About Upstart Holdings Inc
- Industry: Financial Services
- Exchange: NASDAQ NMS - GLOBAL MARKET
- Country: US
- Website: https://www.upstart.com/
Frequently Asked Questions
What is the 52-week range for UPST?
The 52-week high is $55.22 and the 52-week low is $22.555.
What is the P/E ratio for UPST?
The Price to Earnings (P/E) ratio is 36.79.
What is the dividend yield for UPST?
This company does not currently pay a dividend or the data is unavailable.
What is the Return on Equity (ROE)?
The trailing twelve months (TTM) Return on Equity is 8.59%.
What is the Net Profit Margin?
The Net Profit Margin (TTM) is 4.84%.
What is the Price to Book (P/B) Ratio?
The annual Price to Book ratio stands at 5.33.
Analyst Recommendation Trends
Wall Street analyst consensus for UPST over the last few months:
Latest UPST News
Is Upstart Stock a Buy, Sell, or Hold At Its New 52-Week Low?
The chief reason shares are still losing ground is worry, but that worry isn't rooted in results.
Upstart Holdings September 2026 Origination Volume Hits $1.38B, Averaging $53.1M Per Day Across 25.95 Origination Days, Q3 Origination Volume Hits $4.12B, Averaging $51.6M Per Day Across 79.85 Origination Days
Upstart Holdings, Inc. (NASDAQ:UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for September 2026 along with the latest Upstart Macro Index (UMI)
Upstart Holdings (UPST) Expanded Into HELOC And Auto Lending With A Credit Union
Upstart Holdings (NasdaqGS: UPST) and Commonwealth Credit Union expanded their partnership to include home equity lines of credit and indirect auto lending. The broadened agreement extends Upstart's AI-driven underwriting beyond unsecured personal loans into secured and dealer-originated credit products for Commonwealth members. Upstart will power digital applications and credit decisioning while Commonwealth Credit Union continues to hold loans on its balance sheet and manage member...
Pagaya Trades at a Discount: Is the Stock Worth Investing In?
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The SoFi Growth Story Is Getting Harder to Ignore
SoFi just posted record loan originations and raised its full-year guidance, yet the stock sits nearly 40% in the red for the year. Something about that disconnect deserves a closer look.
Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
1 Software Stock on Our Buy List and 2 We Avoid
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SoFi Technologies Bombed by More Than 40% in 1 Year: A Wall Street Pro Just Reiterated His Belief That Shares Will Double in 12 Months
SoFi's stock sits just above a 52-week low while one Citigroup analyst refuses to budge from a target that would nearly double your money, even as half of Wall Street rates the digital bank a Hold.
Pagaya: The 5x P/E Is The Wrong Reason To Own This Stock
Pagaya Technologies looks undervalued on a GAAP basis, trading at 11.6x 2026 earnings, with a 12-month price target of $28. See why I rate PGY stock a Buy.
Upstart: Cyclicality Overshadows Growth - Hold
Upstart's growth is highly sensitive to macroeconomic cycles, funding constraints, and customer acquisition costs. Read why UPST stock is a Hold.
JFrog, Commerce, ZoomInfo, Upstart, and monday.com Shares Plummet, What You Need To Know
A number of stocks fell in the afternoon session after a deepening Treasury selloff and higher oil prices pushed the benchmark 10-year yield to 5.218%, reinforcing expectations of further Federal Reserve rate hikes.
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2026-4
NEW YORK, September 28, 2026--KBRA assigns preliminary ratings to five classes of notes issued by Upstart Securitization Trust 2026-4 ("UPST 2026-4"), a $400.0 million consumer loan ABS securitization collateralized by unsecured consumer loans and auto secured personal loans. UPST 2026-4 represents the 52nd ABS securitization collateralized by loans originated through the online platform operated by Upstart Network, Inc. ("Upstart" or the "Company"), a 100% owned subsidiary of the publicly trade
PayPal vs. Upstart: Which Fintech Stock Is Better to Consider?
PYPL's Venmo growth and cost savings face off against UPST's AI lending gains, rising originations and ongoing credit-market risks.
3 Niche Growth Stocks With an Edge Their Rivals Can’t Ignore
Upstart, Sezzle, and Intuitive Machines show strong growth in niche markets, with rising revenue and demand, though each faces distinct risks like valuation, short interest, or cash burn.
Upstart Lends Money It Doesn't Hold. What Does That Do to the Stock in a Downturn?
The supply chain of loans could be in a crunch during an economic calamity.
SoFi Is Bypassing the Banking Bottleneck With Stablecoin Settlement
SoFi Technologies is using its national bank charter to settle roughly $25 billion in annualized Mastercard transaction volume via its SoFiUSD stablecoin, cutting costs and drawing commercial deposits.
Upstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key Facts
Upstart Holdings, Inc. (UPST) reached $23.82 at the closing of the latest trading day, reflecting a -3.33% change compared to its last close.
3 Consumer Credit Stocks Facing The Next Rate Shock
Bond yields are jumping, oil has pushed above $100, and rate expectations keep resetting, yet consumer credit keeps quietly humming in the background of all that noise. This tug of war between tighter money and everyday borrowing is where short duration lenders can either feel real pressure or find breathing room. This article walks through three stocks from our Short-Duration Consumer Credit & Specialty Lenders screener that appear especially exposed to the latest macro shock and explains...
Upstart Expands Partnership With Commonwealth Credit Union
UPST expands its Commonwealth Credit Union partnership into HELOCs and indirect auto lending as secured originations surge.
Upstart Stock Reverses Higher After Hitting 52-Week Low
Upstart Holdings Inc. (NASDAQ: UPST) shares are trading higher Thursday, bouncing after touching a fresh 52-week low earlier in the session.
Pagaya Technologies: A High-Conviction Satellite Bet With 20%+ Projected IRR
Pagaya (PGY) uses an embedded B2B2C AI platform to help lenders grow loan origination with low CAC and ABS funding. See more details here.
Consumer Lending Stocks Slide While Financials Barely Budge: Upstart and Affirm Drop 4%, SoFi Eases
Upstart, Affirm, and SoFi are sliding in tandem on Wednesday while the broader financials sector sits nearly unchanged, and that gap between consumer lenders and everything else tells a story that goes beyond any single company's news.
Upstart Stock Just Returned to Profit and Hit a Record Quarter. Why Is the Stock Near Its Lows?
Key Stats for Upstart StockCurrent Price: $25. 97Target Price (Mid): ~$106Street Target: ~$40Potential Total Return: ~313%Annualized IRR: ~39% / yearWhat Happened?Upstart Holdings (UPST) gave investors a genuinely strong quarter, and the market spent one day cheering it before selling the stock right back down.
Commonwealth Credit Union Expands Partnership with Upstart into HELOC and Indirect Auto Lending
FRANKFORT, Ky. & BURLINGAME, Calif., September 23, 2026--Commonwealth Credit Union Expands Partnership with Upstart into HELOC and Indirect Auto Lending
BTIG Reiterates Buy on Upstart Holdings, Maintains $43 Price Target
BTIG analyst Andrew Harte reiterates Upstart Holdings (NASDAQ:UPST) with a Buy and maintains $43 price target.
1 Volatile Stock with Impressive Fundamentals and 2 That Underwhelm
Volatility cuts both ways - while it creates opportunities, it also increases risk, making sharp declines just as likely as big gains. This unpredictability can shake out even the most experienced investors.
Upstart Holdings (UPST) Nears Earnings, Is The Stock Trading At A Discount?
Why Upstart Holdings Stock Just Drew Fresh Attention Upstart Holdings (UPST) edged up to about $25 in the latest session after a 1.01% gain, as traders focused on the upcoming earnings report and its expected 15.38% year-over-year EPS increase. Recent trading tells a mixed story for Upstart Holdings. The 1-day share price return of 0.93% comes after the stock fell 17.49% over 30 days and declined 45.46% year to date, while the 1-year total shareholder return is down 63.18%. As a result,...
Upstart (UPST) Stock Looks About Right As Earnings Questions Persist
Upstart Holdings has seen its share price fall sharply in recent years, which puts a spotlight on whether the current US$25.00 level lines up with what the business actually earns. For anyone looking at the stock today, the real issue is how much of the story is reflected in the earnings power the company is producing right now. Over the past 5 years, Upstart Holdings has delivered a share price decline of 92.4%, which raises real questions about how durable its earnings model looks to the...
Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.
There has been an increase in the number of fintechs applying for bank charters.
Upstart Holdings, Inc. (UPST) Laps the Stock Market: Here's Why
Upstart Holdings, Inc. (UPST) closed the most recent trading day at $25.02, moving +1.01% from the previous trading session.
Here's How Affirm's AI Upgrade Could Strengthen Credit Underwriting
AFRM's new AI model uses 14 years of data to expand credit approvals, boost completed purchases and improve early loan performance.
Will Pagaya's $700M Neuberger Deal Help Accelerate Auto Growth?
PGY's $700M Neuberger forward flow deal adds funding capacity as its auto business scales and drives a growing share of network volume.
Upstart Just Returned to GAAP Profitability. The Stock Is Down 50% Anyway.
Key Stats for Upstart Stock52-Week Range: $23. 97 to $71.
Upstart Holdings, Inc. (UPST) Sees a More Significant Dip Than Broader Market: Some Facts to Know
Upstart Holdings, Inc. (UPST) reached $25.3 at the closing of the latest trading day, reflecting a -3.08% change compared to its last close.
Pagaya's AI Lending Flywheel Gains Speed: What's Next for PGY?
PGY's AI-driven lending platform is gaining scale as record network volume, Auto growth and expanded funding lift profits and outlook.
Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
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1 Value Stock with Impressive Fundamentals and 2 We Question
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Upstart's CEO Spoke at Goldman Sachs Conference This Week — Here's What to Know
Upstart Holdings Inc. had a busy week that included commentary at a major investor conference, a fresh analyst initiation and an insider stock purchase from its CEO. Don’t Miss: A single bad hire can set a startup back years. Here...
Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the Market
Upstart has been executing for years, but investors seem to be overlooking it.
Upstart CEO Paul Gu Buys 50,000 Shares for $1.3 Million. What Does This Mean for Investors Now?
Gu's purchase follows a 60% stock decline over 12 months and brings his total beneficial interest to 1.3 million shares worth $33.82 million.
Upstart Holdings, Inc. (UPST) Dips More Than Broader Market: What You Should Know
In the most recent trading session, Upstart Holdings, Inc. (UPST) closed at $25.93, indicating a -3.89% shift from the previous trading day.
Loop Capital Initiates Coverage On Upstart Holdings with Hold Rating, Announces Price Target of $34
Loop Capital analyst Reginald Smith initiates coverage on Upstart Holdings (NASDAQ:UPST) with a Hold rating and announces Price Target of $34.
Upstart Refocuses on Personal Loans as Consumer Stress Rises
Upstart (NASDAQ:UPST) CEO Paul Gu said the company is concentrating its efforts on expanding its core personal loan business, which he described as the company’s most differentiated and highest-margin product. Gu said the segment’s growth accelerated in the second quarter, with core personal loan gr
Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript
Upstart Holdings, Inc. (UPST) Goldman Sachs Communacopia + Technology Conference 2026 September 8, 2026 2:30 PM EDTCompany ParticipantsPaul Gu - CEO &...
Affirm: The Affirm Card Engine Is Kicking Off
Affirm Holdings sees surging BNPL and Affirm Card GMV (20% of total) despite macro headwinds. Click here to read more on AFRM stock.
Related Stocks (Peers)
Recent Insider Transactions
| Date | Name | Shares Changed | Price | Value |
|---|---|---|---|---|
| 2026-09-10 | Gu Paul | +50,000 | $25.55 | $1,277,500 |
| 2026-09-08 | Datta Sanjay | -300,000 | - | - |
| 2026-09-08 | Datta Sanjay | -116,000 | $27.2948 | $3,166,197 |
| 2026-09-08 | Datta Sanjay | +300,000 | $1.35 | $405,000 |
| 2026-08-25 | Mirgorodskaya Natalia | -913 | $30.03 | $27,417 |
| 2026-08-20 | Mirgorodskaya Natalia | -586 | $28.0899 | $16,461 |
| 2026-08-20 | Datta Sanjay | -8,945 | $28.0937 | $251,298 |
| 2026-08-20 | Darling Scott | -7,696 | $28.0946 | $216,216 |
| 2026-08-19 | Datta Sanjay | -10,000 | $31.4633 | $314,633 |
| 2026-08-19 | Blankmeyer Andrea | -3,000 | $29.33 | $87,990 |
| 2026-08-17 | Blankmeyer Andrea | -7,175 | $29.3583 | $210,646 |
| 2026-08-17 | Datta Sanjay | -2,033 | $29.3571 | $59,683 |
| 2026-08-17 | Darling Scott | -814 | $29.3588 | $23,898 |
| 2026-06-09 | Datta Sanjay | -15,000 | $30.4077 | $456,116 |
| 2026-05-29 | Bernard Peter J | +6,476 | - | - |
| 2026-05-29 | O'Kelly Ciaran | +6,476 | - | - |
| 2026-05-29 | Hentges Mary | +6,476 | - | - |
| 2026-05-29 | Cooper Kerry Whorton | +6,476 | - | - |
| 2026-05-29 | Terry Hilliard C. III | +6,476 | - | - |
| 2026-05-29 | Wennes Timothy H | +6,476 | - | - |
| 2026-05-26 | Mirgorodskaya Natalia | -974 | $28.99 | $28,236 |
| 2026-05-20 | Mirgorodskaya Natalia | -526 | $28.7719 | $15,134 |
| 2026-05-20 | Datta Sanjay | -7,985 | $28.7714 | $229,740 |
| 2026-05-20 | Darling Scott | -6,634 | $28.7778 | $190,912 |
| 2026-05-15 | Blankmeyer Andrea | -101 | $30.5403 | $3,085 |
| 2026-05-15 | Blankmeyer Andrea | -4,184 | $30.0471 | $125,717 |
| 2026-05-15 | Blankmeyer Andrea | -2,759 | $28.9602 | $79,901 |
| 2026-05-15 | Mirgorodskaya Natalia | -4,600 | - | - |
| 2026-05-15 | Mirgorodskaya Natalia | +4,600 | $1.35 | $6,210 |
| 2026-05-15 | Datta Sanjay | -1,011 | $30.0334 | $30,364 |
| 2026-05-15 | Datta Sanjay | -806 | $28.9619 | $23,343 |
| 2026-05-15 | Darling Scott | -441 | $29.9949 | $13,228 |
| 2026-05-15 | Darling Scott | -286 | $28.8396 | $8,248 |
| 2026-05-13 | Gu Paul | +50,000 | $27.5 | $1,375,000 |
| 2026-05-07 | Girouard Dave | -835,075 | - | - |
| 2026-05-07 | Girouard Dave | +835,075 | $0.83 | $693,112 |
| 2026-05-07 | Girouard Dave | +300 | $29.76 | $8,928 |
| 2026-05-07 | Girouard Dave | +169,940 | $29.3673 | $4,990,679 |
| 2026-03-31 | Blankmeyer Andrea | +148,006 | - | - |
| 2026-03-31 | Blankmeyer Andrea | +169,427 | - | - |
| 2026-03-02 | Mirgorodskaya Natalia | -390 | $26.02 | $10,148 |
| 2026-02-28 | Mirgorodskaya Natalia | +5,938 | - | - |
| 2026-02-28 | Mirgorodskaya Natalia | +9,375 | - | - |
| 2026-02-28 | Gu Paul | +912,702 | - | - |
| 2026-02-28 | Datta Sanjay | +185,008 | - | - |
| 2026-02-28 | Datta Sanjay | +61,670 | - | - |
| 2026-02-28 | Darling Scott | +74,003 | - | - |
| 2026-02-28 | Darling Scott | +24,668 | - | - |
| 2026-02-25 | Mirgorodskaya Natalia | -866 | $28.79 | $24,932 |
| 2026-02-20 | Mirgorodskaya Natalia | -633 | $29.8971 | $18,925 |
| 2026-02-20 | Datta Sanjay | -7,982 | $29.8641 | $238,375 |
| 2026-02-20 | Darling Scott | -390 | $30.25 | $11,798 |
| 2026-02-20 | Darling Scott | +6,638 | - | - |
| 2026-02-20 | Darling Scott | -6,638 | - | - |
| 2026-02-20 | Darling Scott | -6,478 | $29.854 | $193,394 |
| 2026-01-22 | Darling Scott | -7,564 | - | - |
| 2026-01-22 | Darling Scott | +7,564 | $13.22 | $99,996 |
| 2026-01-12 | Bernard Peter J | +834 | - | - |
| 2026-01-12 | O'Kelly Ciaran | +1,168 | - | - |
| 2026-01-12 | Cooper Kerry Whorton | +1,459 | - | - |
| 2026-01-05 | Darling Scott | -1,000 | - | - |
| 2026-01-05 | Darling Scott | -1,000 | $50 | $50,000 |
| 2026-01-05 | Darling Scott | +1,000 | - | - |
| 2026-01-05 | Darling Scott | -1,000 | - | - |
| 2026-01-05 | Darling Scott | +1,000 | $13.22 | $13,220 |
| 2025-12-12 | Cooper Kerry Whorton | -1,500 | $50 | $75,000 |
| 2025-12-12 | Darling Scott | -2,000 | - | - |
| 2025-12-12 | Darling Scott | -7,392 | $50 | $369,600 |
| 2025-12-12 | Darling Scott | +2,000 | - | - |
| 2025-12-12 | Darling Scott | -2,000 | - | - |
| 2025-12-12 | Darling Scott | +2,000 | $13.22 | $26,440 |
| 2025-11-25 | Mirgorodskaya Natalia | -762 | $38.91 | $29,649 |
| 2025-11-20 | Mirgorodskaya Natalia | -6,900 | - | - |
| 2025-11-20 | Mirgorodskaya Natalia | -80 | $36.95 | $2,956 |
| 2025-11-20 | Mirgorodskaya Natalia | -741 | $36.582 | $27,107 |
| 2025-11-20 | Mirgorodskaya Natalia | +6,900 | $35.58 | $245,502 |
| 2025-11-20 | Datta Sanjay | -1,000 | $36.992 | $36,992 |
| 2025-11-20 | Datta Sanjay | -12,624 | $36.544 | $461,331 |
| 2025-11-20 | Darling Scott | +5,392 | - | - |
| 2025-11-20 | Darling Scott | -5,392 | - | - |
| 2025-11-20 | Darling Scott | -400 | $37.025 | $14,810 |
| 2025-11-20 | Darling Scott | -7,323 | $36.552 | $267,670 |
| 2025-11-11 | Gu Paul | +80,000 | $39.23 | $3,138,400 |
| 2025-11-11 | Gu Paul | +20,000 | $39.22 | $784,400 |
| 2025-10-24 | Darling Scott | -1,000 | - | - |
| 2025-10-24 | Darling Scott | -1,000 | $55.0124 | $55,012 |
| 2025-10-24 | Darling Scott | +1,000 | $13.22 | $13,220 |