Price
$31.09-6.44%Social Signal Score
Analyst Ratings
22 analystsRevenue
$377.24M+662.30%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Paul Gu
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 1,405
- Beta
- 2.17
- Country
- US
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- 1.21
Financials
Revenue
$377.24M+662.3%Net Income
$16.54MEBITDA
$24.28M+1058.3%Free Cash Flow
$-134.45M-2154.8%EPS (diluted)
$0.16Shares Outstanding (diluted)
109.72M+666.6%Operating Expenses
$256.21MCash & Debt
$455.96MReturn of Capital
$0.00Revenue by Segment (annual)
$303.76MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.08B | $53.60M | $0.56 |
| 2024 | $676.96M | $-128.58M | $-1.44 |
| 2023 | $547.72M | $-240.13M | $-2.87 |
| 2022 | $853.29M | $-108.67M | $-1.31 |
| 2021 | $849.89M | $135.44M | $1.73 |
| 2020 | $230.08M | $5.98M | $0.27 |
| 2019 | $189.27M | $-466.0K | $-0.03 |
| 2018 | $95.58M | $-12.32M | $-0.87 |
| 2017 | $55.64M | $-7.72M | $-0.56 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $0.82
- Implied price
- $14.76
- Return from $22.81
- -8.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $7.34 — -67.8% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 15 | 18 | 21 | 24 |
|---|---|---|---|---|---|
| -2.0% | -23.3% | -19.8% | -16.8% | -14.2% | -11.9% |
| 3.0% | -19.4% | -15.7% | -12.6% | -9.8% | -7.4% |
| 8.0% | -15.5% | -11.6% | -8.3% | -5.5% | -2.9% |
| 13.0% | -11.6% | -7.5% | -4.1% | -1.1% | 1.6% |
| 18.0% | -7.6% | -3.4% | 0.2% | 3.3% | 6.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
93+366.67%Social Signal Score
Mentions (31)
- News247wallst.com·20h ago·Negative
Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges Upstart Holdings (NASDAQ:UPST) reported a slight dip in its own credit-stress gauge, the Upstart Macro Index, to 1.49, and the stock is pulling away from the rest of consumer lending, according to Upstart Holdings, Inc.
View source ↗ - Newsfool.com·1d ago·Neutral
Is Upstart Stock a Buy, Sell, or Hold At Its New 52-Week Low? Shares of Upstart have been sinking since the middle of last year, largely on economic concerns. This company's businesses, however, appear stronger than any economic headwinds.
View source ↗ - Newszacks.com·5d ago·Neutral
Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know 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.
View source ↗ - Newsbusinesswire.com·7d ago·Negative
…ust 2026-4 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to five classes of notes issued by Upstart Securitization Trust 2026-4 (“UPST 2026-4”), a $400.0 million consumer loan ABS securitization collateralized by unsecured consumer loans and auto secured personal loans. UPST 2026-4 represents the 52nd ABS securitization collateralized by loans originated through the online platform operated by Upstart Network, Inc. (“Upstart” or the “Company”), a 100% owned su…
View source ↗ - Newsfool.com·9d ago·Neutral
Upstart Lends Money It Doesn't Hold. What Does That Do to the Stock in a Downturn? Upstart is a lender that uses AI to price loans. It does not hold loans on its balance sheet; it syndicates them for third parties.
View source ↗ - Newszacks.com·10d ago·Neutral
Upstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key Facts Upstart Holdings, Inc. (UPST) reached $23.82 at the closing of the latest trading day, reflecting a -3.33% change compared to its last close.
View source ↗ - Newsfool.com·11d ago·Positive
Can AI Upstart Lemonade Topple Berkshire Hathaway? Berkshire Hathaway operates a massive, profitable portfolio ranging from insurance to energy and railroads. Lemonade uses artificial intelligence to rapidly grow its customer base within the digital insurance space.
View source ↗ - Newszacks.com·11d ago·Negative
Upstart Expands Partnership With Commonwealth Credit Union UPST expands its Commonwealth Credit Union partnership into HELOCs and indirect auto lending as secured originations surge.
View source ↗ - Newsbenzinga.com·11d ago·Neutral
Upstart Stock Reverses Higher After Hitting 52-Week Low Upstart Holdings Inc. (NASDAQ:UPST) shares are trading higher Thursday, bouncing after touching a fresh 52-week low earlier in the session.
View source ↗ - News247wallst.com·12d ago·Neutral
Consumer Lending Stocks Slide While Financials Barely Budge: Upstart and Affirm Drop 4%, SoFi Eases Consumer lending stocks are sliding in Wednesday morning trading while the broader financials group is close to unchanged.
View source ↗ - Newsfool.com·16d ago·Neutral
Prediction: These 3 Stocks Will 10x in the Next 10 Years The market might seem bloated, but these stocks still have a long runway for growth.
View source ↗ - Newsfool.com·16d ago·Neutral
Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits. SoFi got its bank charter in 2022, and it was one of the first fintechs to get one. It has been transformative for the bank, allowing it to take deposits and fund its loans more effectively.
View source ↗ - Newszacks.com·17d ago·Neutral
Upstart Holdings, Inc. (UPST) Laps the Stock Market: Here's Why Upstart Holdings, Inc. (UPST) closed the most recent trading day at $25.02, moving +1.01% from the previous trading session.
View source ↗ - Newszacks.com·20d ago·Negative
Upstart Holdings, Inc. (UPST) Sees a More Significant Dip Than Broader Market: Some Facts to Know Upstart Holdings, Inc. (UPST) reached $25.3 at the closing of the latest trading day, reflecting a -3.08% change compared to its last close.
View source ↗ - Newsfool.com·22d ago·Neutral
Could Upstart 10x From Here? The AI Fintech Platform Could Be the Most Misunderstood Stock on the Market CEO Paul Gu called the perception gap facing Upstart "quite severe." The company has made its business much more resilient in the last few years.
View source ↗ - Newsfool.com·24d ago·Positive
Upstart CEO Paul Gu Buys 50,000 Shares for $1.3 Million. What Does This Mean for Investors Now? Purchased 50,000 shares at $25.55 per share on September 10, 2026, for a total value of ~$1.3 million. The transaction involved shares equal to 26% of the indirect equity holdings reported prior to the filing.
View source ↗ - Newszacks.com·26d ago·Neutral
Upstart Holdings, Inc. (UPST) Dips More Than Broader Market: What You Should Know In the most recent trading session, Upstart Holdings, Inc. (UPST) closed at $25.93, indicating a -3.89% shift from the previous trading day.
View source ↗ - Newsmarketbeat.com·27d ago·Neutral
Upstart Refocuses on Personal Loans as Consumer Stress Rises Upstart NASDAQ: UPST CEO Paul Gu said the company is concentrating its efforts on expanding its core personal loan business, which he described as the company's most differentiated and highest-margin product. Gu said the segment's growth accelerated in the second quarter, with core personal loan growth reaching roughly 3.5 times the growth recorded across the prior three quarters combined.
View source ↗ - Newsseekingalpha.com·27d ago·Positive
Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript
View source ↗ - Newszacks.com·32d ago·Neutral
Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound? Upstart (UPST) reported earnings 30 days ago. What's next for the stock?
View source ↗ - Newsbusinesswire.com·33d ago·Neutral
Upstart Publishes August 2026 Originations and Latest UMI BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes August 2026 Originations and Latest UMI.
View source ↗ - Newsseekingalpha.com·35d ago·Neutral
…party funding capacity. Further margin expansion from FY2027 may be driven by the robust unsecured loan growth and the projected breakeven secured segment by Q4 '26. UPST's consolidation has contributed to the cheap EV/Sales of 3.12x and 3Y PEG ratio of 0.36x, along with the excellent doubling upside potential to my LTPT of $59.10.
View source ↗ - Newsseekingalpha.com·35d ago·Neutral
Upstart: Massive Short Squeeze Potential Upstart Holdings, Inc. is scaling rapidly, driven by AI-powered loan origination and expanding transaction volumes. UPST's platform saw 50% year-over-year growth in loan originations in Q2, reaching 558,014 total loans, with improving channel conversion rates. Upstart still benefits from strong credit demand for personal loans which are driving origination volumes.
View source ↗ - Newsfool.com·38d ago·Positive
Down 30% in 2026, Is Upstart an AI Stock to Buy Right Now? This AI lender is suggesting the U.S. economy is decelerating.
View source ↗ - Newsbusinesswire.com·41d ago·Neutral
Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026 BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026.
View source ↗ - Newsfool.com·44d ago·Neutral
Is Upstart Stock a Buy After Falling 55% This Year? Here's What to Know as One Insider Disposes of Shares The executive disposed of 18,945 shares across two trading sessions for a total transaction value of $566,000. The activity reduced the executive's direct equity holdings by 6%.
View source ↗ - Newsfool.com·44d ago·Negative
An Upstart Insider Filing Involves $216,000. Here's How It Connects to a New Bank Charter The disposition involved 7,696.0 shares at $28.09 per share, representing a total transaction value of $216,000 on August 20, 2026. The move reduced the total equity position by 6% and the direct ownership stake by 10%.
View source ↗ - Newsfool.com·45d ago·Negative
Upstart's CFO Sold Stock as the Company Returned to Profit. Here's What to Know The transaction involved 10,175 shares at a weighted average price of $29.35 per share, representing a total value of $298,600. This sale included a non-discretionary event executed to satisfy tax withholding obligations triggered by the vesting of restricted stock units.
View source ↗ - Newsmarketbeat.com·49d ago·Negative
Upstart CEO Outlines AI Lending Growth Push, Targets Profitable Home and Auto Expansion Upstart NASDAQ: UPST CEO Paul Gu said the company is entering a “second leg” of its development, focused on converting its artificial-intelligence lending platform into sustained profitable growth while expanding into secured credit products.
View source ↗ - Newsseekingalpha.com·55d ago·Positive
Upstart Holdings, Inc. (UPST) Presents at Bank of America SMID Cap Virtual Conference Transcript Upstart Holdings, Inc. (UPST) Presents at Bank of America SMID Cap Virtual Conference Transcript
View source ↗ - Newsfool.com·57d ago·Negative
Why Upstart Stock Plunged 23% in July High interest rates and concerns about software-as-a-service stocks in the agentic AI era have weighed on Upstart stock. Upstart delivered solid performance in the second quarter, with a 42% year-over-year increase in revenue and positive net income.
View source ↗
Earnings
Tue, Nov 3(in 4 weeks)
Consensus estimate $0.22 per share
Typical surprise +23.8% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Aug 4$0.16 vs $0.18miss
- Tue, May 5$-0.07 vs $0.39miss
- Tue, Feb 10$0.46 vs $0.47miss
- Tue, Nov 4$0.52 vs $0.42beat
- Tue, Aug 5$0.36 vs $0.27beat
- Tue, May 6$0.30 vs $0.19beat
Estimates and results for UPST via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by UPST officers and directors.
- Bought
- $11.6m
- Sold
- $10.3m
6 trades
43 trades
- Gu Paulbought
- Datta Sanjaysold
- Mirgorodskaya Nataliasold
- Datta Sanjaysold
- Darling Scottsold
- Mirgorodskaya Nataliasold
- Datta Sanjaysold
- Blankmeyer Andreasold
51 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Tony Wiedhouse · WI08 · disclosed Sep 7, 2026 (24d later)Sell$15,001 - $50,000
- Tony Wiedhouse · WI08 · disclosed Aug 19, 2026 (36d later)Buy$15,001 - $50,000
- Tony Wiedhouse · WI08 · disclosed Aug 10, 2026 (62d later)Sell$15,001 - $50,000
- Thomas Suozzihouse · NY03 · disclosed May 20, 2022 (4d later)Sell$1,001 - $15,000
- Thomas Suozzihouse · NY03 · disclosed May 20, 2022 (15d later)Buy$15,001 - $50,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.