Symbols / UPST Stock $27.84 -2.96% Upstart Holdings, Inc.
UPST (Stock) Chart
Stock Fundamentals
|
|
|
|
|
|
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.
Ratings
Current target
$27.84
Low
$20.00
High
$80.00
Mean
$40.20
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-05-06 | main | Piper Sandler | Overweight → Overweight | $46 |
| 2026-05-06 | main | Needham | Buy → Buy | $37 |
| 2026-05-06 | reit | BTIG | Buy → Buy | $43 |
| 2026-04-09 | reit | BTIG | Buy → Buy | $43 |
| 2026-03-26 | main | Mizuho | Outperform → Outperform | $51 |
| 2026-03-16 | up | BTIG | Neutral → Buy | $43 |
| 2026-03-11 | reit | Needham | Buy → Buy | $40 |
| 2026-03-04 | main | Needham | Buy → Buy | $40 |
| 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 | — |
- symbol__ Stock Quote Price and Forecast - CNN ue, 12 May 2026 04
- Upstart Stock (UPST) Opinions on CEO's $5M Insider Purchase - Quiver Quantitative ue, 12 May 2026 17
- Why Is Upstart Stock Crashing, and is it a Buying Opportunity? - The Motley Fool Sun, 10 May 2026 00
- UPST stock craters overnight after big Q1 miss — retail bulls are far from shaken - MSN ue, 12 May 2026 14
- UPST Investor Alert: Upstart Holdings Securities Fraud Lawsuit - Investors With Losses May Seek to Lead the Class Action After Company Allegedly Misled on AI Growth: Levi & Korsinsky - Business Wire ue, 12 May 2026 20
- Why Upstart (UPST) Stock Is Up Today - Yahoo Finance Wed, 22 Apr 2026 07
- Upstart Bank Charter Application Targets a 26% Upside Gap in UPST Stock - TIKR.com hu, 23 Apr 2026 07
- SHAREHOLDER ALERT Bernstein Liebhard LLP Announces A - GlobeNewswire ue, 12 May 2026 14
- Upstart originated $3.4B in loans in Q1 as Paul Gu starts as CEO - Stock Titan ue, 05 May 2026 20
- Why Upstart (UPST) Stock Is Nosediving - StockStory Wed, 06 May 2026 17
- Upstart’s stock is getting punished after earnings. Here’s the big gripe. - MarketWatch ue, 05 May 2026 21
- Upstart stock slumps as Q1 loss widens, earnings fall short of expectations (UPST:NASDAQ) - Seeking Alpha ue, 05 May 2026 20
- INTR or UPST: Which Is the Better Value Stock Right Now? - Yahoo Finance ue, 21 Apr 2026 07
- Insider Purchase: Director at $UPST Buys 169,940 Shares - Quiver Quantitative Fri, 08 May 2026 13
- Upstart Holdings, Inc. (UPST) Beats Stock Market Upswing: What Investors Need to Know - Yahoo Finance Mon, 13 Apr 2026 07
Insider Transactions
Financials
Statement View
| Line Item | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Total Revenue |
|
1,023.99
+62.84%
|
628.83
+23.76%
|
508.12
-39.35%
|
837.76
|
| Operating Revenue |
|
1,023.99
+62.84%
|
628.83
+23.76%
|
508.12
-39.35%
|
837.76
|
| Selling General And Administration |
|
743.62
+33.81%
|
555.73
+13.43%
|
489.95
-31.86%
|
719.06
|
| Selling And Marketing Expense |
|
301.51
+80.76%
|
166.80
+31.19%
|
127.14
-63.23%
|
345.78
|
| General And Administrative Expense |
|
442.12
+13.67%
|
388.93
+7.20%
|
362.81
-2.81%
|
373.28
|
| Salaries And Wages |
|
188.38
+19.23%
|
158.00
+5.04%
|
150.42
-19.99%
|
187.99
|
| Other Gand A |
|
253.74
+9.88%
|
230.94
+8.73%
|
212.39
+14.62%
|
185.29
|
| Reconciled Depreciation |
|
24.84
+20.86%
|
20.55
-17.48%
|
24.90
+84.29%
|
13.51
|
| Total Unusual Items |
|
7.25
-75.00%
|
28.98
+295.82%
|
-14.80
|
0.00
|
| Total Unusual Items Excluding Goodwill |
|
7.25
-75.00%
|
28.98
+295.82%
|
-14.80
|
0.00
|
| Special Income Charges |
|
7.25
-75.00%
|
28.98
+295.82%
|
-14.80
|
0.00
|
| Other Special Charges |
|
—
|
—
|
-0.74
|
—
|
| Restructuring And Mergern Acquisition |
|
0.00
-100.00%
|
4.38
-71.79%
|
15.54
|
0.00
|
| Net Income |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Pretax Income |
|
54.33
+142.31%
|
-128.40
+46.51%
|
-240.03
-120.06%
|
-109.07
|
| Net Interest Income |
|
152.69
+10.46%
|
138.23
+6.83%
|
129.40
+43.69%
|
90.05
|
| Interest Expense |
|
51.54
+7.08%
|
48.13
+21.53%
|
39.60
+155.04%
|
15.53
|
| Interest Income |
|
204.23
+9.59%
|
186.36
+10.27%
|
169.00
+60.06%
|
105.58
|
| Other Non Operating Income Expenses |
|
24.32
+29.43%
|
18.79
-11.38%
|
21.21
+123.86%
|
9.47
|
| Gain On Sale Of Security |
|
-78.72
+45.66%
|
-144.87
+19.95%
|
-180.97
-13.42%
|
-159.56
|
| Tax Provision |
|
0.73
+293.51%
|
0.18
+72.90%
|
0.11
+126.16%
|
-0.41
|
| Tax Rate For Calcs |
|
0.00
-93.62%
|
0.00
+0.00%
|
0.00
+5500.00%
|
0.00
|
| Tax Effect Of Unusual Items |
|
0.10
-98.40%
|
6.09
+295.82%
|
-3.11
|
0.00
|
| Net Income Including Noncontrolling Interests |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Net Income From Continuing Operation Net Minority Interest |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Net Income From Continuing And Discontinued Operation |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Net Income Continuous Operations |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Minority Interests |
|
—
|
—
|
—
|
0.00
|
| Normalized Income |
|
46.45
+130.67%
|
-151.47
+33.69%
|
-228.44
-110.22%
|
-108.67
|
| Net Income Common Stockholders |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Diluted EPS |
|
0.45
+131.25%
|
-1.44
+49.83%
|
-2.87
-119.08%
|
-1.31
|
| Basic EPS |
|
0.56
+138.89%
|
-1.44
+49.83%
|
-2.87
-119.08%
|
-1.31
|
| Basic Average Shares |
|
96.03
+7.36%
|
89.45
+6.79%
|
83.77
+1.20%
|
82.77
|
| Diluted Average Shares |
|
107.49
+20.17%
|
89.45
+6.79%
|
83.77
+1.20%
|
82.77
|
| Diluted NI Availto Com Stockholders |
|
48.72
+137.89%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Average Dilution Earnings |
|
-4.88
|
0.00
|
0.00
|
—
|
| Other Non Interest Expense |
|
257.60
+3.34%
|
249.27
-5.79%
|
264.60
+11.53%
|
237.25
|
| Line Item | Trend | 2023-12-31 |
|---|---|---|
| Total Assets |
|
2,017.10
|
| Cash And Cash Equivalents |
|
377.32
|
| Cash Financial |
|
368.40
|
| Receivables |
|
55.34
|
| Accounts Receivable |
|
40.49
|
| Other Receivables |
|
—
|
| Prepaid Assets |
|
17.98
|
| Net PPE |
|
97.35
|
| Gross PPE |
|
134.80
|
| Accumulated Depreciation |
|
-37.45
|
| Machinery Furniture Equipment |
|
65.82
|
| Other Properties |
|
54.69
|
| Leases |
|
14.28
|
| Goodwill And Other Intangible Assets |
|
78.42
|
| Goodwill |
|
67.06
|
| Other Intangible Assets |
|
11.36
|
| Investments And Advances |
|
41.25
|
| Total Liabilities Net Minority Interest |
|
1,381.80
|
| Payables And Accrued Expenses |
|
265.87
|
| Payables |
|
207.61
|
| Accounts Payable |
|
12.61
|
| Other Payable |
|
195.00
|
| Current Accrued Expenses |
|
58.26
|
| Current Debt And Capital Lease Obligation |
|
387.43
|
| Current Debt |
|
387.43
|
| Long Term Debt And Capital Lease Obligation |
|
715.32
|
| Long Term Debt |
|
653.00
|
| Long Term Capital Lease Obligation |
|
62.32
|
| Stockholders Equity |
|
635.30
|
| Common Stock Equity |
|
635.30
|
| Capital Stock |
|
0.01
|
| Common Stock |
|
0.01
|
| Share Issued |
|
86.33
|
| Ordinary Shares Number |
|
86.33
|
| Treasury Shares Number |
|
0.00
|
| Additional Paid In Capital |
|
917.87
|
| Retained Earnings |
|
-282.58
|
| Total Equity Gross Minority Interest |
|
635.30
|
| Total Capitalization |
|
1,288.30
|
| Invested Capital |
|
1,675.73
|
| Total Debt |
|
1,102.75
|
| Net Debt |
|
663.10
|
| Capital Lease Obligations |
|
62.32
|
| Net Tangible Assets |
|
556.89
|
| Tangible Book Value |
|
556.89
|
| Available For Sale Securities |
|
41.25
|
| Cash Cash Equivalents And Federal Funds Sold |
|
476.71
|
| Line Of Credit |
|
387.43
|
| Notes Receivable |
|
14.85
|
| Line Item | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow |
|
-147.72
-179.28%
|
186.33
+266.80%
|
-111.71
+83.02%
|
-657.86
|
| Cash Flow From Continuing Operating Activities |
|
-147.72
-179.28%
|
186.33
+266.80%
|
-111.71
+83.02%
|
-657.86
|
| Net Income From Continuing Operations |
|
53.60
+141.69%
|
-128.58
+46.45%
|
-240.13
-120.98%
|
-108.67
|
| Depreciation Amortization Depletion |
|
24.84
+20.86%
|
20.55
-17.48%
|
24.90
+84.29%
|
13.51
|
| Depreciation And Amortization |
|
24.84
+20.86%
|
20.55
-17.48%
|
24.90
+84.29%
|
13.51
|
| Other Non Cash Items |
|
-370.59
-338.22%
|
155.57
+413.22%
|
-49.67
+92.65%
|
-675.80
|
| Stock Based Compensation |
|
131.95
-1.09%
|
133.40
-23.79%
|
175.04
+38.98%
|
125.94
|
| Operating Gains Losses |
|
-7.25
+78.28%
|
-33.36
|
—
|
—
|
| Unrealized Gain Loss On Investment Securities |
|
-6.92
-267.58%
|
4.13
+292.54%
|
-2.15
+72.54%
|
-7.81
|
| Change In Working Capital |
|
26.64
-23.06%
|
34.63
+275.68%
|
-19.71
-290.68%
|
-5.04
|
| Change In Payables And Accrued Expense |
|
39.56
-10.35%
|
44.12
+1215.37%
|
-3.96
+79.63%
|
-19.42
|
| Change In Accrued Expense |
|
39.56
-10.35%
|
44.12
+1215.37%
|
-3.96
+79.63%
|
-19.42
|
| Change In Payable |
|
—
|
—
|
-49.12
-893.65%
|
-4.94
|
| Change In Account Payable |
|
—
|
—
|
-6.13
-151.58%
|
11.88
|
| Change In Other Working Capital |
|
-2.08
-158.24%
|
-0.81
+88.17%
|
-6.82
-166.86%
|
10.20
|
| Change In Other Current Assets |
|
-10.83
-24.64%
|
-8.69
+2.71%
|
-8.93
-314.04%
|
4.17
|
| Change In Other Current Liabilities |
|
—
|
—
|
2.17
+106.94%
|
-31.30
|
| Investing Cash Flow |
|
-177.17
+25.47%
|
-237.73
-100.69%
|
-118.45
-3.79%
|
-114.12
|
| Cash Flow From Continuing Investing Activities |
|
-177.17
+25.47%
|
-237.73
-100.69%
|
-118.45
-3.79%
|
-114.12
|
| Net PPE Purchase And Sale |
|
-0.35
+58.54%
|
-0.84
+45.19%
|
-1.53
+82.70%
|
-8.82
|
| Purchase Of PPE |
|
-0.35
+58.54%
|
-0.84
+45.19%
|
-1.53
+82.70%
|
-8.82
|
| Capital Expenditure |
|
-18.41
-84.25%
|
-9.99
+17.34%
|
-12.09
+47.25%
|
-22.91
|
| Capital Expenditure Reported |
|
-18.06
-97.31%
|
-9.15
+13.32%
|
-10.56
+25.05%
|
-14.09
|
| Net Investment Purchase And Sale |
|
—
|
11.93
|
0.00
+100.00%
|
-6.25
|
| Purchase Of Investment |
|
—
|
0.00
|
0.00
+100.00%
|
-6.25
|
| Sale Of Investment |
|
—
|
11.93
|
—
|
0.00
|
| Net Business Purchase And Sale |
|
—
|
11.93
|
0.00
|
0.00
|
| Purchase Of Business |
|
—
|
—
|
0.00
|
0.00
|
| Net Other Investing Changes |
|
162.51
+425.64%
|
-49.91
+5.06%
|
-52.56
-880.34%
|
6.74
|
| Financing Cash Flow |
|
405.64
-27.55%
|
559.87
+238.32%
|
165.49
+46.18%
|
113.21
|
| Cash Flow From Continuing Financing Activities |
|
405.64
-27.55%
|
559.87
+238.32%
|
165.49
+46.18%
|
113.21
|
| Net Issuance Payments Of Debt |
|
390.64
-30.57%
|
562.66
+191.58%
|
192.97
-32.98%
|
287.92
|
| Issuance Of Debt |
|
972.49
-25.23%
|
1,300.72
+64.19%
|
792.23
+15.01%
|
688.81
|
| Repayment Of Debt |
|
-581.84
+21.17%
|
-738.06
-23.16%
|
-599.26
-49.48%
|
-400.90
|
| Long Term Debt Issuance |
|
972.49
-25.23%
|
1,300.72
+64.19%
|
792.23
+15.01%
|
688.81
|
| Long Term Debt Payments |
|
-581.84
+21.17%
|
-738.06
-23.16%
|
-599.26
-49.48%
|
-400.90
|
| Net Long Term Debt Issuance |
|
390.64
-30.57%
|
562.66
+191.58%
|
192.97
-32.98%
|
287.92
|
| Net Common Stock Issuance |
|
—
|
0.00
|
0.00
+100.00%
|
-177.88
|
| Common Stock Payments |
|
—
|
0.00
|
0.00
+100.00%
|
-177.88
|
| Repurchase Of Capital Stock |
|
—
|
0.00
|
0.00
+100.00%
|
-177.88
|
| Proceeds From Stock Option Exercised |
|
25.30
-12.99%
|
29.08
+36.53%
|
21.30
+6.40%
|
20.02
|
| Net Other Financing Charges |
|
-10.30
+67.67%
|
-31.86
+34.68%
|
-48.78
-189.73%
|
-16.84
|
| Changes In Cash |
|
80.75
-84.12%
|
508.48
+886.14%
|
-64.68
+90.18%
|
-658.77
|
| Beginning Cash Position |
|
976.26
+108.70%
|
467.79
-12.15%
|
532.47
-55.30%
|
1,191.24
|
| End Cash Position |
|
1,057.01
+8.27%
|
976.26
+108.70%
|
467.79
-12.15%
|
532.47
|
| Free Cash Flow |
|
-166.13
-194.21%
|
176.34
+242.44%
|
-123.80
+81.82%
|
-680.77
|
| Interest Paid Supplemental Data |
|
43.48
+0.84%
|
43.12
+17.98%
|
36.55
+193.01%
|
12.47
|
| Income Tax Paid Supplemental Data |
|
0.59
+128.68%
|
0.26
|
—
|
0.33
|
| Common Stock Issuance |
|
—
|
—
|
0.00
|
0.00
|
| Issuance Of Capital Stock |
|
—
|
—
|
0.00
|
0.00
|
| Net Preferred Stock Issuance |
|
—
|
—
|
—
|
—
|
| Preferred Stock Issuance |
|
—
|
—
|
—
|
—
|
| Preferred Stock Payments |
|
—
|
—
|
—
|
—
|
| Sale Of Business |
|
—
|
11.93
|
0.00
|
0.00
|
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
- 42026-05-08 View
- 42026-05-08 View
- 10-Q2026-05-05 View
- 8-K2026-05-05 View
- 42026-04-02 View
- 8-K2026-03-10 View
- 42026-03-03 View
- 42026-03-03 View
- 42026-03-03 View
- 42026-03-03 View
- 42026-02-27 View
- 42026-02-24 View
- 42026-02-24 View
- 42026-02-24 View
- 8-K2026-02-19 View
- 10-K2026-02-10 View
- 8-K2026-02-10 View
- 8-K2026-02-10 View
- 42026-01-23 View
- 42026-01-16 View
Trades
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|
Posts
| Published | Title | Author | Category |
|---|