NasdaqGS - Nasdaq Real Time Price USD

Upstart Holdings, Inc. (UPST)

27.44 +0.40 (+1.48%)
At close: July 31 at 4:00:00 PM EDT
27.12 -0.32 (-1.17%)
After hours: July 31 at 7:58:39 PM EDT
Trade UPST on Coinbase
Chart Range Bar
Loading chart for UPST

News headlines Upstart Holdings is preparing for its upcoming Q2 earnings report on August 4, with expectations for $0.58 EPS and $354.89 million in revenue. The company has recently secured a $4 billion loan agreement to enhance its funding capabilities, but faces challenges with its stock performance and market valuation.

Upstart Holdings is preparing for its upcoming Q2 earnings report on August 4, with expectations for $0.58 EPS and $354.89 million in revenue. The company has recently secured a $4 billion loan agreement to enhance its funding capabilities, but faces challenges with its stock performance and market valuation.

Updated 5m ago · Powered by Yahoo Scout
  • Previous Close 27.04
  • Open 26.84
  • Bid 19.73 x 200
  • Ask 33.53 x 200
  • Day's Range 26.20 - 27.69
  • 52 Week Range 23.97 - 85.31
  • Volume 3,314,125
  • Avg. Volume 4,477,238
  • Market Cap (intraday) 2.626B
  • Beta (5Y Monthly) 2.27
  • PE Ratio (TTM) 66.93
  • EPS (TTM) 0.41
  • Earnings Date Aug 4, 2026
  • Forward Dividend & Yield --
  • Ex-Dividend Date --
  • 1y Target Est 39.80

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 unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

www.upstart.com

1,405

Full Time Employees

December 31

Fiscal Year Ends

Performance Overview

Trailing total returns as of 7/31/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

UPST
37.25%
S&P 500 (^GSPC)
9.41%

1-Year Return

UPST
66.43%
S&P 500 (^GSPC)
18.15%

3-Year Return

UPST
60.05%
S&P 500 (^GSPC)
63.21%

5-Year Return

UPST
77.28%
S&P 500 (^GSPC)
70.40%

Earnings Trends

View More

Earnings Per Share

GAAP
Normalized
GAAP
Normalized
 

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q1 FY26
Revenue 308.21M
Earnings -6.65M

Q2

FY25

Q3

FY25

Q4

FY25

Q1

FY26

0
100M
200M
300M
 

Analyst Insights

View More

Top Analyst

Stephens & Co.
74/100
Latest Rating
Equal-Weight
 

Analyst Price Targets

20.00 Low
39.80 Average
27.44 Current
61.00 High
 

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell
 

Latest Rating

Date 7/22/2026
Analyst Citigroup
Rating Action Maintains
Rating Buy
Price Action Lowers
Price Target 80 -> 61
 

Statistics

View More

Valuation Measures

Annual
As of 7/31/2026
  • Market Cap

    2.63B

  • Enterprise Value

    --

  • Trailing P/E

    66.93

  • Forward P/E

    34.72

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    2.65

  • Price/Book (mrq)

    3.58

  • Enterprise Value/Revenue

    4.08

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    4.21%

  • Return on Assets (ttm)

    1.77%

  • Return on Equity (ttm)

    7.01%

  • Revenue (ttm)

    1.17B

  • Net Income Avi to Common (ttm)

    49.4M

  • Diluted EPS (ttm)

    0.41

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    474.66M

  • Total Debt/Equity (mrq)

    269.84%

  • Levered Free Cash Flow (ttm)

    -312.58M

Compare

Select to analyze similar companies using key performance metrics; select up to 4 stocks.

Company Insights

Fair Value

27.44 Current
 

Dividend Score

0 Low
Sector Avg.
100 High
 

Hiring Score

0 Low
Sector Avg.
100 High
 

Insider Sentiment Score

0 Low
Sector Avg.
100 High
 

People Also Watch