/UPST
Upstart Holdings, Inc.
UPST • NASDAQUPST • NASDAQ • Financial Services
$26.36+2.33%+0.60
$26.36+2.33%(+0.60)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
32High Risk
Momentum
0Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
95.2%▲2.3pp
Revenue after COGS
Operating
5.1%▲24.0pp
After operating expenses
Net
5.0%▲24.0pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
78.3
Price vs earnings
EV/EBITDA
68.1
Enterprise value
FCF Yield
-4.0%
Cash generation
Earnings Yield
1.3%
Inverse of P/E
Capital Efficiency
3
GoAI Quality ScoreWeak
ROEReturn on Equity
6.7%Fair
ROAReturn on Assets
1.8%Fair
ROICReturn on Invested Capital
2.0%Fair
Financial Health
Current RatioHealthy
2.99
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
15.07x
Debt repayment capacity (<3x)
Income QualityWeak
-2.76
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $1.08B | $676.96M | $547.72M | $853.29M | $849.89M |
| Gross Profit | $1.02B | $628.83M | $508.12M | $837.76M | $846.61M |
| Gross Margin | 95.2% | 92.9% | 92.8% | 98.2% | 99.6% |
| Operating Income | $54.33M | -$128.40M | -$240.03M | -$109.07M | $133.73M |
| Net Income | $53.60M | -$128.58M | -$240.13M | -$108.67M | $135.44M |
| Net Margin | 5.0% | -19.0% | -43.8% | -12.7% | 15.9% |
| EPS | $0.56 | -$1.44 | -$2.87 | -$1.31 | $1.73 |
Average Price Target
$45.17▲ 71.4% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Upstart Holdings, Inc., the average price target is $45.17, with a high forecast of $56.00 and a low forecast of $30.00. The average price target represents a 71.4% increase from the current price of $26.36.
Highest
$56.00
Average
$45.17
Lowest
$30.00
Rating Distribution
Strong Buy
0
0%
Buy
9
41%
Hold
11
50%
Sell
2
9%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Needham● Maintain
Buy
2026-03-11Needham● Maintain
Buy
2026-03-04Citizens● Maintain
Market Underperform
2026-02-18Compass Point▲ Upgrade
Sell→Neutral
2026-02-17Citizens▼ Downgrade
Market Perform→Market Underperform
2026-02-13Goldman Sachs▲ Upgrade
Sell→Neutral
2026-02-13Needham● Maintain
Buy
2026-02-11Truist Securities● Maintain
Buy
2026-02-11BTIG● Maintain
Neutral
2025-11-05B of A Securities● Maintain
Neutral
2025-11-05Earnings History & Surprises
BEAT RATE
83%
Last 18 quarters
AVG SURPRISE
+65.0%
EPS vs Estimate
BEATS / MISSES
15/3
Last 18 quarters
LATEST EPS
$0.46
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
-2.1%
$0.46 vs $0.47
Q4 '25
+23.8%
$0.52 vs $0.42
Q3 '25
+33.3%
$0.36 vs $0.27
Q2 '25
+57.9%
$0.30 vs $0.19
Q1 '25
+750.0%
$0.26 vs $-0.04
Q4 '24
+59.1%
$-0.06 vs $-0.15
Q3 '24
+56.4%
$-0.17 vs $-0.39
Q2 '24
+18.4%
$-0.31 vs $-0.38
Q1 '24
+26.7%
$-0.11 vs $-0.15
Q4 '23
-206.7%
$-0.05 vs $-0.02
Q3 '23
+200.0%
$0.06 vs $-0.06
Q2 '23
+42.7%
$-0.47 vs $-0.82
No investor questions available.
Latest News
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