Upstart Holdings, Inc.
UPST
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $2.7B
$28.05
▼ -1.65%
P/E
53.80
Mkt Cap
$2.7B
52-Wk Range
$23.97–$71.38
52-Week Range
$23.97 - $71.38
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 58.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Advanced AI Risk Assessment
- Machine Learning Technology
- Proprietary Credit Modeling
- Extensive Bank Partnership Network
Bear Case
2 risks
- High volatility (beta 2.2). Larger-than-normal price swings expected.
- Growth premium of 3.9x vs Digital Payments peers. Significant premium - requires sustained high growth to justify.
Growth
Moderate growth ahead
AI Technology Advancement
Value
Growth premium of 3.9x vs Digital Payments peers. Significant premium - requires sustained high growth to justify.
Momentum
Weak
-9.5% over 3m
Quality
Excellent
High-growth business (47% revenue growth, 95% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying UPST right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 3, 2026
AUG 4, 2026
Reported EPS of $0.16 vs $0.18 consensus (-10.2% surprise). Revenue of $364.7M vs $354.7M expected (+2.8%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-10.2%
Revenue trend · last 8Q
—
+67%
+67%
+96%
+71%
+44%
+40%
+38%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$162.1M
$211.3M
$220.4M
$265.1M
$285.9M
$304.2M
$308.2M
$364.7M
Margins · last 8Q
Gross
-82.9%
Operating
4.0%
Profit
4.5%
Wall Street consensus
6 analysts · 83% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
83%
Hold
17%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Aug 5, 2026
vs Industry
How UPST stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
Related