Upstart Holdings, Inc. (UPST)

US — Financial Services Sector
Peers: AFRM  COF  CRWD  MA  PYPL  SNOW  SOFI  TTD  V 

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Key Metrics & Ratings

  • symbol UPST
  • Rev/Share 8.9095
  • Book/Share 7.5582
  • PB 8.9518
  • Debt/Equity 2.0392
  • CurrentRatio 2.1667
  • ROIC -0.0209

 

  • MktCap 6510089582.0
  • FreeCF/Share -0.746
  • PFCF -91.3543
  • PE -1017.364
  • 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
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
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

News

Upstart's Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection
UPST
Published: September 09, 2025 by: Seeking Alpha
Sentiment: Positive

UPST's strong performance metrics and growing profitability support my upgraded Buy rating, despite the ongoing rally since April 2025, aided by the raised FY2025 guidance. Efficient lender / funding partner acquisitions, higher loan conversion rates, and improved operational scale reinforce its high-growth trends, with further acceleration likely upon a Fed rate cut. UPST's valuation remains attractive, with a FWD P/E of 39x, with the premium against its peers seemingly justified attributed to the inflection in its adj EPS performance.

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image for news Upstart's Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection
Upstart Holdings, Inc. (UPST) Presents At Goldman Sachs Communicopia + Technology Conference 2025 Transcript
UPST
Published: September 08, 2025 by: Seeking Alpha
Sentiment: Neutral

Upstart Holdings, Inc. (NASDAQ:UPST ) Goldman Sachs Communicopia + Technology Conference 2025 September 8, 2025 1:10 PM EDT Company Participants David Girouard - Co-Founder, President, CEO & Chairperson of the Board Conference Call Participants William Nance - Goldman Sachs Group, Inc., Research Division Presentation William Nance Research Analyst Up next, we have Dave Girouard, CEO and Co-Founder of Upstart. Dave, thank you for being here.

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image for news Upstart Holdings, Inc. (UPST) Presents At Goldman Sachs Communicopia + Technology Conference 2025 Transcript
KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2025-3
UPST
Published: September 05, 2025 by: Business Wire
Sentiment: Neutral

NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to four classes of notes issued by Upstart Securitization Trust 2025-3 (“UPST 2025-3”), a $320 million consumer loan ABS collateralized by unsecured consumer loans. The preliminary ratings reflect initial credit enhancement levels of 56.45% for the Class A notes, 43.50% for the Class B notes, 33.30% for the Class C notes and 20.50% for the Class D notes. Credit enhancement consists of overcollateralization, excess spread, a non-declini.

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image for news KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2025-3
Upstart's AI Underwriting Edge: Can It Keep Driving Loan Growth?
UPST
Published: September 05, 2025 by: Zacks Investment Research
Sentiment: Positive

UPST's AI-driven underwriting is fueling record loan originations, margin gains, and expansion into auto and home equity lending.

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image for news Upstart's AI Underwriting Edge: Can It Keep Driving Loan Growth?
Is UPST Stock a Buy, Hold, or Sell After Its 43.7% Three-Month Rally?
UPST
Published: September 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Upstart Holdings, Inc. UPST has rallied 43.7% in the past three months, outperforming the Zacks Financial – Miscellaneous Services industry's modest 7.7% gain. While LendingClub LC posted a bigger jump of 64.2% and Enova International ENVA rose 29.1%, UPST's surge underscores its strong momentum and leadership among AI-driven lending platforms.

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image for news Is UPST Stock a Buy, Hold, or Sell After Its 43.7% Three-Month Rally?
Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know
UPST
Published: August 28, 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
image for news Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know
Nvidia's upstart Chinese rival Cambricon just showed 4,000% growth — but don't get too excited
NVDA, UPST
Published: August 27, 2025 by: Market Watch
Sentiment: Neutral

Despite the Chinese chip maker's growth, its revenues are still a “rounding error” in the global market.

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image for news Nvidia's upstart Chinese rival Cambricon just showed 4,000% growth — but don't get too excited
Cornerstone Community Financial Credit Union Selects Upstart for Personal Loans
UPST
Published: August 27, 2025 by: Business Wire
Sentiment: Neutral

AUBURN HILLS, Mich. & SAN MATEO, Calif.--(BUSINESS WIRE)--Cornerstone Community Financial Credit Union Selects Upstart for Personal Loans.

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image for news Cornerstone Community Financial Credit Union Selects Upstart for Personal Loans
Upstart: GAAP Inflection Point
UPST
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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image for news Upstart: GAAP Inflection Point
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
UPST
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
image for news Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Why Is Upstart Stock Trading Lower On Monday?
UPST
Published: August 11, 2025 by: Benzinga
Sentiment: Negative

Upstart Holdings Inc. UPST stock is trading lower on Monday.

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image for news Why Is Upstart Stock Trading Lower On Monday?
Upstart Announces Proposed Private Offering of $500,000,000 of Convertible Senior Notes Due 2032
UPST
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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image for news Upstart Announces Proposed Private Offering of $500,000,000 of Convertible Senior Notes Due 2032
3 Growth Stocks to Invest $1,000 in Right Now
AAPL, MELI, UPST
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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image for news 3 Growth Stocks to Invest $1,000 in Right Now
Why Upstart Stock Soared 26% in July
UPST
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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image for news Why Upstart Stock Soared 26% in July
Upstart's stock takes a mysterious dive after earnings. What's behind the move.
UPST
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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image for news Upstart's stock takes a mysterious dive after earnings. What's behind the move.
Upstart: Hitting A Wall
UPST
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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image for news Upstart: Hitting A Wall
Upstart Q2 Preview: Anticipating Strong Consumer Loan Growth, Initiate With Buy
UPST
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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image for news Upstart Q2 Preview: Anticipating Strong Consumer Loan Growth, Initiate With Buy
Upstart: Everyone Gave Up. I Didn't. And I'm Still Super Bullish
UPST
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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image for news Upstart: Everyone Gave Up. I Didn't. And I'm Still Super Bullish
Gear Up for Upstart (UPST) Q2 Earnings: Wall Street Estimates for Key Metrics
UPST
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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image for news Gear Up for Upstart (UPST) Q2 Earnings: Wall Street Estimates for Key Metrics
StoneCo vs. Upstart: Which Fintech Stock Has More Upside This Year?
STNE, UPST
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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image for news StoneCo vs. Upstart: Which Fintech Stock Has More Upside This Year?
Upstart Holdings, Inc. (UPST) Reports Next Week: Wall Street Expects Earnings Growth
UPST
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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image for news Upstart Holdings, Inc. (UPST) Reports Next Week: Wall Street Expects Earnings Growth
Forget NVDA: These 3 AI Stocks Have 5x Potential
APLD, AWEVF, UPST
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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image for news Forget NVDA: These 3 AI Stocks Have 5x Potential
China's New Investment Playbook: VCs Chase Crypto As A Travel Upstart Eyes New York
UPST
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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image for news China's New Investment Playbook: VCs Chase Crypto As A Travel Upstart Eyes New York
Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?
UPST
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.

Read More
image for news Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?
Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
UPST
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
image for news Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Upstart: An AI Fintech Gem
UPST
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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image for news Upstart: An AI Fintech Gem
Is Upstart Too Expensive Now? A Wait-and-See Approach May Help
UPST
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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image for news Is Upstart Too Expensive Now? A Wait-and-See Approach May Help
Upstart Stock Appreciates 40% QTD: Should You Take the Bait?
UPST
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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image for news Upstart Stock Appreciates 40% QTD: Should You Take the Bait?
Fintech Stock Breaking Above Key Resistance Levels
UPST
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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image for news Fintech Stock Breaking Above Key Resistance Levels
Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
UPST
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
image for news Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It

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

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.