Upstart Holdings, Inc. (UPST)
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- symbol UPST
- Rev/Share 7.6524
- Book/Share 7.1774
- PB 10.2754
- Debt/Equity 2.0423
- CurrentRatio 4.0617
- ROIC -0.0485
- MktCap 7016936375.0
- FreeCF/Share 1.1225
- PFCF 66.3082
- PE -104.6628
- Debt/Assets 0.6018
- DivYield 0
- ROE -0.1063
- 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 | 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 | B. Riley Securities | Neutral | Buy | $49 | $105 | Feb. 12, 2025 |
| Upgrade | UPST | JP Morgan | Underweight | Neutral | $57 | $79 | 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: 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.
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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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Pagaya Vs. Upstart: Why Pagaya's Strategy Offers A Safer Bet
Published: May 28, 2025 by: Seeking Alpha
Sentiment: Negative
The company leverages advanced AI to assess creditworthiness, similar to Upstart. Current macro uncertainty and declining consumer sentiment could threaten Pagaya's loan performance, funding costs, and overall business outlook. Recent earnings show a few credit-related losses and portfolio write-downs, highlighting the company's exposure to credit risk.
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Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Published: May 28, 2025 by: Zacks Investment Research
Sentiment: Positive
Zacks.com users have recently been watching Upstart (UPST) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
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Upstart Stock Tanks 32% in 3 Months: Time to Hold or Book Loss?
Published: May 27, 2025 by: Zacks Investment Research
Sentiment: Neutral
UPST plunges 32% in three months, but AI-driven lending growth and soaring revenues make the stock worth holding onto.
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Upstart Holdings, Inc. (UPST) Barclays 15th Annual Emerging Payments and FinTech Forum (Transcript)
Published: May 19, 2025 by: Seeking Alpha
Sentiment: Neutral
Upstart Holdings, Inc. (NASDAQ:UPST ) Barclays 15th Annual Emerging Payments and FinTech Forum Conference Call May 19, 2025 10:20 AM ET Company Participants Dave Girouard - Co-Founder and Chief Executive Officer Conference Call Participants Ramsey El-Assal - Barclays Capital, Inc. Ramsey El-Assal All right, all ready. Welcome back.
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Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural 'AI Day'
Published: May 14, 2025 by: Business Wire
Sentiment: Neutral
NEW YORK--(BUSINESS WIRE)--Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural “AI Day”.
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Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Published: May 14, 2025 by: Zacks Investment Research
Sentiment: Positive
Zacks.com users have recently been watching Upstart (UPST) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Read More
UPST vs. AFRM: Which AI-Powered Fintech Stock Offers Better Growth?
Published: May 13, 2025 by: Zacks Investment Research
Sentiment: Neutral
Which AI-powered fintech stock, Upstart Holdings or Affirm Holdings, offers the better investment opportunity at present? Let's find out.
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Upstart Stock Falls on Forecast Despite Earnings Beat
Published: May 07, 2025 by: Schaeffers Research
Sentiment: Negative
Artificial intelligence (AI) lending stock Upstart Holdings Inc (NASDAQ:UPST) was last seen down 11.9% at $45.27, brushing off upbeat first-quarter results as well as a strong full-year forecast, after the company's second-quarter outlook spooked investors.
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Upstart Holdings, Inc. (UPST) Q1 2025 Earnings Call Transcript
Published: May 06, 2025 by: Seeking Alpha
Sentiment: Neutral
Upstart Holdings, Inc. (NASDAQ:UPST ) Q1 2025 Earnings Conference Call May 6, 2025 4:30 PM ET Company Participants Sonya Banerjee - Investor Relations Dave Girouard - Co Founder and Chief Executive Officer Sanjay Datta - Chief Financial Officer Conference Call Participants Operator Good afternoon and welcome to the Upstart first quarter 2025 earnings call. At this time, all participants are in listen-only mode to prevent any background noise.
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Upstart (UPST) Reports Q1 Earnings: What Key Metrics Have to Say
Published: May 06, 2025 by: Zacks Investment Research
Sentiment: Neutral
While the top- and bottom-line numbers for Upstart (UPST) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
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Upstart Personal Loan Originations Grow 83% Year Over Year
Published: May 06, 2025 by: PYMNTS
Sentiment: Positive
Lending platform Upstart Holdings' first quarter results saw loan originations nearly double from a year ago, driven in part by automated processes, while management pointed to strong credit metrics among the lending platform's borrowers. Platform originations were up 89%, the company said, to $2.1 billion.
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Upstart Holdings, Inc. (UPST) Q1 Earnings and Revenues Surpass Estimates
Published: May 06, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart Holdings, Inc. (UPST) came out with quarterly earnings of $0.30 per share, beating the Zacks Consensus Estimate of $0.19 per share. This compares to loss of $0.31 per share a year ago.
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Upstart tumbles on second-quarter outlook, even as its full-year forecast gets more upbeat
Published: May 06, 2025 by: Market Watch
Sentiment: Negative
Shares of Upstart Holdings Inc. tumbled after hours on Tuesday after the artificial-intelligence lending platform forecast a second-quarter loss and sales that missed Wall Street's expectations.
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Stay Ahead of the Game With Upstart (UPST) Q1 Earnings: Wall Street's Insights on Key Metrics
Published: May 01, 2025 by: Zacks Investment Research
Sentiment: Neutral
Evaluate the expected performance of Upstart (UPST) for the quarter ended March 2025, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
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Upstart Holdings to Report Q1 Earnings: How to Play the Stock?
Published: May 01, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's Q1 results are likely to reflect the benefits of the AI-driven consumer lending model, innovative product launches and rate cuts by the Fed in 2024.
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Upstart's Q1 Preview: The Business Is Great, The Environment Isn't
Published: May 01, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart's Q4 results showed strong execution, but Q1 earnings will determine if this momentum is sustainable in a challenging macro environment. Analysts expect Q1 revenue of $201 million and adjusted EPS of $0.17, with a focus on funding diversity, credit quality, and partner acquisition. Despite improved execution and sentiment, Upstart's high valuation and dependency on market conditions make it a Hold, not a Buy.
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Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties
Published: April 30, 2025 by: Seeking Alpha
Sentiment: Positive
After investing in Upstart stock in early 2021, I enjoyed the stellar stock market rally that pushed the stock over $400 before it crashed to just $15. 2024 marked a strong year for Upstart as the company made notable progress on the back of interest rate stability and AI model enhancements. New features introduced by Model 19 should help Upstart achieve consistent model calibration in addition to better risk separation.
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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