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 6.6403
  • Debt/Equity 2.0423
  • CurrentRatio 4.0617
  • ROIC -0.0485

 

  • MktCap 4534605934.0
  • FreeCF/Share 1.1225
  • PFCF 42.8509
  • PE -67.637
  • Debt/Assets 0.6018
  • DivYield 0
  • ROE -0.1063

 

  • Rating
  • Score
  • Recommendation
  • P/E Score
  • DCF Score
  • P/B Score
  • D/E Score

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 Investors Just Got Incredible News From CEO Dave Girouard
UPST
Published: February 17, 2025 by: The Motley Fool
Sentiment: Positive

Investors who have remained confident about Upstart Holdings (UPST -2.07%) stock throughout its challenges are finally starting to see the light at the end of the tunnel. The credit evaluation company reported excellent progress in the 2024 fourth quarter and an even better outlook.

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image for news Upstart Investors Just Got Incredible News From CEO Dave Girouard
Surging Earnings Estimates Signal Upside for Upstart (UPST) Stock
UPST
Published: February 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Upstart (UPST) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

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image for news Surging Earnings Estimates Signal Upside for Upstart (UPST) Stock
3 Reasons to Buy Upstart Stock Like There's No Tomorrow
UPST
Published: February 17, 2025 by: The Motley Fool
Sentiment: Positive

Upstart (UPST -2.07%) is one of the best-performing stocks in the market recently, with shares up by nearly 290% since the middle of 2024. The company has reported several consecutive quarters of better-than-expected results, and lending market conditions have become much more favorable than they were in the past few years.

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image for news 3 Reasons to Buy Upstart Stock Like There's No Tomorrow
Upstart and Affirm Rally, BILL Plummets on Earnings as FinTech IPO Index Adds 2.4%
AFRM, BILL, UPST
Published: February 14, 2025 by: PYMNTS
Sentiment: Positive

The past five days of stock market trading have been whipsawed by the latest inflation report, speculation over whether or not the Fed will stand pat on interest rates, and of course, the continuing inflow of earnings reports, though the pace of those quarterly disclosures is slowing a bit.

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image for news Upstart and Affirm Rally, BILL Plummets on Earnings as FinTech IPO Index Adds 2.4%
Upstart's Uptrend Is Just Getting Started: Its Time to Load Up
UPST
Published: February 13, 2025 by: MarketBeat
Sentiment: Positive

After years of struggling to find traction, Upstart's NASDAQ: UPST business is moving again. Time spent focused on operations and improvement to the AI model has paid off.

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image for news Upstart's Uptrend Is Just Getting Started: Its Time to Load Up
Why Upstart Holdings Stock Was Skyrocketing This Week
UPST
Published: February 13, 2025 by: The Motley Fool
Sentiment: Positive

Shares of Upstart Holdings (UPST 0.10%) were surging this week after the company delivered smashing results in its fourth-quarter earnings report.

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image for news Why Upstart Holdings Stock Was Skyrocketing This Week
Upstart Q4: The Market's Reaction Is Warranted
UPST
Published: February 13, 2025 by: Seeking Alpha
Sentiment: Positive

Upstart Holdings has shown significant growth, with a 56% YoY revenue increase and improved net income, despite still being unprofitable. The AI-powered lending platform has automated over 90% of loans, leading to higher approval rates and lower APRs compared to traditional lenders. UPST's Q4 earnings exceeded expectations, with revenue at $219M and a smaller-than-expected net loss, driving the stock up 20%.

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image for news Upstart Q4: The Market's Reaction Is Warranted
Upstart Is A Good Fit For Fintech Growth Investors, Analyst Says
UPST
Published: February 12, 2025 by: Benzinga
Sentiment: Positive

Upstart Holdings, Inc. UPST shares are trading higher on Wednesday.

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image for news Upstart Is A Good Fit For Fintech Growth Investors, Analyst Says
This little-known AI stock rockets 25% as Wall Street takes note; Should you buy?
UPST
Published: February 12, 2025 by: Finbold
Sentiment: Positive

Upstart (NASDAQ: UPST), a rising name in artificial intelligence (AI)-driven lending, is drawing attention following a strong earnings report that has fueled the equity's growth.

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image for news This little-known AI stock rockets 25% as Wall Street takes note; Should you buy?
Upstart Surges 27% After Stellar Earnings. The Stock Also Gets an Upgrade.
UPST
Published: February 12, 2025 by: Barrons
Sentiment: Positive

The artificial-intelligence lending platform expects first-quarter revenue of about $200 million, better than estimates of $184.6 million.

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image for news Upstart Surges 27% After Stellar Earnings. The Stock Also Gets an Upgrade.
Upstart Personal Loans Leap 89% Year Over Year
UPST
Published: February 11, 2025 by: PYMNTS
Sentiment: Positive

Upstart's latest quarterly results showed double-digit gains in loan originations, powered by artificial intelligence (AI) and automation, where management also said that the credit quality of its lending portfolio was strong amid new capital commitments from its lending partners.

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image for news Upstart Personal Loans Leap 89% Year Over Year
Upstart Holdings, Inc. (UPST) Q4 2024 Earnings Call Transcript
UPST
Published: February 11, 2025 by: Seeking Alpha
Sentiment: Neutral

Upstart Holdings, Inc. (NASDAQ:UPST ) Q4 2024 Earnings Call Transcript February 11, 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 Kyle Peterson - Needham Simon Clinch - Redburn Atlantic Peter Christiansen - Citi Ramsey Assal - Barclays Dan Dolev - Mizuho David Scharf - JMP Securities Vincent Caintic - BTIG John Hecht - Jefferies Reggie Smith - J.P. Morgan James Faucette - Morgan Stanley Matt O'Neill - FT Partners Rob Wildhack - Autonomous Operator Good afternoon.

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image for news Upstart Holdings, Inc. (UPST) Q4 2024 Earnings Call Transcript
Compared to Estimates, Upstart (UPST) Q4 Earnings: A Look at Key Metrics
UPST
Published: February 11, 2025 by: Zacks Investment Research
Sentiment: Positive

The headline numbers for Upstart (UPST) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

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image for news Compared to Estimates, Upstart (UPST) Q4 Earnings: A Look at Key Metrics
Upstart Holdings, Inc. (UPST) Surpasses Q4 Earnings and Revenue Estimates
UPST
Published: February 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Upstart Holdings, Inc. (UPST) came out with quarterly earnings of $0.26 per share, beating the Zacks Consensus Estimate of a loss of $0.05 per share. This compares to loss of $0.11 per share a year ago.

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image for news Upstart Holdings, Inc. (UPST) Surpasses Q4 Earnings and Revenue Estimates
Upstart's Business Surged Back in Q4
UPST
Published: February 11, 2025 by: The Motley Fool
Sentiment: Positive

Here's our initial take on Upstart's (UPST -5.08%) fourth-quarter results.

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image for news Upstart's Business Surged Back in Q4
Upstart delivers another big earnings surprise, and its stock is skyrocketing
UPST
Published: February 11, 2025 by: Market Watch
Sentiment: Positive

Upstart's stock is surging after upbeat results and guidance. This could be the third consecutive major gain for the AI lending company's shares after earnings.

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image for news Upstart delivers another big earnings surprise, and its stock is skyrocketing

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.