UPST Stock Overview
Operates a cloud-based artificial intelligence (AI) lending platform in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 5/6 |
| Past Performance | 0/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
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Upstart Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$47.17 |
| 52 Week High | US$96.43 |
| 52 Week Low | US$20.60 |
| Beta | 2.39 |
| 1 Month Change | -1.32% |
| 3 Month Change | -29.25% |
| 1 Year Change | 90.82% |
| 3 Year Change | -2.82% |
| 5 Year Change | n/a |
| Change since IPO | 60.06% |
Recent News & Updates
Recent updates
Upstart Holdings: Shares Aren't Cheap, But They Are Cheap Enough (Upgrade)
May 30Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 44% Share Price Bounce
May 04
Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties
Apr 30Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)
Mar 28
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Improvements in underwriting, automation, and personalization enhance loan approval rates, lower costs, and reduce default risks, positively impacting revenue and net margins.Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 31% But Getting In Cheap Might Be Difficult Regardless
Mar 11Upstart: You Have Seen Nothing Yet
Feb 25Upstart: Strong Buy Rating Ahead Of Projected $1 Billion Revenue In 2025
Feb 19Analyst Forecasts For Upstart Holdings, Inc. (NASDAQ:UPST) Are Surging Higher
Feb 14Upstart Holdings' Surge Offers A Prime Opportunity To Cash Out (Downgrade)
Feb 12Upstart Holdings, Inc.'s (NASDAQ:UPST) Stock Retreats 26% But Revenues Haven't Escaped The Attention Of Investors
Jan 11Upstart: Fade The Meme Rally
Jan 05Upstart: Poised For Another Breakout
Dec 05Rainbows and Unicorns: Upstart Holdings, Inc. (NASDAQ:UPST) Analysts Just Became A Lot More Optimistic
Nov 12Upstart: This Is The Perfect Time To Sell (Rating Downgrade)
Nov 10Upstart: Sell Strength (Rating Downgrade)
Oct 26Upstart Holdings, Inc. - Start Of Profit Taking And A Pullback
Oct 17Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 28% Share Price Bounce
Oct 11Things Are Looking Up For Upstart As We Enter An Easing Cycle
Sep 24Why I Sold Upstart (Ratings Downgrade)
Sep 12Upstart Can Move Higher On Short Interest, Efficiency Gains
Aug 22Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 32%
Aug 18Upstart Q2 Earnings: A Lofty Price Of 50x EBITDA For This Fintech
Aug 07Navigating Uncertainty: Understanding The Risks And Rewards Of Investing In Upstart Holdings
Jul 25Upstart: Turning A Corner With Growth And Profitability To Return
Jul 12Upstart Holdings, Inc.'s (NASDAQ:UPST) Shareholders Might Be Looking For Exit
Jun 13Upstart: Buy Weakness (Rating Upgrade)
Jun 12Upstart: A Great Anti-Cyclical AI Lending Bet
May 24Upstart: The Bonds With The 13% YTM Remain The Best Play
May 08Upstart: A Coiled Spring Waiting For Lower Interest Rates (Rating Upgrade)
Apr 23Upstart Holdings: Lower Volumes Likely To Persist
Apr 05Upstart Holdings: Still Too Risky
Mar 24Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 25% But Getting In Cheap Might Be Difficult Regardless
Mar 13Upstart Holdings: A No-Brainer Buy Before The Fed Shift Kicks Off
Mar 12Upstart: An Uphill Battle
Mar 05Upstart: I Warned About Its Overhype In December - What's Next (Upgrade)
Feb 22Upstart Q4: Struggles With Debt And Profitability Challenges (Downgrade)
Feb 14Shareholder Returns
| UPST | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 4.2% | 2.2% | 1.7% |
| 1Y | 90.8% | 22.4% | 11.5% |
Return vs Industry: UPST exceeded the US Consumer Finance industry which returned 22.4% over the past year.
Return vs Market: UPST exceeded the US Market which returned 11.5% over the past year.
Price Volatility
| UPST volatility | |
|---|---|
| UPST Average Weekly Movement | 13.7% |
| Consumer Finance Industry Average Movement | 8.8% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 17.2% |
| 10% least volatile stocks in US Market | 4.1% |
Stable Share Price: UPST's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: UPST's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2012 | 1,193 | Dave Girouard | www.upstart.com |
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 includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans.
Upstart Holdings, Inc. Fundamentals Summary
| UPST fundamental statistics | |
|---|---|
| Market cap | US$4.44b |
| Earnings (TTM) | -US$66.43m |
| Revenue (TTM) | US$758.84m |
Is UPST overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UPST income statement (TTM) | |
|---|---|
| Revenue | US$758.84m |
| Cost of Revenue | US$159.09m |
| Gross Profit | US$599.76m |
| Other Expenses | US$666.19m |
| Earnings | -US$66.43m |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.70 |
| Gross Margin | 79.04% |
| Net Profit Margin | -8.75% |
| Debt/Equity Ratio | 208.5% |
How did UPST perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/30 04:55 |
| End of Day Share Price | 2025/05/30 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Upstart Holdings, Inc. is covered by 20 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ishan Majumdar | Baptista Research |
| Ramsey El-Assal | Barclays |
| Mihir Bhatia | BofA Global Research |