Upstart Holdings, Inc. (UPST)
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- symbol UPST
- Rev/Share 11.0203
- Book/Share 8.185
- PB 3.5785
- Debt/Equity 2.3163
- CurrentRatio 2.9902
- ROIC 0.0201
- MktCap 2872214774.0
- FreeCF/Share -1.7023
- PFCF -17.2888
- PE 53.3302
- Debt/Assets 0.622
- DivYield 0
- ROE 0.0729
- Rating C
- Score 2
- Recommendation 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 |
|---|---|---|---|---|---|---|---|
| Upgrade | UPST | Compass Point | Sell | Neutral | -- | $30 | Feb. 17, 2026 |
| Upgrade | UPST | Goldman | Sell | Neutral | -- | $35 | Feb. 13, 2026 |
| Downgrade | UPST | Citizens | Market Perform | Mkt Underperform | -- | $20 | Feb. 13, 2026 |
| Initiation | UPST | Truist | -- | Buy | -- | $59 | Jan. 6, 2026 |
| Upgrade | UPST | JP Morgan | Neutral | Overweight | -- | $88 | Aug. 20, 2025 |
| 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 |
News
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Published: February 18, 2026 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
Upstart's Technology Has Taken The Next Step (Rating Upgrade)
Published: February 18, 2026 by: Seeking Alpha
Sentiment: Positive
Upstart's Technology Has Taken The Next Step (Rating Upgrade)
Read More
Upstart Announces Cash Line, Bringing Always-On Credit to Millions of Americans
Published: February 17, 2026 by: Business Wire
Sentiment: Neutral
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced Cash Line, a breakthrough revolving line of credit that gives consumers ongoing access to money as needed. “Cash Line is Upstart's next great leap toward always-on credit for every American,” said Dave Girouard, co-founder and CEO of Upstart. “We are rapidly building a one-stop shop for all flavors of credit where guaranteed best rates are available 24/7 in a.
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68% Gap Opens Between Upstart (UPST) Price and Wall Street Targets After Earnings Selloff
Published: February 16, 2026 by: 24/7 Wall Street
Sentiment: Negative
Upstart Holdings (NASDAQ: UPST) has dropped 19.77% over the past week, falling from $38.24 to $30.68 as of February 13.
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Upstart Stock Gaps Lower After Earnings Whiff
Published: February 11, 2026 by: Schaeffers Research
Sentiment: Negative
Upstart Holdings Inc (NASDAQ:UPST) shares are 15.6% lower to trade at $32.88 at last glance, after the fintech company reported adjusted fourth-quarter earnings of 46 cents per share, short of the 47 cent estimates.
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UPST Set to Report Q4 Earnings: What's in Store for the Stock?
Published: February 06, 2026 by: Zacks Investment Research
Sentiment: Positive
UPST prepares to report Q4 2025 results, with revenues guided near $288M, as investors watch funding strength, margins and AI-driven loan approvals.
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Countdown to Upstart (UPST) Q4 Earnings: A Look at Estimates Beyond Revenue and EPS
Published: February 05, 2026 by: Zacks Investment Research
Sentiment: Neutral
Evaluate the expected performance of Upstart (UPST) for the quarter ended December 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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Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?
Published: February 04, 2026 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Read More
Upstart's Credit Union Partnerships Soar: Will it Fuel Revenue Growth?
Published: January 22, 2026 by: Zacks Investment Research
Sentiment: Positive
UPST adds new credit union partner as its referral network grows, signaling rising lender confidence and broader access to personal loans.
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Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Published: January 22, 2026 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
PayPal vs. Upstart: Which Fintech Stock is the Better Buy Now?
Published: January 21, 2026 by: Zacks Investment Research
Sentiment: Positive
PYPL expands AI-driven commerce while UPST accelerates AI lending growth. Here's which fintech stock stands out now.
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A Short Covering Secret Contrarians Should Know
Published: January 13, 2026 by: Schaeffers Research
Sentiment: Neutral
Subscribers to Chart of the Week received this commentary on Sunday, January, 11.
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Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Published: January 08, 2026 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
Truepic Welcomes Kerry Whorton Cooper to its Board of Advisors
Published: January 06, 2026 by: GlobeNewsWire
Sentiment: Neutral
Truepic welcomes Kerry Whorton Cooper to its Advisory Board, leveraging her 20 years of executive leadership to advance authenticity in digital ecosystems.
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Upstart's Selloff Triggers Dip Buying Opportunity - Robust Lending Growth Entering 2026
Published: January 06, 2026 by: Seeking Alpha
Sentiment: Positive
Upstart is an even better Buy here, thanks to the materialization of a much needed correction from prior heights and the recent bounce off the established uptrend support line. The AI lending platform demonstrates its ability to deliver improved operating leverage upon expanded adoption rates, with FY2026 likely to benefit from the lower cost borrowing environment. This is especially aided by the nascent auto/home lending opportunities beyond the core personal lending segment, with UPST likely to benefit from the higher refinancing activities.
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3 High-Conviction AI Stocks With 10x Potential by 2036
Published: January 01, 2026 by: The Motley Fool
Sentiment: Positive
AMD is on track to become a growing competitive threat to Nvidia. CoreWeave's artificial intelligence (AI)-specific cloud ecosystem is benefiting from rapidly rising demand.
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Block vs. Upstart: Which Fintech Stock Has More Upside Right Now?
Published: December 31, 2025 by: Zacks Investment Research
Sentiment: Positive
XYZ expands its payments ecosystem as Upstart accelerates AI-driven lending growth, setting up a fintech faceoff as both chase long-term upside.
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Upstart's Partnerships Surge: Will it Ignite Revenue Rocket?
Published: December 23, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST expands partnerships with Tech CU, Peak and CAFCU, growing its AI lending network past 100 partners and widening personal, auto and HELOC offerings.
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Upstart Stock Trades at Premium Value: Should You Buy, Hold or Sell?
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST trades at a premium valuation despite a sharp stock drop, as investors weigh strong growth, AI gains and macro-driven volatility.
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Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Published: December 10, 2025 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Read More
Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?
Published: November 26, 2025 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Read More
PGY vs. UPST: Which AI Credit Platform Has Stronger Growth Setup?
Published: November 25, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya's capital-light model, expanding AI lending reach and stronger valuation set the stage for a compelling long-term growth outlook.
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Upstart's AI Lending: Can Its Underwriting Model Stay Ahead?
Published: November 21, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST adjusts its AI underwriting as rising risk trims conversions, with new calibration tools aimed at steadier approvals and broader loan expansion.
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Upstart's Push Into Auto and Home Loans: Will Diversification Pay Off?
Published: November 18, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's expanding push into auto, home, and small-dollar lending gains traction as new products scale and funding partners grow.
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Is Upstart Stock a Buy, Hold or Sell After a Steep 41% 3-Month Drop?
Published: November 14, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's sharp three-month drop contrasts with a strong quarter as model shifts, funding gains and macro sensitivity shape a cautious hold outlook.
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Is Most-Watched Stock Upstart Holdings, Inc. (UPST) Worth Betting on Now?
Published: November 12, 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
Future-Ready Fintech Stocks Set for Sustainable Long-Term Growth
Published: November 06, 2025 by: Zacks Investment Research
Sentiment: Positive
Fintech innovators like Upstart, Affirm Holdings and Nu Holdings are driving the next wave of AI-powered, sustainable financial growth.
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AI Lending Push, New Verticals Rise: Will Upstart Stay Ahead in Q3?
Published: October 31, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's Q3 results are likely to reveal if its AI lending model and expanding Auto and Home segments can sustain the strong revenue rebound seen last quarter.
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Credit Unions Tap Upstart's AI Lending Platform: Can It Fuel Growth?
Published: October 30, 2025 by: Zacks Investment Research
Sentiment: Positive
Credit unions are embracing UPST's AI platform as loan originations surge and new verticals drive its return to profitability.
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Upstart: Growth Is Being Underestimated; Maintaining Buy
Published: October 29, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart's AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy. Despite market concerns, large bank earnings confirm consumer lending remains healthy, supporting UPST's revenue growth outlook and upside potential. I remain bullish on UPST stock, as I believe the current guidance is overly prudent and growth is not fully priced in. My price target is $64, implying a 24% upside.
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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