/UPST
UPST Stock - Upstart Holdings, Inc.
Financial Services|Financial - Credit ServicesNASDAQ
$47.59+1.19%
+$0.56 (+1.19%) • Dec 19
55
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.40
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).83
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.29
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+16.4%upside
Target: $55.39
AI Analysis PreviewPremium
Real-time AI-powered market analysis
Precise entry/exit price targets
Risk assessment & position sizing
Unlock GoAI Insights for UPST
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Buy/Sell Signals
94% win rate on Alpha signals
Deep Analysis
Institutional-grade thesis
Real-Time Alerts
SMS & push notifications
Risk Scoring
Multi-factor analysis
Free 14-day trial • No credit card required
Active Trade Setup
ENTRY ZONE$47.11 – $48.07
TARGET (TP)$55.40
STOP LOSS$43.78
RISK/REWARD1:2.0
Premium members get real-time SMS alerts
Price Chart
Financial Statements
Revenue & Profitability Trend
← Swipe to see more →
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta2.28
52W High$96.43
52W Low$31.40
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $676.96M | $547.72M | $853.29M | $849.89M | $230.08M |
| Gross Profit | $628.83M | $508.12M | $837.76M | $846.61M | $222.05M |
| Gross Margin | 92.9% | 92.8% | 98.2% | 99.6% | 96.5% |
| Operating Income | $-128,396,000 | $-240,025,000 | $-109,074,000 | $133.73M | $5.95M |
| Net Income | $-128,581,000 | $-240,132,000 | $-108,665,000 | $135.44M | $5.98M |
| Net Margin | -19.0% | -43.8% | -12.7% | 15.9% | 2.6% |
| EPS | $-1.44 | $-2.87 | $-1.31 | $1.73 | $0.27 |
Company Overview
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
9
26%
Hold / Neutral
18
51%
Sell / Underperform
8
23%
Analyst Consensus🔴 Bearish
9 Bullish26 Neutral/Bearish
Price Targets
$50
Average Target
↑ 5.4% Upside
Now
$6
Low
$50
Average
$150
High
Based on 40 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| August 20th 2025 | JP Morgan | Upgrade | Overweight | $88 |
| July 14th 2025 | Goldman | Resumed | Sell | $71 |
| June 24th 2025 | Piper Sandler | Resumed | Overweight | $75 |
| June 12th 2025 | Stephens | Initiation | Equal Weight | $55 |
| April 29th 2025 | BofA Securities | Upgrade | Neutral | $53 |
| February 14th 2025 | Morgan Stanley | Upgrade | Equal Weight | $70← $12 |
| February 12th 2025 | JP Morgan | Upgrade | Neutral | $79← $57 |
| February 12th 2025 | B. Riley Securities | Upgrade | Buy | $105← $49 |
| December 13th 2024 | Needham | Upgrade | Buy | $100 |
| December 3rd 2024 | Redburn Atlantic | Upgrade | Buy | $95← $37 |
| December 2nd 2024 | JP Morgan | Downgrade | Underweight | - |
| November 11th 2024 | BTIG Research | Upgrade | Neutral | - |
| November 8th 2024 | Citigroup | Upgrade | Buy | $87← $56 |
| November 8th 2024 | JP Morgan | Upgrade | Neutral | $45← $30 |
| November 8th 2024 | Piper Sandler | Upgrade | Overweight | $85← $31 |
Earnings History & Surprises
UPSTBeat Rate
89%
Last 18 quarters
Avg Surprise
+73.3%
EPS vs Estimate
Beats / Misses
16/2
Last 12 quarters
Latest EPS
$0.52
Q4 2025
EPS Surprise History
Q1 24
+26.7%
$-0.11vs$-0.15
Q2 24
+18.4%
$-0.31vs$-0.38
Q3 24
+56.4%
$-0.17vs$-0.39
Q4 24
+59.1%
$-0.06vs$-0.15
Q1 25
+750.0%
$0.26vs$-0.04
Q2 25
+57.9%
$0.30vs$0.19
Q3 25
+33.3%
$0.36vs$0.27
Q4 25
+23.8%
$0.52vs$0.42
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 4, 2026 | — | — | — | — |
Q1 2026 | Feb 10, 2026 | $0.47 | — | — | — |
Q4 2025 | Nov 4, 2025 | $0.42 | $0.52 | +23.8% | ✓ BEAT |
Q3 2025 | Aug 5, 2025 | $0.27 | $0.36 | +33.3% | ✓ BEAT |
Q2 2025 | May 6, 2025 | $0.19 | $0.30 | +57.9% | ✓ BEAT |
Q1 2025 | Feb 11, 2025 | $-0.04 | $0.26 | +750.0% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $-0.15 | $-0.06 | +59.1% | ✓ BEAT |
Q3 2024 | Aug 6, 2024 | $-0.39 | $-0.17 | +56.4% | ✓ BEAT |
Q2 2024 | May 7, 2024 | $-0.38 | $-0.31 | +18.4% | ✓ BEAT |
Q1 2024 | Feb 13, 2024 | $-0.15 | $-0.11 | +26.7% | ✓ BEAT |
Q4 2023 | Nov 7, 2023 | $-0.02 | $-0.05 | -206.7% | ✗ MISS |
Q3 2023 | Aug 8, 2023 | $-0.06 | $0.06 | +200.0% | ✓ BEAT |
Q2 2023 | May 9, 2023 | $-0.82 | $-0.47 | +42.7% | ✓ BEAT |
Q1 2023 | Feb 14, 2023 | $-0.48 | $-0.25 | +47.9% | ✓ BEAT |
Q4 2022 | Nov 8, 2022 | $-0.07 | $-0.24 | -242.9% | ✗ MISS |
Q3 2022 | Aug 8, 2022 | $-0.05 | $0.01 | +120.0% | ✓ BEAT |
Q2 2022 | May 9, 2022 | $0.52 | $0.61 | +17.3% | ✓ BEAT |
Q1 2022 | Feb 15, 2022 | $0.51 | $0.89 | +74.5% | ✓ BEAT |
Q4 2021 | Nov 9, 2021 | $0.31 | $0.60 | +93.5% | ✓ BEAT |
Q3 2021 | Aug 10, 2021 | $0.25 | $0.62 | +148.0% | ✓ BEAT |
Latest News
Lemonade, Baldwin Insurance surge, Circle Internet, Upstart drop: week's financials wrap
➖ NeutralSeeking Alpha•Nov 8, 2025, 03:10 PM•Also: ,
Upstart Signs 12-Month Forward-Flow Commitment With Castlelake To Sell Its $1.5B In Consumer Loans Originated Through The Upstart Platform
📈 PositiveBenzinga•Nov 6, 2025, 03:02 PM
JP Morgan Maintains Overweight on Upstart Hldgs, Lowers Price Target to $65
➖ NeutralBenzinga•Nov 5, 2025, 08:24 PM
Piper Sandler Maintains Overweight on Upstart Hldgs, Lowers Price Target to $56
➖ NeutralBenzinga•Nov 5, 2025, 04:03 PM
Stephens & Co. Maintains Equal-Weight on Upstart Hldgs, Lowers Price Target to $40
➖ NeutralBenzinga•Nov 5, 2025, 02:49 PM
BTIG Reiterates Neutral on Upstart Hldgsto Neutral
➖ NeutralBenzinga•Nov 5, 2025, 01:28 PM
Needham Maintains Buy on Upstart Hldgs, Lowers Price Target to $56
➖ NeutralBenzinga•Nov 5, 2025, 11:53 AM
B of A Securities Maintains Neutral on Upstart Hldgs, Lowers Price Target to $71
➖ NeutralBenzinga•Nov 5, 2025, 11:44 AM
Upstart Holdings shares are trading lower after the company reported mixed Q3 financial results and cut its FY25 sales guidance below estimates. Also, the company issued Q4 sales guidance below estimates.
📉 NegativeBenzinga•Nov 5, 2025, 11:18 AM
Upstart Holdings shares are trading lower after the company reported mixed Q3 financial results and cut its FY25 sales guidance below estimates. Also, the company issued Q4 sales guidance below estimates.
📉 NegativeBenzinga•Nov 4, 2025, 10:09 PM
Upstart Hldgs Sees Q4 Sales $288.000M vs $303.618M Est
📉 NegativeBenzinga•Nov 4, 2025, 09:14 PM
Upstart Hldgs Lowers FY2025 Sales Guidance from $1.055B to $1.035B vs $1.056B Est
📉 NegativeBenzinga•Nov 4, 2025, 09:14 PM
Upstart Hldgs Q3 Adj. EPS $0.52 Beats $0.42 Estimate, Sales $277.105M Miss $279.623M Estimate
📈 PositiveBenzinga•Nov 4, 2025, 09:12 PM
Goldman Sachs Maintains Sell on Upstart Hldgs, Lowers Price Target to $54
📉 NegativeBenzinga•Oct 13, 2025, 05:40 PM
Cornerstone Community Financial Partners With Upstart To Offer Smarter AI-Driven Personal Loans
📈 PositiveBenzinga•Aug 27, 2025, 01:08 PM
J.P. Morgan upgrades Upstart amid stable credit trends, rate cut expectations
📈 PositiveSeeking Alpha•Aug 20, 2025, 02:01 PM
JP Morgan Upgrades Upstart Hldgs to Overweight, Lowers Price Target to $88
📈 PositiveBenzinga•Aug 20, 2025, 12:34 PM•Also: ,
Upstart plans to issue $500M of convertible senior notes in private offering
➖ NeutralSeeking Alpha•Aug 11, 2025, 12:16 PM
Upstart stock slumps after Q2 earnings beat, solid guidance
📉 NegativeSeeking Alpha•Aug 5, 2025, 08:49 PM
Upstart GAAP EPS of $0.05 beats by $0.15, revenue of $257M beats by $31.6M
📈 PositiveSeeking Alpha•Aug 5, 2025, 08:08 PM
Frequently Asked Questions about UPST
What is UPST's current stock price?
Upstart Holdings, Inc. (UPST) is currently trading at $47.59 per share. The stock has moved +1.19% today.
What is the analyst price target for UPST?
The average analyst price target for UPST is $55.40, based on 1 analyst.
What sector is Upstart Holdings, Inc. in?
Upstart Holdings, Inc. operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is UPST's market cap?
Upstart Holdings, Inc. has a market capitalization of $4.63 billion, making it a mid-cap company.
Does UPST pay dividends?
No, Upstart Holdings, Inc. does not currently pay a dividend to shareholders.
Similar Stocks
Financial Services SectorAX
Axos Financial, Inc.
$87.51
Mkt Cap: $5.0B
BGC
BGC Group, Inc
$9.01
Mkt Cap: $4.3B
CACC
Credit Acceptance Corporation
$462.11
Mkt Cap: $5.1B
JSM
Navient Corporation SR NT 6% 121543
$19.63
Mkt Cap: $5.4B
LAZ
Lazard Ltd
$49.68
Mkt Cap: $4.7B
LMND
Lemonade, Inc.
$82.61
Mkt Cap: $6.0B
MC
Moelis & Company
$70.03
Mkt Cap: $5.2B
NNI
Nelnet, Inc.
$138.59
Mkt Cap: $5.0B
RDN
Radian Group Inc.
$36.77
Mkt Cap: $5.0B
SNEX
StoneX Group Inc.
$95.71
Mkt Cap: $5.0B
Explore stocks similar to UPST for comparison