published its Q3 2026 quarterly earnings report on November 3, 2026.
Upstart reports Q3 EPS 33c vs. 23c last year
Reports Q3 revenue $371M, consensus $363.7M. “Macro comes and goes, but alpha compounds,” said Paul Gu, Co-founder and CEO of Upstart (UPST). “In Q3, our technology and marketing advances helped…
Upstart sees FY26 revenue $1.35B, consensus $1.42B
For full-year 2026, Upstart (UPST) expects: Revenue From Fees of approximately $1.32 billion; Total Revenue of approximately $1.35 billion; Adjusted EBITDA of approximately $260 million
Upstart Publishes October 2026 Originations and Latest UMI
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes October 2026 Originations and Latest UMI.
Upstart Announces Third Quarter 2026 Results
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Announces Third Quarter 2026 Results.
Upstart price target lowered to $30 from $37 at BofA
BofA lowered the firm’s price target on Upstart (UPST) to $30 from $37 and keeps a Neutral rating on the shares.
Upstart Co-founder and CEO to Participate in Fireside Chat at Citi's Annual FinTech Conference 2026
BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Co-founder and CEO to Participate in Fireside Chat at Citi's Annual FinTech Conference 2026.
MIT Federal Credit Union announces expansion of partnership with Upstart
MIT Federal Credit Union announced the recent expansion of its partnership with Upstart (UPST), the leading artificial intelligence, AI, lending marketplace, into indirect auto lending. The expanded r...
MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lending
LEXINGTON, Mass. & BURLINGAME, Calif.--(BUSINESS WIRE)--MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lending.
Upstart price target lowered to $18 from $20 at Citizens
Citizens lowered the firm’s price target on Upstart (UPST) to $18 from $20 and keeps an Outperform rating on the shares. Consumer Finance and FinTech stocks underperformed in Q3 despite…
Upstart price target lowered to $28 from $39 at Goldman Sachs
Goldman Sachs lowered the firm’s price target on Upstart (UPST) to $28 from $39 and keeps a Neutral rating on the shares. Payments stocks enter Q3 earnings with an attractive…