Upstart Holdings, Inc. (UPST)
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Start Your Free Trial NowKey Metrics & Ratings
- symbol UPST
- Rev/Share 9.1811
- Book/Share 7.5582
- PB 6.6656
- Debt/Equity 2.0392
- CurrentRatio 2.1667
- ROIC -0.0209
- MktCap 4847449842.0
- FreeCF/Share -0.7211
- PFCF -70.3712
- PE -757.5347
- 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
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.
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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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Upstart Investors Just Got Incredible News From CEO Dave Girouard
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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Surging Earnings Estimates Signal Upside for Upstart (UPST) Stock
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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3 Reasons to Buy Upstart Stock Like There's No Tomorrow
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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Upstart and Affirm Rally, BILL Plummets on Earnings as FinTech IPO Index Adds 2.4%
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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Upstart's Uptrend Is Just Getting Started: Its Time to Load Up
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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Why Upstart Holdings Stock Was Skyrocketing This Week
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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Upstart Q4: The Market's Reaction Is Warranted
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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Upstart Is A Good Fit For Fintech Growth Investors, Analyst Says
Published: February 12, 2025 by: Benzinga
Sentiment: Positive
Upstart Holdings, Inc. UPST shares are trading higher on Wednesday.
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This little-known AI stock rockets 25% as Wall Street takes note; Should you buy?
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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Upstart Surges 27% After Stellar Earnings. The Stock Also Gets an Upgrade.
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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Upstart Personal Loans Leap 89% Year Over Year
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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Upstart Holdings, Inc. (UPST) Q4 2024 Earnings Call Transcript
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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Compared to Estimates, Upstart (UPST) Q4 Earnings: A Look at Key Metrics
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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Upstart Holdings, Inc. (UPST) Surpasses Q4 Earnings and Revenue Estimates
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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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