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Upstart Holdings, Inc. (UPST)
$26.93-0.66 (-2.39%)
Market ClosedLast close Jul 24
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 $26.93 with a market capitalization of $2.9B. Wall Street consensus targets $39.80 (15 analysts), implying a +47.8% move over the next 12 months. The stock is currently near its 52-week low of $23.96, remaining 26.5% below its 200-day moving average. On fundamentals, Piotroski 3/9 flags weak fundamentals. Risk note: RSI 18 is oversold, raising the odds of a near-term bounce; MACD remains below its signal line. The Whystock Score of 65/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Sell-side targets imply +47.8% upside over 12 months
Long-term trend bearish (price vs 200-day SMA)
Oversold momentum (RSI 18) — potential for technical mean-reversion
Quarterly Financials
| Metric (USD) | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|
| Total Revenue | $308.21M↑ | $276.22M↓ | $277.11M↑ | $257.29M↑ | $213.37M |
| Gross Profit | — | — | — | — | — |
| Operating Income | — | — | — | — | — |
| Net Income | -$6.65M↓ | $18.64M↓ | $31.80M↑ | $5.61M↑ | -$2.45M |
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
3.88M
Recent News
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SoFi's stock has cratered while its profits soared, creating a rare gap between price and performance heading into July 29 earnings. Whether that gap is a trap or a generational buying opportunity depends on two numbers the market will see that day.
Upstart Holdings, Inc. (UPST) Stock Falls Amid Market Uptick: What Investors Need to Know
Upstart Holdings, Inc. (UPST) closed the most recent trading day at $26.93, moving 2.39% from the previous trading session.
Upstart nabs conditional bank charter
“We've been challenged extensively throughout the process, and that's exactly what should happen when an institution is seeking the privilege of becoming a national bank,” an Upstart executive said.
Sezzle vs. Upstart: Which Fintech Stock Is the Better Buy Now?
Sezzle's subscriber growth, rising purchase frequency and strong margins give it the edge over Upstart despite a richer valuation.
Upstart Holdings, Inc. (UPST) Falls More Steeply Than Broader Market: What Investors Need to Know
Upstart Holdings, Inc. (UPST) closed the most recent trading day at $28.64, moving 2.15% from the previous trading session.