U

    Upstart Holdings Inc (UPST)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $28.68
    -0.40 (-1.38%)

    Market Cap: $2.83B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

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

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.64
    Range$0.45 - $0.88
    6 analysts
    EPS Revisions
    2
    0
    7d
    2
    3
    30d
    EPS Estimate Drift
    90d ago$0.67+3.8%
    60d ago$0.67+4.0%
    30d ago$0.71+9.4%
    7d ago$0.65+0.8%
    Current$0.64
    Revenue Consensus
    $363M
    Range$339M - $386M
    12 analysts
    Dec 31, 2026
    EPS Consensus$0.67
    Range$0.42 - $0.88
    8 analysts
    Revenue Consensus
    $399M
    Range$378M - $424M
    14 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.67---
    Sep 26EST
    		-$0.64---
    Jun 26
    		$0.18$0.30-40.00%Miss-50.0%
    Mar 26
    		$0.30$0.43-30.23%Miss+0.0%
    Dec 25
    		$0.50$0.46+8.70%Beat+92.3%
    Sep 25
    		$0.52$0.42+23.81%Beat+966.7%
    Jun 25
    		$0.36$0.25+44.00%Beat+311.8%
    Mar 25
    		$0.30$0.17+76.47%Beat+196.8%
    Dec 24
    		$0.26$-0.04+750.00%Beat+336.4%
    Sep 24
    		$-0.06N/A+60.00%Beat-20.0%
    Jun 24
    		$-0.17N/A+56.41%Beat-383.3%
    Mar 24
    		$-0.31$-0.39+20.51%Beat+34.0%
    Dec 23
    		$-0.11$-0.14+21.43%Beat+56.0%
    Sep 23
    		$-0.05$-0.02-150.00%Miss+79.2%
    Jun 23
    		$0.06$-0.07+185.71%Beat+500.0%
    Mar 23
    		$-0.47$-0.81+41.98%Beat-177.0%
    Dec 22
    		$-0.25$-0.47+46.81%Beat-128.1%
    Sep 22
    		$-0.24$-0.08-200.00%Miss-140.0%
    Jun 22
    		$0.01N/A-87.50%Miss-98.4%
    Mar 22
    		$0.61$0.53+15.09%Beat+177.3%
    Dec 21
    		$0.89$0.51+74.51%Beat+1171.4%
    Sep 21
    		$0.60$0.33+81.82%Beat+766.7%
    Jun 21
    		$0.62$0.25+148.00%Beat-6.0%
    Mar 21
    		$0.22$0.15+46.67%Beat+1077.8%
    Dec 20
    		$0.07$0.02+250.00%Beat-
    Sep 20
    		$-0.09$0.00N/AMiss-
    Jun 20
    		$0.66$0.00N/ABeat-
    Jun 19
    		$-0.02$0.00N/AMiss-

    Key Metrics

    Valuation
    P/E Ratio19.12EV/EBITDAN/A
    Price/FCF-9.08xFCF Yield-11.02%
    Profitability
    Profit Margin4.69%Operating Margin7.20%
    ROE7.94%ROIC2.13%
    Financial Health
    Debt/Equity2.55xInterest Coverage0.60x
    Current Ratio8.89xQuick Ratio8.89x
    Trading Statistics
    Beta2.17Avg Volume4.79M
    52-Week High$72.8552-Week Low$23.96

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$29.80
    SMA 20$29.98
    SMA 50$30.60
    SMA 200$34.25
    EMA 10$29.71
    EMA 20$29.78
    EMA 50$30.16
    EMA 200$35.65

    MACD

    Line: -0.11Signal: -0.07Hist: -0.04

    ADX

    ADX: 13.8+DI: 21.1-DI: 22.4

    Aroon & PSAR

    Aroon Up28.0
    Aroon Down12.0
    PSAR$31.96

    Bollinger Bands

    Upper Band$31.39
    Lower Band$28.58
    %B Position937%(Upper)
    Band Width0.04

    RSI (14-Day)

    Neutral
    44.3

    Momentum Oscillators

    Stoch %K38.3
    Stoch %D53.7
    Williams %R-81.1
    ROC (10d)-3.6%
    Momentum-1.07
    CCI (20d)-190.5
    MFI (14d)47.3

    Volatility Measures

    ATR (14d)$1.74(6.1%)
    StdDev (20d)0.70
    Hist Vol53.6%(High)

    Volume Flow

    VWAP$28.57
    OBV-62.1M
    AD Line-98.0M
    CMF (20d)-0.164

    Volume Metrics

    Avg Vol (20d)4.8M
    Vol Ratio0.8x
    VWMA (20d)$29.97

    Pivot Points

    R3$33.83
    R2$32.81
    R1$30.95
    Pivot Point$29.93
    S1$28.07
    S2$27.05
    S3$25.19

    Advanced Oscillators

    TSI-1.86
    Ultimate Osc42.5
    KST-6.08

    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

    Upstart (NASDAQ: UPST) officer plans 913-share Rule 144 sale

    Upstart Holdings, Inc. (NASDAQ: UPST) officer Natalia Mirgorodskaya has filed a Rule 144 notice to sell 913 shares of common stock through Charles Schwab, valued at $27,417.00. These shares are related to a Restricted Stock Lapse and equity compensation. The filing also discloses previous sales by Mirgorodskaya on May 26, 2026 (974 shares for $28,236.00) and August 20, 2026 (586 shares for $16,461.00).

    Stock Titan•8/25/26•
    Neutral

    Analysts Offer Insights on Financial Companies: Ionic Digital Inc. Class A (IOND) and Upstart Holdings (UPST)

    BTIG analysts have issued bullish sentiments for Ionic Digital Inc. Class A (IOND) and Upstart Holdings (UPST). Ionic Digital Inc. Class A received a Buy rating and an $85.00 price target from BTIG and Jefferies. Upstart Holdings also maintained a Buy rating from BTIG with a $43.00 price target.

    The Globe and Mail•8/25/26•
    Bullish

    Upstart Stock Rallies 7% After-Hours Today — Who Is The New CEO?

    Upstart's stock rallied nearly 7% after-hours following the announcement that co-founder and CTO Paul Gu will succeed Dave Girouard as CEO on May 1, 2026. The company also reported strong fourth-quarter revenue of $296 million, a 35% increase year-over-year, and provided an optimistic full-year 2026 revenue outlook of $1.4 billion, exceeding analyst expectations. Girouard will transition to Executive Chairman, ensuring a smooth leadership change.

    Stocktwits•8/22/26•
    Bullish

    Upstart Holdings’ chief accounting officer sells $16,460 in shares

    Upstart Holdings' Chief Accounting Officer, Natalia Mirgorodskaya, sold 586 shares of the company's common stock for $16,460 to cover tax withholding obligations. This transaction, occurring at a weighted average price of $28.0899 per share, leaves Mirgorodskaya with 36,788 beneficially owned shares. The sale follows a mixed Q2 2026 performance where Upstart exceeded revenue expectations but missed on adjusted EPS, though it returned to GAAP profitability.

    Investing.com•8/21/26•
    Neutral

    Upstart president Sanjay Datta sells $565k in company stock

    Sanjay Datta, President of Capital & Enterprise at Upstart Holdings, Inc., recently sold 18,945 shares of company common stock worth approximately $565,931. The sales occurred over two days, partly to cover tax withholding obligations. Following these transactions, Datta's direct beneficial ownership in Upstart stands at 292,578 shares.

    Investing.com•8/21/26•
    Somewhat-Bearish

    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 19.12.
    What is UPST's market cap?
    Upstart Holdings Inc (UPST) has a market capitalization of $2.83B with a current stock price of $28.68.

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