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UPST
$31.17-0.91 (-2.84%)
Market ClosedLast close May 5
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 $31.17. The stock is currently near its 52-week low of $23.96, remaining 33.3% below its 200-day moving average. Technical signals show neutral RSI of 43 and bearish MACD signal, explaining why UPST maintains its current current market pressure. The Whystock Score of 60/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 43) — price action in range
Long-term trend bearish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$31.17
Potential Downside
76.9%
Whystock Fair Value$7.20
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus15 analysts
Buy
Mean target$43.27+38.8%
Range$20.00 – $80.00
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).
$3.32B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
77.20
Beta
High-beta play. Expect amplified moves vs. the broad market.
2.16
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
-0.80%
Volume
Today's trading volume
6.13M
Recent News
Upstart Q1 Earnings Call Highlights
Upstart (NASDAQ:UPST) reported strong first-quarter 2026 growth while reiterating full-year guidance, as newly appointed CEO Paul Gu and newly hired CFO Andrea Blankmeyer emphasized a strategy centered on capital-efficient expansion, improving AI-driven underwriting, and scaling newer lending produc
Upstart (UPST) Q1 2026 Earnings Transcript
Paul Gu: Thank you, Sonya, and thank you everyone for joining us today. As reflected in our three-year outlook of 35% annualized revenue growth, we expect to be one of the fastest multiyear compounders at our scale. Consumer credit is arguably the oldest, most economically foundational business there is, and today is the perfect time to reimagine it.
Upstart (UPST) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
While the top- and bottom-line numbers for Upstart (UPST) give a sense of how the business performed in the quarter ended March 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Upstart Holdings, Inc. (UPST) Q1 Earnings Miss Estimates
Upstart (UPST) delivered earnings and revenue surprises of -22.42% and +6.52%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
Upstart’s (NASDAQ:UPST) Q1 CY2026 Sales Top Estimates But Stock Drops 13.3%
AI lending platform Upstart (NASDAQ:UPST) reported revenue ahead of Wall Street’s expectations in Q1 CY2026, with sales up 44.4% year on year to $308.2 million. On the other hand, the company’s full-year revenue guidance of $1.4 billion at the midpoint came in 0.9% below analysts’ estimates. Its GAAP loss of $0.07 per share was significantly below analysts’ consensus estimates.