Upstart Holdings, Inc. (UPST)
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- symbol UPST
- Rev/Share 8.9095
- Book/Share 7.5582
- PB 8.6396
- Debt/Equity 2.0392
- CurrentRatio 2.1667
- ROIC -0.0209
- MktCap 6283015810.0
- FreeCF/Share -0.746
- PFCF -88.1678
- PE -981.8781
- Debt/Assets 0.5942
- DivYield 0
- ROE -0.0097
- Rating D+
- Score 1
- Recommendation Strong Sell
- P/E Score 1
- DCF Score 1
- P/B Score 1
- D/E Score 1
Recent Analyst Ratings
| Type | Ticker | Analyst Firm | Previous Rating | Current Rating | Previous Price Target | Current Price Target | Date |
|---|---|---|---|---|---|---|---|
| Resumed | UPST | Goldman | -- | Sell | -- | $71 | July 14, 2025 |
| Resumed | UPST | Piper Sandler | -- | Overweight | -- | $75 | June 24, 2025 |
| Initiation | UPST | Stephens | -- | Equal Weight | -- | $55 | June 12, 2025 |
| Upgrade | UPST | BofA Securities | Underperform | Neutral | -- | $53 | April 29, 2025 |
| Upgrade | UPST | Morgan Stanley | Underweight | Equal Weight | $12 | $70 | Feb. 14, 2025 |
| Upgrade | UPST | JP Morgan | Underweight | Neutral | $57 | $79 | Feb. 12, 2025 |
| Upgrade | UPST | B. Riley Securities | Neutral | Buy | $49 | $105 | Feb. 12, 2025 |
| Upgrade | UPST | Needham | Hold | Buy | -- | $100 | Dec. 13, 2024 |
| Upgrade | UPST | Redburn Atlantic | Neutral | Buy | $37 | $95 | Dec. 3, 2024 |
| Upgrade | UPST | Wedbush | Underperform | Neutral | $10 | $45 | Oct. 14, 2024 |
News
Upstart: GAAP Inflection Point
Published: August 18, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart delivered a strong Q2, beating earnings and revenue estimates, driven by robust demand for personal loans and improved conversion rates. The Fintech achieved GAAP profitability in Q2'25, signaling an inflection point and validating its AI-driven lending platform's scalability. Upstart's shares dropped 19%, following the earnings report, highlighting an engagement opportunity for investors.
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Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Published: August 14, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
Read More
Why Is Upstart Stock Trading Lower On Monday?
Published: August 11, 2025 by: Benzinga
Sentiment: Negative
Upstart Holdings Inc. UPST stock is trading lower on Monday.
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Upstart Announces Proposed Private Offering of $500,000,000 of Convertible Senior Notes Due 2032
Published: August 11, 2025 by: Business Wire
Sentiment: Neutral
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Announces Proposed Private Offering of $500,000,000 of Convertible Senior Notes Due 2032.
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3 Growth Stocks to Invest $1,000 in Right Now
Published: August 10, 2025 by: The Motley Fool
Sentiment: Positive
Got some idle cash you're ready to put to work for a while? Although the market's rally to record highs -- and steep valuations -- might make it feel like there's not much worth stepping into at this time, worthy opportunities are out there.
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Why Upstart Stock Soared 26% in July
Published: August 07, 2025 by: The Motley Fool
Sentiment: Positive
Upstart Holdings (UPST 3.89%) stock jumped 26% in July, according to data provided by S&P Global Market Intelligence. The market is getting excited about it again as interest rates come down, and many financial stocks have been reporting robust growth.
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Upstart's stock takes a mysterious dive after earnings. What's behind the move.
Published: August 06, 2025 by: Market Watch
Sentiment: Negative
Analysts noted high expectations for the AI lender, as well as a sharp increase in the amount of loans held on the company's balance sheet.
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Upstart: Hitting A Wall
Published: August 06, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart reported a strong Q2 due to a big boost in loan conversions, but questions remain about sustainability and lack of consistent volume growth. The AI lending platforms expansion into auto and home loans is promising, but funding partners are lacking. The stock trades at 35x 2026 EPS targets, making Upstart expensive for uncertain funding growth.
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Upstart Q2 Preview: Anticipating Strong Consumer Loan Growth, Initiate With Buy
Published: August 04, 2025 by: Seeking Alpha
Sentiment: Positive
I initiate a Buy rating on Upstart Holdings, Inc. with a fair value of $118, citing its differentiated AI-driven loan origination platform. Upstart's AI models leverage 2,500+ variables, enabling automated, accurate, and scalable loan underwriting, reducing default risks for financial partners. Recent partnerships, robust funding supply, and strong transaction/revenue growth support my bullish outlook, with 60% revenue growth expected in FY25.
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Upstart: Everyone Gave Up. I Didn't. And I'm Still Super Bullish
Published: August 04, 2025 by: Seeking Alpha
Sentiment: Positive
The risks are real—especially the debt and funding dependence, yet I see a path to $100 per share by summer 2026. Upstart's AI-driven lending platform is rebounding, with expected 60% y/y revenue growth and a path to $1B in 2025 revenues. Valuation is attractive at 7x forward sales, but a $735M net debt overhang and potential dilution remain key risks.
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Gear Up for Upstart (UPST) Q2 Earnings: Wall Street Estimates for Key Metrics
Published: August 04, 2025 by: Zacks Investment Research
Sentiment: Positive
Besides Wall Street's top-and-bottom-line estimates for Upstart (UPST), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended June 2025.
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StoneCo vs. Upstart: Which Fintech Stock Has More Upside This Year?
Published: July 29, 2025 by: Zacks Investment Research
Sentiment: Positive
As the global fintech market accelerates toward a projected $1.12 trillion by 2032, per the Fortune Business Insights report, investors are eyeing disruptors that can scale profitably while navigating evolving regulatory, competitive and macroeconomic environments. Two such players — StoneCo STNE and Upstart UPST — are carving distinct paths within this booming sector.
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Upstart Holdings, Inc. (UPST) Reports Next Week: Wall Street Expects Earnings Growth
Published: July 29, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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Forget NVDA: These 3 AI Stocks Have 5x Potential
Published: July 24, 2025 by: 24/7 Wall Street
Sentiment: Positive
These AI stocks have multibagger upside potential over the coming years. The risk-reward ratio is more favorable compared to the popular big-cap alternatives.
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China's New Investment Playbook: VCs Chase Crypto As A Travel Upstart Eyes New York
Published: July 24, 2025 by: Benzinga
Sentiment: Positive
Two recent shifts by smaller venture capital firms and a major IPO plan from a Hong Kong travel upstart signal telling trends for the future. China Renaissance (1911.HK) is making a significant foray into cryptocurrency, while Tian Tu Capital (1973.HK) is pivoting from its consumer goods comfort zone into technology, funded by an unusual bond issue.
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Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?
Published: July 23, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
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Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Published: July 09, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Read More
Upstart: An AI Fintech Gem
Published: July 04, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart's strong Q1 results, with 67% YoY revenue growth and segment-wide strength, signal robust business momentum and healthy financials. AI-driven automation is fueling efficiency and loan growth, with 75% of loans approved automatically and significant cost savings realized. 2025 guidance projects 59% revenue growth and a leap in adjusted EBITDA margin, underscoring a bright long-term outlook despite a high P/S ratio.
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Is Upstart Too Expensive Now? A Wait-and-See Approach May Help
Published: June 30, 2025 by: Zacks Investment Research
Sentiment: Neutral
UPST surges on AI lending gains and product expansion, but steep valuation raises questions about sustainability.
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Upstart Stock Appreciates 40% QTD: Should You Take the Bait?
Published: June 27, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart Holdings, Inc. UPST has delivered a strong gain of 40.1% so far in the quarter, significantly outperforming the Zacks Financial – Miscellaneous Services industry's 18.7% appreciation. In contrast to peers, such as LendingClub LC and Enova International ENVA, UPST has clearly emerged as one of the standout performers.
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Fintech Stock Breaking Above Key Resistance Levels
Published: June 27, 2025 by: Schaeffers Research
Sentiment: Positive
Subscribers to Schaeffer's Weekend Trader options recommendation service received this UPST commentary on Sunday night, along with a detailed options trade recommendation -- including complete entry and exit parameters.
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Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Published: June 26, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
Read More
Here's Why Upstart Holdings, Inc. (UPST) Fell More Than Broader Market
Published: June 20, 2025 by: Zacks Investment Research
Sentiment: Negative
In the most recent trading session, Upstart Holdings, Inc. (UPST) closed at $58.01, indicating a -1.81% shift from the previous trading day.
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3 Growth Stocks Too Small for Institutions to Buy
Published: June 19, 2025 by: MarketBeat
Sentiment: Positive
Most retail investors fall to the default belief that they do not have any competitive advantage compared to the world of hedge funds and investment banks, otherwise known as the smart money institutional players on Wall Street. While this is mostly true across the board, access to information, leverage of connections, and industry insights are not the only factors that can help retail investors get ahead every single time.
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Block vs. Upstart: Which Fintech Stock Has More Upside in 2025?
Published: June 13, 2025 by: Zacks Investment Research
Sentiment: Positive
The fintech sector is evolving fast, driven by innovation in digital payments, credit underwriting, and user experience. Two major players — Block, Inc. XYZ and Upstart Holdings UPST — stand out for their disruptive business models and strategic growth initiatives.
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Upstart Stock's Bull Case Just Got a Lot Stronger
Published: June 13, 2025 by: MarketBeat
Sentiment: Neutral
The stock market has probably shaken out some investors with its recent swings in the S&P 500 index. This new volatility period has been born of President Trump's implemented trade tariffs on most of the United States' trading partners.
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Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know
Published: June 11, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.
Read More
Upstart: Inflection Point In Sight
Published: June 03, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart delivered double-digit revenue growth and beat both top and bottom line estimates for Q1'25, driven by strong AI-powered credit platform performance. Key platform metrics like automations and EBITDA margins are improving, with personal loans seeing especially significant growth in originations. Upstart is set to achieve a GAAP profitability inflection point in FY 2025.
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Upstart CFO to Participate in Fireside Chat at the Morgan Stanley US Financials Conference
Published: May 30, 2025 by: Business Wire
Sentiment: Neutral
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart CFO to Participate in Fireside Chat at the Morgan Stanley US Financials Conference.
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Upstart Holdings: Firing On All Cylinders
Published: May 28, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart Holdings is nearing break-even profitability, driven by surging personal loan originations and rapid sales growth fueled by AI adoption in banking. Easing inflation and the likelihood of lower interest rates provide a favorable macro backdrop, potentially boosting credit demand and Upstart's lending operations. The company's accelerating adjusted EBITDA and strong transaction volumes support a moderate valuation, with significant upside if profitability is reached in 2025.
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About Upstart Holdings, Inc. (UPST)
- IPO Date 2020-12-16
- Website https://www.upstart.com
- Industry Financial - Credit Services
- CEO David J. Girouard
- Employees 1193