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Upstart Holdings, Inc. (UPST)
$26.98-1.07 (-3.81%)
Market ClosedLast close Sep 8
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Upstart Holdings, Inc. in the Financial Services sector is trading at $26.98 with a market capitalization of $2.9B. Wall Street consensus targets $40.40 (15 analysts), implying a +49.7% move over the next 12 months. The stock is currently near its 52-week low of $23.96, remaining 20.6% below its 200-day moving average. On fundamentals, Piotroski 3/9 flags weak fundamentals. Risk note: MACD remains below its signal line. The Whystock Score of 55/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Sell-side targets imply +49.7% upside over 12 months
Long-term trend bearish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
Quarterly Financials
| Metric (USD) | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|
| Total Revenue | $364.71M↑ | $308.21M↑ | $276.22M↓ | $277.11M↑ | $257.29M |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| Net Income | $16.54M↑ | -$6.65M↓ | $18.64M↓ | $31.80M↑ | $5.61M |
Peer Comparison
JPMBACGS
Fundamentals
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 in...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$2.90B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
73.88
Beta
High-beta play. Expect amplified moves vs. the broad market.
2.26
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
6.74%
Volume
Today's trading volume
5.44M
Recent News
Upstart (UPST) Stock Looks Expensive Following a 90% Five Year Slump
Upstart Holdings has seen its share price fall sharply over the past few years, yet the stock still screens as expensive on broad valuation checks. For investors, that mix of heavy share price declines and an overvalued verdict raises questions about how much of the risk is already reflected in the current price. Over the past 5 years, Upstart Holdings has delivered a total return that declined about 90%, which points to a very weak outcome for longer term shareholders so far. The company’s...
Upstart Holdings (UPST) Just Raised A Bigger Question
UMI update puts Upstart Holdings’ risk gauge in focus Upstart Holdings (UPST) has released its August 2026 origination figures along with a fresh reading of its Upstart Macro Index at 1.50, giving investors a closer look at current default risk assumptions. Despite the fresh UMI reading, recent trading shows pressure on Upstart Holdings, with the share price at $28.52 after a 1-day share price return of 1.24%, a year-to-date share price return that is down 37.78%, and a 1-year total...
Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound?
Upstart (UPST) reported earnings 30 days ago. What's next for the stock? We take a look at earnings estimates for some clues.
Tenable, Upstart, SentinelOne, monday.com, and DigitalOcean Stocks Trade Down, What You Need To Know
A number of stocks fell in the afternoon session after escalating geopolitical tensions in the Middle East and climbing global bond yields dampened investor risk appetite.
Is SoFi's Product Flywheel Gaining Enough Traction to Lift SOFI Stock?
SoFi's product flywheel gains traction as cross-buy rises, non-lending products expand, and fee-based growth broadens its financial-services model.