Symbols / UPST
UPST Chart
About
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.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 2.76B |
| Enterprise Value | 4.00B | Income | 53.60M | Sales | 1.08B |
| Book/sh | 8.15 | Cash/sh | 6.71 | Dividend Yield | — |
| Payout | 0.00% | Employees | 1405 | IPO | — |
| P/E | 62.53 | Forward P/E | 8.79 | PEG | — |
| P/S | 2.57 | P/B | 3.45 | P/C | — |
| EV/EBITDA | 40.34 | EV/Sales | 3.72 | Quick Ratio | 4.14 |
| Current Ratio | 13.10 | Debt/Eq | 237.46 | LT Debt/Eq | — |
| EPS (ttm) | 0.45 | EPS next Y | 3.20 | EPS Growth | — |
| Revenue Growth | 34.40% | Earnings | 2026-05-05 | ROA | 1.74% |
| ROE | 7.49% | ROIC | — | Gross Margin | 82.48% |
| Oper. Margin | 8.88% | Profit Margin | 4.98% | Shs Outstand | 98.06M |
| Shs Float | 80.76M | Short Float | 26.73% | Short Ratio | 5.89 |
| Short Interest | — | 52W High | 87.30 | 52W Low | 26.80 |
| Beta | 2.39 | Avg Volume | 4.91M | Volume | 4.23M |
| Target Price | $52.33 | Recom | Buy | Prev Close | $27.26 |
| Price | $28.14 | Change | 3.23% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$52.33
Mean price target
2. Current target
$28.14
Latest analyst target
3. DCF / Fair value
$-50.56
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$28.14
Low
$20.00
High
$80.00
Mean
$52.33
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-18 | reit | Citizens | Market Underperform → Market Underperform | $20 |
| 2026-02-17 | up | Compass Point | Sell → Neutral | $30 |
| 2026-02-13 | up | Goldman Sachs | Sell → Neutral | $35 |
| 2026-02-13 | down | Citizens | Market Perform → Market Underperform | $20 |
| 2026-02-11 | reit | Needham | Buy → Buy | $56 |
| 2026-02-11 | main | Truist Securities | Buy → Buy | $49 |
| 2026-01-06 | init | Truist Securities | — → Buy | $59 |
| 2025-11-05 | main | Citigroup | Buy → Buy | $80 |
| 2025-11-05 | main | JP Morgan | Overweight → Overweight | $65 |
| 2025-11-05 | main | Piper Sandler | Overweight → Overweight | $56 |
| 2025-11-05 | main | Stephens & Co. | Equal-Weight → Equal-Weight | $40 |
| 2025-11-05 | reit | BTIG | Neutral → Neutral | — |
| 2025-11-05 | main | Needham | Buy → Buy | $56 |
| 2025-11-05 | main | B of A Securities | Neutral → Neutral | $71 |
| 2025-10-13 | main | Goldman Sachs | Sell → Sell | $54 |
| 2025-08-20 | up | JP Morgan | Neutral → Overweight | $88 |
| 2025-08-06 | main | Needham | Buy → Buy | $82 |
| 2025-08-06 | main | Morgan Stanley | Equal-Weight → Equal-Weight | $70 |
| 2025-08-06 | main | Piper Sandler | Overweight → Overweight | $90 |
| 2025-08-06 | main | B of A Securities | Neutral → Neutral | $87 |
- Is It Time To Reconsider Upstart Holdings (UPST) After Its Recent Share Price Slide - simplywall.st ue, 24 Feb 2026 10
- Upstart Stock Is Down 63% Over the Past Year. Here’s What’s Driving the Move - TIKR.com Sun, 22 Feb 2026 08
- Top Upstart Insider Makes Notable Move With Fresh Stock Sale - TipRanks Wed, 25 Feb 2026 02
- Prediction: Upstart Stock Is Going to Double by the End of 2026 - The Motley Fool ue, 17 Feb 2026 22
- AI lender Upstart offloads $333M in auto assets in first big Bayview deal - Stock Titan Fri, 20 Feb 2026 13
- Upstart Holdings, Inc. (UPST) Stock Sinks As Market Gains: What You Should Know - Yahoo Finance Fri, 23 Jan 2026 08
- Upstart (UPST) Stock Trades Up, Here Is Why - Finviz ue, 17 Feb 2026 20
- Is Upstart Stock Your Ticket to Becoming a Millionaire? - The Motley Fool hu, 22 Jan 2026 08
- AI lender Upstart snaps up 3.2M shares in a $100 million buyback - Stock Titan hu, 19 Feb 2026 12
- Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now? - Yahoo Finance Wed, 04 Feb 2026 08
- How Upstart’s New Cash Line and Auto Funding Moves Could Impact Upstart Holdings (UPST) Investors - simplywall.st Mon, 23 Feb 2026 02
- Why Upstart Stock Is Down More Than 13% Today - The Motley Fool Wed, 11 Feb 2026 08
- Compass Point Upgrades Upstart (UPST) to Neutral, Ups PT to $30 Citing Ambitious 2028 Outlook - Yahoo Finance Fri, 20 Feb 2026 00
- Upstart Cash Line Launch Tests AI Lending Model And Leadership Transition - simplywall.st hu, 19 Feb 2026 04
- Hidden Lake Loads Up 316,000 Upstart Shares Worth $13.8 Million - The Motley Fool Wed, 18 Feb 2026 21
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 7564 | 99996 | — | Conversion of Exercise of derivative security at price 13.22 per share. | DARLING SCOTT L | Officer | — | 2026-01-22 00:00:00 | I |
| 1 | 1168 | — | — | Stock Award(Grant) at price 0.00 per share. | O'KELLY CIARAN | Director | — | 2026-01-12 00:00:00 | D |
| 2 | 834 | — | — | Stock Award(Grant) at price 0.00 per share. | BERNARD PETER | Director | — | 2026-01-12 00:00:00 | D |
| 3 | 1459 | — | — | Stock Award(Grant) at price 0.00 per share. | COOPER KERRY WHORTON | Director | — | 2026-01-12 00:00:00 | I |
| 4 | 1000 | 50000 | — | Sale at price 50.00 per share. | DARLING SCOTT L | Officer | — | 2026-01-05 00:00:00 | I |
| 5 | 1000 | 13220 | — | Conversion of Exercise of derivative security at price 13.22 per share. | DARLING SCOTT L | Officer | — | 2026-01-05 00:00:00 | D |
| 6 | 7392 | 369600 | — | Sale at price 50.00 per share. | DARLING SCOTT L | Officer | — | 2025-12-12 00:00:00 | I |
| 7 | 2000 | 26440 | — | Conversion of Exercise of derivative security at price 13.22 per share. | DARLING SCOTT L | Officer | — | 2025-12-12 00:00:00 | D |
| 8 | 1500 | 75000 | — | Sale at price 50.00 per share. | COOPER KERRY WHORTON | Director | — | 2025-12-12 00:00:00 | I |
| 9 | 762 | 29649 | — | Sale at price 38.91 per share. | MIRGORODSKAYA NATALIA | Officer | — | 2025-11-25 00:00:00 | D |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 97.10K | 6.09M | -3.11M | 0.00 |
| TaxRateForCalcs | 0.01 | 0.21 | 0.21 | 0.00 |
| TotalUnusualItems | 7.25M | 28.98M | -14.80M | 0.00 |
| TotalUnusualItemsExcludingGoodwill | 7.25M | 28.98M | -14.80M | 0.00 |
| NetIncomeFromContinuingOperationNetMinorityInterest | 53.60M | -128.58M | -240.13M | -108.67M |
| ReconciledDepreciation | 24.84M | 20.55M | 24.90M | 13.51M |
| NetInterestIncome | 152.69M | 138.23M | 129.40M | 90.05M |
| InterestExpense | 51.54M | 48.13M | 39.60M | 15.53M |
| InterestIncome | 204.23M | 186.36M | 169.00M | 105.58M |
| NormalizedIncome | 46.45M | -151.47M | -228.44M | -108.67M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 53.60M | -128.58M | -240.13M | -108.67M |
| DilutedAverageShares | 107.49M | 89.45M | 83.77M | 82.77M |
| BasicAverageShares | 96.03M | 89.45M | 83.77M | 82.77M |
| DilutedEPS | 0.45 | -1.44 | -2.87 | -1.31 |
| BasicEPS | 0.56 | -1.44 | -2.87 | -1.31 |
| DilutedNIAvailtoComStockholders | 53.60M | -128.58M | -240.13M | -108.67M |
| NetIncomeCommonStockholders | 53.60M | -128.58M | -240.13M | -108.67M |
| NetIncome | 53.60M | -128.58M | -240.13M | -108.67M |
| MinorityInterests | 0.00 | 0.00 | ||
| NetIncomeIncludingNoncontrollingInterests | 53.60M | -128.58M | -240.13M | -108.67M |
| NetIncomeContinuousOperations | 53.60M | -128.58M | -240.13M | -108.67M |
| TaxProvision | 728.00K | 185.00K | 107.00K | -409.00K |
| PretaxIncome | 54.33M | -128.40M | -240.03M | -109.07M |
| OtherNonOperatingIncomeExpenses | 24.32M | 18.79M | 21.21M | 9.47M |
| SpecialIncomeCharges | 7.25M | 28.98M | -14.80M | 0.00 |
| OtherSpecialCharges | -737.00K | |||
| RestructuringAndMergernAcquisition | 0.00 | 4.38M | 15.54M | 0.00 |
| GainOnSaleOfSecurity | -78.72M | -144.87M | -180.97M | -159.56M |
| SellingGeneralAndAdministration | 743.62M | 555.73M | 489.95M | 719.06M |
| SellingAndMarketingExpense | 301.51M | 166.80M | 127.14M | 345.78M |
| GeneralAndAdministrativeExpense | 442.12M | 388.93M | 362.81M | 373.28M |
| OtherGandA | 253.74M | 230.94M | 212.39M | 185.29M |
| SalariesAndWages | 188.38M | 158.00M | 150.42M | 187.99M |
| TotalRevenue | 1.02B | 628.83M | 508.12M | 837.76M |
| OperatingRevenue | 1.02B | 628.83M | 508.12M | 837.76M |
| OtherNonInterestExpense | 257.60M | 249.27M | 264.60M | 237.25M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| OrdinarySharesNumber | 98.03M | 93.47M | 86.33M | 81.26M |
| ShareIssued | 98.03M | 93.47M | 86.33M | 81.26M |
| NetDebt | 1.17B | 608.56M | 663.10M | 553.98M |
| TotalDebt | 1.85B | 1.45B | 1.10B | 1.09B |
| TangibleBookValue | 723.46M | 556.73M | 556.89M | 589.74M |
| InvestedCapital | 2.63B | 2.04B | 1.68B | 1.66B |
| NetTangibleAssets | 723.46M | 556.73M | 556.89M | 589.74M |
| CapitalLeaseObligations | 21.15M | 50.28M | 62.32M | 100.79M |
| CommonStockEquity | 798.82M | 633.22M | 635.30M | 672.43M |
| TotalCapitalization | 2.53B | 1.84B | 1.29B | 1.32B |
| TotalEquityGrossMinorityInterest | 798.82M | 633.22M | 635.30M | 672.43M |
| StockholdersEquity | 798.82M | 633.22M | 635.30M | 672.43M |
| RetainedEarnings | -357.56M | -411.16M | -282.58M | -42.44M |
| AdditionalPaidInCapital | 1.16B | 1.04B | 917.87M | 714.87M |
| CapitalStock | 10.00K | 9.00K | 9.00K | 8.00K |
| CommonStock | 10.00K | 9.00K | 9.00K | 8.00K |
| TotalLiabilitiesNetMinorityInterest | 2.18B | 1.73B | 1.38B | 1.26B |
| LongTermDebtAndCapitalLeaseObligation | 1.75B | 1.26B | 715.32M | 750.73M |
| LongTermCapitalLeaseObligation | 21.15M | 50.28M | 62.32M | 100.79M |
| LongTermDebt | 1.73B | 1.21B | 653.00M | 649.94M |
| CurrentDebtAndCapitalLeaseObligation | 97.33M | 195.60M | 387.43M | 336.45M |
| CurrentDebt | 97.33M | 195.60M | 387.43M | 336.45M |
| LineOfCredit | 97.33M | 195.60M | 387.43M | 336.45M |
| PayablesAndAccruedExpenses | 303.69M | 262.17M | 265.87M | 154.82M |
| CurrentAccruedExpenses | 117.51M | 102.30M | 58.26M | 45.33M |
| Payables | 186.18M | 159.88M | 207.61M | 109.49M |
| OtherPayable | 154.20M | 147.49M | 195.00M | 90.78M |
| AccountsPayable | 31.98M | 12.38M | 12.61M | 18.71M |
| TotalAssets | 2.97B | 2.37B | 2.02B | 1.94B |
| InvestmentsAndAdvances | 41.25M | 41.25M | 41.25M | 41.25M |
| AvailableForSaleSecurities | 41.25M | 41.25M | 41.25M | 41.25M |
| GoodwillAndOtherIntangibleAssets | 75.35M | 76.49M | 78.42M | 82.69M |
| OtherIntangibleAssets | 8.29M | 9.43M | 11.36M | 15.63M |
| Goodwill | 67.06M | 67.06M | 67.06M | 67.06M |
| NetPPE | 60.58M | 82.47M | 97.35M | 130.50M |
| AccumulatedDepreciation | -78.42M | -55.40M | -37.45M | -17.16M |
| GrossPPE | 139.00M | 137.87M | 134.80M | 147.66M |
| Leases | 15.52M | 15.07M | 14.28M | 13.07M |
| OtherProperties | 16.41M | 43.45M | 54.69M | 86.33M |
| MachineryFurnitureEquipment | 107.08M | 79.34M | 65.82M | 48.25M |
| PrepaidAssets | 39.66M | 28.83M | 17.98M | 16.74M |
| Receivables | 256.81M | 126.56M | 55.34M | 52.83M |
| OtherReceivables | 159.39M | 104.50M | 55.52M | |
| NotesReceivable | 97.42M | 22.05M | 14.85M | 6.18M |
| AccountsReceivable | 48.23M | 40.49M | 46.65M | 55.52M |
| CashAndCashEquivalents | 657.45M | 793.61M | 377.32M | 432.41M |
| CashFinancial | 652.39M | 788.42M | 368.40M | 422.41M |
| CashCashEquivalentsAndFederalFundsSold | 1.06B | 981.45M | 476.71M | 542.47M |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -166.13M | 176.34M | -123.80M | -680.77M |
| RepurchaseOfCapitalStock | 0.00 | 0.00 | -177.88M | 0.00 |
| RepaymentOfDebt | -581.84M | -738.06M | -599.26M | -400.90M |
| IssuanceOfDebt | 972.49M | 1.30B | 792.23M | 688.81M |
| IssuanceOfCapitalStock | 0.00 | 0.00 | 263.93M | |
| CapitalExpenditure | -18.41M | -9.99M | -12.09M | -22.91M |
| InterestPaidSupplementalData | 43.48M | 43.12M | 36.55M | 12.47M |
| IncomeTaxPaidSupplementalData | 590.00K | 258.00K | 328.00K | 2.30M |
| EndCashPosition | 1.06B | 976.26M | 467.79M | 532.47M |
| BeginningCashPosition | 976.26M | 467.79M | 532.47M | 1.19B |
| ChangesInCash | 80.75M | 508.48M | -64.68M | -658.77M |
| FinancingCashFlow | 405.64M | 559.87M | 165.49M | 113.21M |
| CashFlowFromContinuingFinancingActivities | 405.64M | 559.87M | 165.49M | 113.21M |
| NetOtherFinancingCharges | -10.30M | -31.86M | -48.78M | -16.84M |
| ProceedsFromStockOptionExercised | 25.30M | 29.08M | 21.30M | 20.02M |
| NetPreferredStockIssuance | 0.00 | |||
| PreferredStockPayments | 0.00 | |||
| PreferredStockIssuance | 0.00 | |||
| NetCommonStockIssuance | 0.00 | 0.00 | -177.88M | 263.93M |
| CommonStockPayments | 0.00 | 0.00 | -177.88M | 0.00 |
| CommonStockIssuance | 0.00 | 0.00 | 263.93M | |
| NetIssuancePaymentsOfDebt | 390.64M | 562.66M | 192.97M | 287.92M |
| NetLongTermDebtIssuance | 390.64M | 562.66M | 192.97M | 287.92M |
| LongTermDebtPayments | -581.84M | -738.06M | -599.26M | -400.90M |
| LongTermDebtIssuance | 972.49M | 1.30B | 792.23M | 688.81M |
| InvestingCashFlow | -177.17M | -237.73M | -118.45M | -114.12M |
| CashFlowFromContinuingInvestingActivities | -177.17M | -237.73M | -118.45M | -114.12M |
| NetOtherInvestingChanges | 162.51M | -49.91M | -52.56M | 6.74M |
| NetInvestmentPurchaseAndSale | 11.93M | 0.00 | -6.25M | -40.00M |
| SaleOfInvestment | 11.93M | 0.00 | ||
| PurchaseOfInvestment | 0.00 | 0.00 | -6.25M | -40.00M |
| NetBusinessPurchaseAndSale | 11.93M | 0.00 | 0.00 | -16.76M |
| SaleOfBusiness | 11.93M | 0.00 | 0.00 | |
| PurchaseOfBusiness | 0.00 | 0.00 | -16.76M | |
| NetPPEPurchaseAndSale | -347.00K | -837.00K | -1.53M | -8.82M |
| PurchaseOfPPE | -347.00K | -837.00K | -1.53M | -8.82M |
| CapitalExpenditureReported | -18.06M | -9.15M | -10.56M | -14.09M |
| OperatingCashFlow | -147.72M | 186.33M | -111.71M | -657.86M |
| CashFlowFromContinuingOperatingActivities | -147.72M | 186.33M | -111.71M | -657.86M |
| ChangeInWorkingCapital | 26.64M | 34.63M | -19.71M | -5.04M |
| ChangeInOtherWorkingCapital | -2.08M | -807.00K | -6.82M | 10.20M |
| ChangeInOtherCurrentLiabilities | 2.17M | -31.30M | 59.58M | |
| ChangeInOtherCurrentAssets | -10.83M | -8.69M | -8.93M | 4.17M |
| ChangeInPayablesAndAccruedExpense | 39.56M | 44.12M | -3.96M | -19.42M |
| ChangeInAccruedExpense | 39.56M | 44.12M | -3.96M | -19.42M |
| ChangeInPayable | -49.12M | -4.94M | 54.58M | |
| ChangeInAccountPayable | -6.13M | 11.88M | -7.51M | |
| OtherNonCashItems | -370.59M | 155.57M | -49.67M | -675.80M |
| StockBasedCompensation | 131.95M | 133.40M | 175.04M | 125.94M |
| UnrealizedGainLossOnInvestmentSecurities | -6.92M | 4.13M | -2.15M | -7.81M |
| DepreciationAmortizationDepletion | 24.84M | 20.55M | 24.90M | 13.51M |
| DepreciationAndAmortization | 24.84M | 20.55M | 24.90M | 13.51M |
| OperatingGainsLosses | -7.25M | -33.36M | ||
| NetIncomeFromContinuingOperations | 53.60M | -128.58M | -240.13M | -108.67M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for UPST
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|