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    Upstart Holdings Inc (UPST)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $24.75
    +2.01 (+8.84%)

    Market Cap: $2.21B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    78%(18/23)
    Avg Surprise
    +62.79%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.65
    Range$0.45 - $0.88
    6 analysts
    EPS Revisions
    1
    0
    7d
    1
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.67-3.0%
    60d ago$0.67-2.3%
    30d ago$0.65+0.5%
    7d ago$0.64+1.3%
    Current$0.65
    Revenue Consensus
    $365M
    Range$339M - $382M
    13 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.67
    Range$0.41 - $0.87
    8 analysts
    Revenue Consensus
    $398M
    Range$377M - $438M
    15 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.67---
    Sep 26EST
    		-$0.65---
    Jun 26
    Reported Aug 4
    		$0.18$0.30-40.00%Miss-50.0%
    Mar 26
    Reported May 5
    		$0.30$0.43-30.23%Miss+0.0%
    Dec 25
    Reported Feb 10
    		$0.50$0.46+8.70%Beat+92.3%
    Sep 25
    Reported Nov 4
    		$0.52$0.42+23.81%Beat+966.7%
    Jun 25
    Reported Aug 5
    		$0.36$0.25+44.00%Beat+311.8%
    Mar 25
    Reported May 6
    		$0.30$0.17+76.47%Beat+196.8%
    Dec 24
    Reported Feb 11
    		$0.26$-0.04+750.00%Beat+336.4%
    Sep 24
    Reported Nov 7
    		$-0.06N/A+60.00%Beat-20.0%
    Jun 24
    Reported Aug 6
    		$-0.17N/A+56.41%Beat-383.3%
    Mar 24
    Reported May 7
    		$-0.31$-0.39+20.51%Beat+34.0%
    Dec 23
    Reported Feb 13
    		$-0.11$-0.14+21.43%Beat+56.0%
    Sep 23
    Reported Nov 7
    		$-0.05$-0.02-150.00%Miss+79.2%
    Jun 23
    Reported Aug 8
    		$0.06$-0.07+185.71%Beat+500.0%
    Mar 23
    Reported May 9
    		$-0.47$-0.81+41.98%Beat-177.0%
    Dec 22
    Reported Feb 14
    		$-0.25$-0.47+46.81%Beat-128.1%
    Sep 22
    Reported Nov 8
    		$-0.24$-0.08-200.00%Miss-140.0%
    Jun 22
    Reported Aug 8
    		$0.01N/A-87.50%Miss-98.4%
    Mar 22
    Reported May 9
    		$0.61$0.53+15.09%Beat+177.3%
    Dec 21
    Reported Feb 15
    		$0.89$0.51+74.51%Beat+1171.4%
    Sep 21
    Reported Nov 9
    		$0.60$0.33+81.82%Beat+766.7%
    Jun 21
    Reported Aug 10
    		$0.62$0.25+148.00%Beat-6.0%
    Mar 21
    Reported May 11
    		$0.22$0.15+46.67%Beat+1077.8%
    Dec 20
    Reported Mar 17
    		$0.07$0.02+250.00%Beat-
    Sep 20
    Reported Dec 16
    		$-0.09$0.00N/AMiss-
    Jun 20
    Reported Sep 30
    		$0.66$0.00N/ABeat-
    Jun 19
    Reported Sep 30
    		$-0.02$0.00N/AMiss-

    Key Metrics

    Valuation
    P/E Ratio16.50EV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin4.69%Operating Margin7.20%
    ROE7.94%ROICN/A
    Financial Health
    Debt/Equity2.55xInterest Coverage0.54x
    Current Ratio8.89xQuick Ratio8.89x
    Trading Statistics
    Beta2.43Avg Volume4.42M
    52-Week High$55.2252-Week Low$22.21

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$23.84
    SMA 20$24.00
    SMA 50$26.72
    SMA 200$31.20
    EMA 10$23.89
    EMA 20$24.31
    EMA 50$26.05
    EMA 200$32.18

    MACD

    Line: -0.74Signal: -0.97Hist: 0.22

    ADX

    ADX: 16.3+DI: 23.2-DI: 24.8

    Aroon & PSAR

    Aroon Up32.0
    Aroon Down96.0
    PSAR$22.21

    Bollinger Bands

    Upper Band$25.81
    Lower Band$22.18
    %B Position1514%(Upper)
    Band Width0.71

    RSI (14-Day)

    Neutral
    50.1

    Momentum Oscillators

    Stoch %K56.2
    Stoch %D44.5
    Williams %R-5.6
    ROC (10d)7.8%
    Momentum1.80
    CCI (20d)-7.1
    MFI (14d)53.9

    Volatility Measures

    ATR (14d)$1.16(4.7%)
    StdDev (20d)0.91
    Hist Vol53.8%(High)

    Volume Flow

    VWAP$23.92
    OBV-36.3M
    AD Line-119.0M
    CMF (20d)-0.029

    Volume Metrics

    Avg Vol (20d)4.5M
    Vol Ratio1.2x
    VWMA (20d)$24.05

    Pivot Points

    R3$24.46
    R2$23.91
    R1$23.32
    Pivot Point$22.77
    S1$22.18
    S2$21.63
    S3$21.04

    Advanced Oscillators

    TSI-19.19
    Ultimate Osc62.0
    KST-118.43

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$348.02M$333.12M$304.17M$285.90M$240.78M$226.04M$199.28M$167.59M$130.53M$138.07M$152.85M$146.75M
    Cost of Revenue$0$0$27.95M$8.79M$0$0$15.13M$0$0$0$14.07M$0
    Gross Profit$348.02M$333.12M$276.22M$277.11M$240.78M$226.04M$199.28M$167.59M$130.53M$138.07M$152.85M$146.75M
    Operating Expenses$350.07M$315.73M$257.06M$245.18M$252.75M$217.87M$223.71M$207.29M$183.12M$195.26M$187.81M$178.40M
    R&D$93.86M$80.11M$66.91M$64.03M$68.83M$57.84M$67.22M$64.89M$58.45M$63.09M$57.15M$54.94M
    SG&A$80.38M$76.07M$119.67M$110.57M$64.57M$60.56M$60.43M$59.87M$53.02M$57.61M$55.77M$53.51M
    Operating Income$14.64M$-7,518,000$19.16M$31.93M$4.54M$-4,496,000$-4,750,000$-45,152,000$-55,486,000$-67,468,000$-47,501,000$-43,845,000
    Interest Income$57.05M$0$60.84M$57.20M$45.62M$0$41.46M$40.84M$52.88M$51.17M$52.07M$37.69M
    Interest Expense$40.36M$24.91M$27.95M$8.79M$29.11M$12.67M$29.47M$12.93M$55.78M$61.45M$69.31M$49.89M
    Income Before Tax$17.15M$-6,562,000$19.16M$31.93M$5.66M$-2,418,000$-1,582,000$-6,713,000$-54,455,000$-64,584,000$-42,335,000$-40,305,000
    Income Tax Expense$614,000$84,000$526,000$124,000$49,000$29,000$111,000$45,000$15,000$14,000$63,000$10,000
    Net Income$16.54M$-6,646,000$18.64M$31.80M$5.61M$-2,447,000$-2,755,000$-6,758,000$-54,470,000$-64,598,000$-42,398,000$-40,315,000
    EBITDA$13.12M$-12,667,000$25.62M$38.06M$675,000$-4,370,000$9.75M$-34,684,000$-53,172,000$-61,491,000$-28,526,000$-35,371,000
    EBIT$17.15M$-6,562,000$19.16M$31.93M$5.66M$-2,418,000$5.05M$-40,074,000$-54,455,000$-64,584,000$-37,629,000$-40,305,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    UPST Rated Market Underperform by Citizens -- Price Target Lowered to $18

    Citizens has maintained a Market Underperform rating for Upstart Holdings (UPST), lowering its price target from $20.00 to $18.00 due to concerns about its performance in the credit services sector. Despite GuruFocus...

    GuruFocus•10/15/26•Bearish

    Upstart Holdings Inc (UPST) PT Lowered to $18 at Citizens

    Citizens analyst David Scharf has lowered the price target for Upstart Holdings Inc (NASDAQ: UPST) to $18.00 from $20.00. The analyst maintained their rating on the stock despite the reduced price target. The full...

    StreetInsider•10/15/26•Bearish

    Precision Trading with Upstart Holdings Inc. (UPST) Risk Zones

    This article analyzes Upstart Holdings Inc. (UPST), identifying weak sentiment across all horizons that supports a short bias. It details an exceptional 85.1:1 risk-reward short setup and provides three distinct...

    Stock Traders Daily•10/14/26•Bearish

    Upstart Holdings, Inc. (UPST) Options Chain - Yahoo Finance

    The article displays the options chain for Upstart Holdings, Inc. (UPST) on Yahoo Finance. It shows the real-time stock price and highlights that there are currently no calls or puts available for the specified April 16...

    Yahoo! Finance Canada•10/14/26•Neutral

    Upstart Holdings stock hits 52-week low at 22.54 USD By Investing.com

    Upstart Holdings (UPST) stock has dropped to a 52-week low of $22.54, currently trading at $22.52 with a market cap of $2.21 billion. Despite a significant year-long decline...

    Investing.com Canada•10/14/26•Somewhat-Bearish

    UPST Valuation and Fair Value

    P/E
    16.5x
    Forward P/E
    13.6x
    P/B
    3.0x
    See GNG's fair value

    UPST Profitability: Margins, ROIC and FCF

    Operating margin
    7.2%
    Net margin
    4.7%
    ROE
    7.9%

    UPST Competitors

    CompanyTicker
    LendingClub CorpLC
    Federal Agricultural Mortgage CorporationAGM
    WesBanco IncWSBCP
    OFG BancorpOFG
    Artisan Partners Asset Management IncAPAM
    Northwest Bancshares IncNWBI
    Bank of N.T. Butterfield & Son LtdNTB
    WaFd, Inc.WAFD

    Sector: Financial Services

    UPST Analyst Ratings

    Consensus
    Hold
    Analysts
    16
    Strong Buy
    2
    Buy
    6
    Hold
    7
    Sell
    0
    Strong Sell
    1

    UPST Bull Case vs Bear Case

    Bull case

    • UPST beat EPS estimates in 75.0% of its last 8 reported quarters.
    • UPST grew quarterly revenue 42.3% year over year.

    Bear case

    • UPST has a debt-to-equity ratio of 2.6x.

    UPST Earnings: Beat Rate and Next Report

    Beat rate
    6 of 8 quarters (75.0%)
    Average surprise
    111.6%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.65
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    1 up, 1 down

    Frequently Asked Questions About UPST

    Does UPST pay dividends?

    Upstart Holdings Inc (UPST) does not currently pay a regular dividend.

    What is UPST's P/E ratio?

    Upstart Holdings Inc has a price-to-earnings (P/E) ratio of 16.50.

    What is UPST's market cap?

    Upstart Holdings Inc (UPST) has a market capitalization of $2.21B with a current stock price of $24.75.

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