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Upstart Holdings, Inc.
UPST
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $3.4B
$34.75
▼ -2.77%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$23.97 - $87.30
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 51.3% 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 2.3). Larger-than-normal price swings expected.
- Growth premium of 2.8x vs Digital Payments peers. Elevated but may be justified by growth trajectory.
Growth
Moderate growth ahead
AI Technology Advancement
Value
Growth premium of 2.8x vs Digital Payments peers. Elevated but may be justified by growth trajectory.
Momentum
Hot
+39.7% over 3m
Quality
Excellent
High-growth business (61% revenue growth, 96% 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: May 4, 2026
MAY 5, 2026
Reported EPS of $0.30 vs $0.39 consensus (-23.1% surprise). Revenue of $308.2M vs $301.3M expected (+2.3%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-23.1%
Next: May 4, 2026
Revenue trend · last 8Q
—
—
+67%
+67%
+96%
+71%
+44%
+40%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$127.6M
$162.1M
$211.3M
$220.4M
$265.1M
$285.9M
$304.2M
$308.2M
Margins · last 8Q
Gross
—
Operating
—
Profit
-2.2%
Wall Street consensus
9 analysts · 56% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
56%
Hold
22%
Sell
22%
Median Price Target
$40.00
▲ +15.1% vs $34.75
Latest: Citi · Jun 11, 2026
5 analysts covering