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Start Your Free Trial NowKey Metrics & Ratings
- symbol UPST
- Rev/Share 7.6524
- Book/Share 7.1774
- PB 6.5052
- Debt/Equity 2.0423
- CurrentRatio 4.0617
- ROIC -0.0485
- MktCap 4442315381.0
- FreeCF/Share 1.1225
- PFCF 41.9787
- PE -66.2604
- 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 |
|---|---|---|---|---|---|---|---|
| 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 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.
Read More
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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Upstart Stock Plunges 20% in a Month: Should You Hold or Exit?
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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First Commonwealth Expands Access to Personal Loans Through Partnership with Upstart
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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Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)
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.
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Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
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
Buy 5 AI-Powered Non-Tech Stocks to Tap Massive Short-Term Potential
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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Evaluating Upstart: A Cautious Path To Investment In Uncertain Times
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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Has Upstart (UPST) Outpaced Other Finance Stocks This Year?
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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This AI Stock Is Up 200% in the Past 12 Months. Should You Buy It Now While It's Under $80?
Published: February 25, 2025 by: The Motley Fool
Sentiment: Positive
It has been more than two years since OpenAI released ChatGPT to the world. Given how much artificial intelligence (AI) continues to make headlines and grab attention, it's probably safe to say that this technology isn't going anywhere.
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Is Upstart Stock a Buy Now?
Published: February 24, 2025 by: The Motley Fool
Sentiment: Neutral
Upstart (UPST -9.39%) capped off a transformational 2024 with a blowout fourth-quarter earnings report. The financial technology (fintech) innovator exceeded Wall Street expectations by posting 56% year-over-year revenue growth for the period that ended Dec. 31, with the pace accelerating from the prior quarter.
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This Stock Has Gained 293% in 1 Year -- Here's Why It Could Keep Climbing
Published: February 20, 2025 by: The Motley Fool
Sentiment: Positive
Lending technology platform Upstart (UPST -4.35%) has been one of the stock market's best performers, with shares nearly quadrupling in just one year. However, if the company keeps doing what it has been doing, there could be more upside ahead.
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Upstart: Strong Buy Rating Ahead Of Projected $1 Billion Revenue In 2025
Published: February 19, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart: Strong Buy Rating Ahead Of Projected $1 Billion Revenue In 2025
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Upstart, Stock Of The Day, Flirts With Buy Point After 236% Rally
Published: February 18, 2025 by: Investors Business Daily
Sentiment: Positive
"AI lending marketplace" Upstart Holdings is seeing explosive growth. Even better, it's on the brink of a return to profits.
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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