Logo image of UPST

UPSTART HOLDINGS INC (UPST) Stock Overview

USA - NASDAQ:UPST - US91680M1071 - Common Stock

50.7 USD
-2.04 (-3.87%)
Last: 10/28/2025, 8:26:02 PM
50.79 USD
+0.09 (+0.18%)
After Hours: 10/28/2025, 8:26:02 PM

UPST Key Statistics, Chart & Performance

Key Statistics
Market Cap4.88B
Revenue(TTM)851.77M
Net Income(TTM)-6353000
Shares96.22M
Float84.25M
52 Week High96.43
52 Week Low31.4
Yearly DividendN/A
Dividend YieldN/A
EPS(TTM)0.86
PE58.95
Fwd PE19.83
Earnings (Next)11-04 2025-11-04/amc
IPO2020-12-16
Sector
GICS SectorFinancials
GICS IndustryConsumer Finance
GICS IndustryGroupFinancial Services
GICS SubIndustryConsumer Finance


UPST short term performance overview.The bars show the price performance of UPST in the last week, last 2 weeks, last month, last 3 and 6 months. 1 week 2 week 1 month 3 months 6 months 0 -10 -20 -30

UPST long term performance overview.The bars show the price performance of UPST in the last 1, 2 and 3 years. 1 year 2 years 3 years 20 40 60 80 100

The current stock price of UPST is 50.7 USD. In the past month the price decreased by -0.2%. In the past year, price increased by 4.58%.

UPSTART HOLDINGS INC / UPST Daily stock chart

UPST Latest News, Press Relases and Analysis

UPST Competitors/Peers

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CACC CREDIT ACCEPTANCE CORP 13.4 5.55B
NNI NELNET INC-CL A 23.99 4.71B

About UPST

Company Profile

UPST logo image Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. The company is headquartered in San Mateo, California and currently employs 1,193 full-time employees. The company went IPO on 2020-12-16. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. The company applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.

Company Info

UPSTART HOLDINGS INC

2950 S. Delaware Street, Suite 410

San Mateo CALIFORNIA 94403 US

CEO: Dave Girouard

Employees: 1193

UPST Company Website

UPST Investor Relations

Phone: 16502041000

UPSTART HOLDINGS INC / UPST FAQ

What does UPST do?

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. The company is headquartered in San Mateo, California and currently employs 1,193 full-time employees. The company went IPO on 2020-12-16. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. The company applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.


Can you provide the latest stock price for UPSTART HOLDINGS INC?

The current stock price of UPST is 50.7 USD. The price decreased by -3.87% in the last trading session.


What is the dividend status of UPSTART HOLDINGS INC?

UPST does not pay a dividend.


What is the ChartMill rating of UPSTART HOLDINGS INC stock?

UPST has a ChartMill Technical rating of 0 out of 10 and a ChartMill Fundamental rating of 3 out of 10.


What sector and industry does UPSTART HOLDINGS INC belong to?

UPSTART HOLDINGS INC (UPST) operates in the Financials sector and the Consumer Finance industry.


Can you provide the market cap for UPSTART HOLDINGS INC?

UPSTART HOLDINGS INC (UPST) has a market capitalization of 4.88B USD. This makes UPST a Mid Cap stock.


Who owns UPSTART HOLDINGS INC?

You can find the ownership structure of UPSTART HOLDINGS INC (UPST) on the Ownership tab.


UPST Technical Analysis


Chartmill TA Rating
Chartmill Setup Rating

UPST Fundamental Analysis

ChartMill assigns a fundamental rating of 3 / 10 to UPST. UPST has a bad profitability rating. Also its financial health evaluation is rather negative.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend

UPST Financial Highlights

Over the last trailing twelve months UPST reported a non-GAAP Earnings per Share(EPS) of 0.86. The EPS increased by 234.38% compared to the year before.


Industry RankSector Rank
PM (TTM) N/A
ROA -0.26%
ROE -0.88%
Debt/Equity 1.98
Chartmill High Growth Momentum
EPS Q2Q%311.76%
Sales Q2Q%101.59%
EPS 1Y (TTM)234.38%
Revenue 1Y (TTM)60.62%

UPST Forecast & Estimates

20 analysts have analysed UPST and the average price target is 87.44 USD. This implies a price increase of 72.47% is expected in the next year compared to the current price of 50.7.

For the next year, analysts expect an EPS growth of 702.46% and a revenue growth 76.24% for UPST


Analysts
Analysts75
Price Target87.44 (72.47%)
EPS Next Y702.46%
Revenue Next Year76.24%

UPST Ownership

Ownership
Inst Owners65.95%
Ins Owners12.42%
Short Float %34.04%
Short Ratio4.12