UPST — Upstart Holdings, Inc. stock price, charts and financials

QT29Upstart Holdings, Inc.

Upstart Holdings, Inc. (NASDAQ: UPST) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.

Latest market price
30.33
-0.76-2.44%
OverviewShort InterestFilings
UPSTQT29Upstart Holdings, Inc.·NASDAQ
30.33-2.44%
TA
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Signal & projected range
Earnings big miss — drift (PEAD)Historical pattern — not a prediction
Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)
Horizon
0%Past 3 monthsToday
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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Premium shows the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands ofhistorical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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HCXY+0.06%$25.02AGM-0.58%$234.16SEZL+0.75%$118.90LC+2.13%$19.21WU-1.98%$6.94BFH-0.48%$107.80NNI-5.01%$124.87JSM-0.03%$17.75
Snapshot
Index-P/E50.03EPS (ttm)0.62Insider Own12.08%Shs Outstand95.71MPerf Week13.30%
Market Cap2.98BForward P/E17.10EPS next Y1.82Insider Trans1.41%Shs Float81.92MPerf Month-6.44%
Enterprise Value4.51BPEG0.04EPS next Q-Inst Own-Short Float31.95%Perf Quarter7.21%
Income59.81MP/S2.58EPS this Y72.70%Inst Trans-Short Ratio5.58Perf Half Y-10.20%
Sales1.16BP/B3.76EPS next Y156.70%ROA1.90%Short Interest26.18MPerf YTD-28.90%
Book/sh-P/C-EPS next 5Y93.31%ROE7.85%52W High75.07 -59.60%Perf Year-53.69%
Cash/sh-P/FCF-EPS past 3/5Y- 14.37%ROIC1.77%52W Low23.38 29.70%Perf 3Y-54.27%
Dividend Est.-EV/EBITDA54.56Sales past 3/5Y8.05% 36.15%Gross Margin74.44%Volatility7.35% 5.49%Perf 5Y-74.25%
Dividend TTM-EV/Sales3.90EPS Y/Y TTM128.47%Oper. Margin4.16%ATR (14)1.91Perf 10Y-
Dividend Ex-Date-Quick Ratio1.64Sales Y/Y TTM71.79%Profit Margin5.22%RSI (14)55.59Recom2.64
Dividend Gr. 3/5Y-Current Ratio1.64EPS Q/Q-122.87%SMA206.55%Beta2.19Target Price38.75
Payout0.00%Debt/Eq2.49Sales Q/Q40.00%SMA50-0.27%Rel Volume0.94Prev Close31.09
Employees1,405LT Debt/Eq2.19EarningsNov 03SMA200-12.58%Avg Volume4.50MPrice30.33
IPO DateDec 16, 2020Option/ShortYes / YesEPS/Sales Surpr.-116.33% 2.29%Net Debt/EBITDA18.52Volume4,245,841Change-2.44%
Analyst Ratings
DateActionAnalystRatingTarget
Aug-05-26ReiteratedPiper SandlerOverweight$46 → $51
Jul-09-26ReiteratedGoldman SachsNeutral$35 → $39
Jul-07-26ReiteratedNeedhamBuy$37 → $40
Jun-09-26ReiteratedJefferiesHold$27 → $30
May-08-26ReiteratedMizuho SecuritiesOutperform$51 → $45
May-07-26ReiteratedMorgan StanleyEqual Weight$45 → $35
May-06-26ReiteratedTruist FinancialBuy$49 → $40
May-06-26ReiteratedPiper SandlerOverweight$56 → $46
May-06-26ReiteratedNeedhamBuy$56 → $37
Mar-16-26UpgradeBTIGNeutral → Buy
Latest News
Aug-06-26
Aug-06-2606:00AM
Upstart: 27% Short Interest, GAAP Profitability, And 42% Growthseekingalpha.com
Aug-05-26
Aug-05-2603:03PM
Upstart Holdings, Inc. 2026 Q2 - Results - Earnings Call PresentationSeekingAlpha
12:15PM
Upstart Stock Rises as Loan Volume Outgrows Its Marginsgurufocus.com
11:01AM
Why Upstart Stock Was Climbing Todayfool.com
09:38AM
Upstart Loan Originations Jump 50% as It Preps Bank Launchpymnts.com
08:06AM
These Analysts Increase Their Forecasts On Upstart After Upbeat Q2 Resultsbenzinga.com
07:30AM
Breakfast News: SpaceX Snub Rains on AMD's Paradefool.com
12:10AM
Upstart Holdings, Inc. (UPST) Q2 2026 Earnings Call Transcriptseekingalpha.com
Aug-04-26
Aug-04-2611:04PM
Upstart Q2 Earnings Call Highlightsmarketbeat.com
08:02PM
Upstart Holdings, Inc. (UPST) Q2 Earnings and Revenues Surpass Estimateszacks.com
06:22PM
Upstart's AI upgrades pay off, as a pickup in loan growth helps send the stock highermarketwatch.com
04:49PM
Upstart Stock Rallies After Q2 Earnings Beat Estimatesbenzinga.com
04:05PM
Upstart Announces Second Quarter 2026 Resultsbusinesswire.com
Aug-03-26
Aug-03-2610:16AM
Ahead of Upstart (UPST) Q2 Earnings: Get Ready With Wall Street Estimates for Key Metricszacks.com
08:00AM
Upstart Publishes July 2026 Originations and Latest UMIgurufocus.com
Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements
DataTimeframe
Line Item (USD, M)
TTM
—
FY 2025
12/31/2025
FY 2024
12/31/2024
FY 2023
12/31/2023
FY 2022
12/31/2022
FY 2021
12/31/2021
FY 2020
12/31/2020
FY 2019
12/31/2019
FY 2018
12/31/2018
Total Revenue1,1551,076677——————
Cost of Goods Sold Incl. D&A2965248——————
Gross Profit8601,024629——————
Selling, General and Administrative Excl. Other653744556——————
Research and Development
8000——————
Other Operating Expense79226201——————
Operating Income4854-128——————
Interest Expense355248——————
Unusual Expense
—————————
Non-Operating Income (Expense)375248——————
Net Income Before Taxes5054-128——————
Income Taxes110——————
Consolidated Net Income6154-129——————
Net Income From Continuing Operations5054-129——————
Net Income6154-129——————
EPS (Recurring)0.620.56-1.44——————
EPS (Basic, Before Extraordinaries)0.620.56-1.44——————
EPS (Diluted)0.510.45-1.44——————
EBITDA8379-108——————
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio59.4797.18———————
Price To Sales Ratio2.553.908.09——————
Gross Margin74.4695.1792.91——————
Operating Margin4.165.02-18.91——————
Net Margin5.285.02-19.05——————
Shares Outstanding979689——————
Market Capitalization2,9424,1985,480——————
Operating Lease Expense
—————————
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Insider Trading Volume
$93.12$73.65$54.17$34.70$15.23● Close Price0.00M1.59M3.19M4.78M6.37MUSD Trades VolumeAugSepOctNovDec2026FebMarAprMayJunJulAug
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
Datta SanjayPresident, Capital& EnterpriseJun 09 '26Sale30.4115,000456,116313,556Jun 11
Mirgorodskaya NataliaSee RemarksMay 26 '26Sale28.9997428,23637,374May 27
Mirgorodskaya NataliaSee RemarksMay 20 '26Sale28.7752615,13438,348May 22
Darling ScottChief Legal OfficerMay 20 '26Sale28.786,634190,91288,728May 22
Datta SanjayPresident, Capital& EnterpriseMay 20 '26Sale28.777,985229,740328,556May 22
Mirgorodskaya NataliaSee RemarksMay 15 '26Option Exercise1.354,6006,21038,874May 18
Blankmeyer AndreaChief Financial OfficerMay 15 '26Sale29.637,044208,703162,383May 18
Darling ScottChief Legal OfficerMay 15 '26Sale29.5472721,476102,609May 18
Datta SanjayPresident, Capital& EnterpriseMay 15 '26Sale29.561,81753,707336,541May 18
Gu PaulChief Executive OfficerMay 13 '26Buy27.5050,0001,375,00070,000May 14
Girouard Davedirector, 10 percent owner:May 07 '26Buy29.37170,2404,999,6078,512,941May 08
Girouard Davedirector, 10 percent owner:May 07 '26Option Exercise0.83835,075693,1129,348,016May 08
Mirgorodskaya NataliaSee RemarksMar 02 '26Sale26.0239010,14834,274Mar 03
Mirgorodskaya NataliaSee RemarksFeb 25 '26Sale28.7986624,93225,289Feb 27
Datta SanjayChief Financial OfficerFeb 20 '26Sale29.867,982238,375276,688Feb 24
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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.