Upstart Holdings, Inc. (UPST)

US — Financial Services Sector
Peers:   SOFI  V  MA  AXP  PYPL  COF  ALLY 

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Key Metrics & Ratings

  • symbol UPST
  • Rev/Share 7.6524
  • Book/Share 7.1774
  • PB 7.2478
  • Debt/Equity 2.0423
  • CurrentRatio 4.0617
  • ROIC -0.0485

 

  • MktCap 4949437698.0
  • FreeCF/Share 1.1225
  • PFCF 46.7709
  • PE -73.8245
  • 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
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

Block vs. Upstart: Which Fintech Stock Has More Upside in 2025?
UPST, XYZ
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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image for news Block vs. Upstart: Which Fintech Stock Has More Upside in 2025?
Upstart Stock's Bull Case Just Got a Lot Stronger
UPST
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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image for news Upstart Stock's Bull Case Just Got a Lot Stronger
Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know
UPST
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
image for news Investors Heavily Search Upstart Holdings, Inc. (UPST): Here is What You Need to Know
Upstart: Inflection Point In Sight
UPST
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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image for news Upstart: Inflection Point In Sight
Upstart CFO to Participate in Fireside Chat at the Morgan Stanley US Financials Conference
UPST
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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image for news Upstart CFO to Participate in Fireside Chat at the Morgan Stanley US Financials Conference
Upstart Holdings: Firing On All Cylinders
UPST
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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image for news Upstart Holdings: Firing On All Cylinders
Pagaya Vs. Upstart: Why Pagaya's Strategy Offers A Safer Bet
PGY, UPST
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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image for news Pagaya Vs. Upstart: Why Pagaya's Strategy Offers A Safer Bet
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
UPST
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.

Read More
image for news Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Upstart Stock Tanks 32% in 3 Months: Time to Hold or Book Loss?
UPST
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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image for news Upstart Stock Tanks 32% in 3 Months: Time to Hold or Book Loss?
Upstart Holdings, Inc. (UPST) Barclays 15th Annual Emerging Payments and FinTech Forum (Transcript)
UPST
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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image for news Upstart Holdings, Inc. (UPST) Barclays 15th Annual Emerging Payments and FinTech Forum (Transcript)
Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural 'AI Day'
UPST
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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image for news Upstart Showcases AI Breakthroughs and Business Momentum at Inaugural 'AI Day'
Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
UPST
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
image for news Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
UPST vs. AFRM: Which AI-Powered Fintech Stock Offers Better Growth?
AFRM, UPST
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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image for news UPST vs. AFRM: Which AI-Powered Fintech Stock Offers Better Growth?
Upstart Stock Falls on Forecast Despite Earnings Beat
UPST
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.

Read More
image for news Upstart Stock Falls on Forecast Despite Earnings Beat
Upstart Holdings, Inc. (UPST) Q1 2025 Earnings Call Transcript
UPST
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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image for news Upstart Holdings, Inc. (UPST) Q1 2025 Earnings Call Transcript
Upstart (UPST) Reports Q1 Earnings: What Key Metrics Have to Say
UPST
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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image for news Upstart (UPST) Reports Q1 Earnings: What Key Metrics Have to Say
Upstart Personal Loan Originations Grow 83% Year Over Year
UPST
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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image for news Upstart Personal Loan Originations Grow 83% Year Over Year
Upstart Holdings, Inc. (UPST) Q1 Earnings and Revenues Surpass Estimates
UPST
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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image for news Upstart Holdings, Inc. (UPST) Q1 Earnings and Revenues Surpass Estimates
Upstart tumbles on second-quarter outlook, even as its full-year forecast gets more upbeat
UPST
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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image for news Upstart tumbles on second-quarter outlook, even as its full-year forecast gets more upbeat
Stay Ahead of the Game With Upstart (UPST) Q1 Earnings: Wall Street's Insights on Key Metrics
UPST
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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image for news Stay Ahead of the Game With Upstart (UPST) Q1 Earnings: Wall Street's Insights on Key Metrics
Upstart Holdings to Report Q1 Earnings: How to Play the Stock?
UPST
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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image for news Upstart Holdings to Report Q1 Earnings: How to Play the Stock?
Upstart's Q1 Preview: The Business Is Great, The Environment Isn't
UPST
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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image for news Upstart's Q1 Preview: The Business Is Great, The Environment Isn't
Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties
UPST
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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image for news Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties
Upstart Stock Plunges 20% in a Month: Should You Hold or Exit?
UPST
Published: April 24, 2025 by: Zacks Investment Research
Sentiment: Neutral

UPST's AI-powered innovation, robust financial growth and expanding loan offerings position it well for future growth, making the stock worth holding.

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image for news Upstart Stock Plunges 20% in a Month: Should You Hold or Exit?
First Commonwealth Expands Access to Personal Loans Through Partnership with Upstart
UPST
Published: April 16, 2025 by: Business Wire
Sentiment: Neutral

ALLENTOWN, Pa. & SAN MATEO, Calif.--(BUSINESS WIRE)--First Commonwealth Expands Access to Personal Loans Through Partnership with Upstart.

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image for news First Commonwealth Expands Access to Personal Loans Through Partnership with Upstart
Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)
UPST
Published: March 28, 2025 by: Seeking Alpha
Sentiment: Positive

Upstart has shown strong execution, with improved underwriting algorithms boosting top-line growth. The company has seen revenue growth accelerate and management expects further acceleration into 2025. This acceleration in growth is expected to coincide with a return to GAAP profitability.

Read More
image for news Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
UPST
Published: March 27, 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
image for news Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Buy 5 AI-Powered Non-Tech Stocks to Tap Massive Short-Term Potential
JCI, NFLX, PYPL, UPST, V
Published: March 13, 2025 by: Zacks Investment Research
Sentiment: Positive

Here we present five AI-powered non-tech stocks have solid growth potential for 2025. These are: PYPL, V, UPST, NFLX, JCI.

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image for news Buy 5 AI-Powered Non-Tech Stocks to Tap Massive Short-Term Potential
Evaluating Upstart: A Cautious Path To Investment In Uncertain Times
UPST
Published: February 28, 2025 by: Seeking Alpha
Sentiment: Negative

Upstart Holdings' AI-driven credit risk models have shown significant improvements, increasing loan approvals by 101% and reducing APR by 38%. Its advanced AI models and reduced macroeconomic headwinds position it for future revenue growth. The company is currently unprofitable, but management forecasts a breakeven net income for the full year 2025.

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image for news Evaluating Upstart: A Cautious Path To Investment In Uncertain Times
Has Upstart (UPST) Outpaced Other Finance Stocks This Year?
UPST
Published: February 26, 2025 by: Zacks Investment Research
Sentiment: Positive

Here is how Upstart Holdings, Inc. (UPST) and Enact Holdings, Inc. (ACT) have performed compared to their sector so far this year.

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image for news Has Upstart (UPST) Outpaced Other Finance Stocks This Year?

About Upstart Holdings, Inc. (UPST)

  • IPO Date 2020-12-16
  • Website https://www.upstart.com
  • Industry Financial - Credit Services
  • CEO Mr. 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.