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  3. UPST
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UPST

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    Overview
    Forecast
    Valuation
    Earnings
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Amount
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EV/EBITDA(TTM)
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EV
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EV/OCF(TTM)
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P/S(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
288.58M
+31.8%
0.471
+81.21%
274.78M
+28.78%
0.473
+57.81%
310.35M
+20.62%
0.590
+63.92%
Estimates Revision
The market is revising Downward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by -1.99% over the past three months. During the same period, the stock price has changed by -29.55%.
Revenue Estimates for FY2025
Revise Downward
down Image
-1.99%
In Past 3 Month
EPS Estimates for FY2025
No Change
down Image
0.00%
In Past 3 Month
Stock Price
Go Down
down Image
-29.55%
In Past 3 Month
Wall Street analysts forecast UPST stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 56.45 USD with a low forecast of 20.00 USD and a high forecast of 80.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
13 Analyst Rating
Wall Street analysts forecast UPST stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 56.45 USD with a low forecast of 20.00 USD and a high forecast of 80.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Buy
5 Hold
2 Sell
Moderate Buy
Current: 47.130
sliders
Low
20.00
Averages
56.45
High
80.00
Current: 47.130
sliders
Low
20.00
Averages
56.45
High
80.00
LifeSci Capital
Outperform
initiated
$43
2025-12-02
New
Reason
LifeSci Capital
Price Target
$43
2025-12-02
New
initiated
Outperform
Reason
LifeSci Capital initiated coverage of Upstream Bio with an Outperform rating and $43 price target.
Mizuho
Dan Dolev
Outperform -> Outperform
downgrade
$86 -> $66
2025-11-10
Reason
Mizuho
Dan Dolev
Price Target
$86 -> $66
2025-11-10
downgrade
Outperform -> Outperform
Reason
Mizuho analyst Dan Dolev lowered the firm's price target on Upstart to $66 from $86 and keeps an Outperform rating on the shares. The firm updated the company's model post the Q3 report.
Goldman Sachs
Will Nance
Sell
downgrade
$54 -> $40
2025-11-06
Reason
Goldman Sachs
Will Nance
Price Target
$54 -> $40
2025-11-06
downgrade
Sell
Reason
Goldman Sachs analyst Will Nance lowered the firm's price target on Upstart to $40 from $54 and keeps a Sell rating on the shares.
B. Riley
Buy
downgrade
$105 -> $66
2025-11-06
Reason
B. Riley
Price Target
$105 -> $66
2025-11-06
downgrade
Buy
Reason
B. Riley lowered the firm's price target on Upstart to $66 from $105 and keeps a Buy rating on the shares following the Q3 report. The firm reduced estimates post the print.
Citi
Peter Christiansen
Buy
downgrade
$100 -> $80
2025-11-05
Reason
Citi
Peter Christiansen
Price Target
$100 -> $80
2025-11-05
downgrade
Buy
Reason
Citi analyst Peter Christiansen lowered the firm's price target on Upstart to $80 from $100 and keeps a Buy rating on the shares following the Q3 report. The firm reduced fee revenue estimates to reflect production risk.
JPMorgan
Overweight -> NULL
downgrade
$88 -> $65
2025-11-05
Reason
JPMorgan
Price Target
$88 -> $65
2025-11-05
downgrade
Overweight -> NULL
Reason
JPMorgan lowered the firm's price target on Upstart to $65 from $88 and keeps an Overweight rating on the shares. The firm vires the company's Q3 report as mixed.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Upstart Holdings Inc (UPST.O) is 21.21, compared to its 5-year average forward P/E of -182.48. For a more detailed relative valuation and DCF analysis to assess Upstart Holdings Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
-182.48
Current PE
21.21
Overvalued PE
769.48
Undervalued PE
-1134.44

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
93.26
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
289.92
Undervalued EV/EBITDA
-103.40

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
6.65
Current PS
0.00
Overvalued PS
11.67
Undervalued PS
1.62
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders areSelling! The selling amount has increased 666.53% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areSelling! The selling amount has increased 666.53% over the last month.
Sold
Bought
AI Stock Picker
AI Stock Picker

UPST News & Events

Events Timeline

(ET)
2025-11-11
10:31:10
Upstart Holdings Experiences Mixed Sentiment as Shares Decline by 0.34%
select
2025-11-06 (ET)
2025-11-06
10:02:05
Upstart Secures $1.5 Billion Forward-Flow Agreement with Castlelake
select
2025-11-06
09:58:28
Pathward Financial Collaborates with Upstart to Provide Personal Loans
select
Sign Up For More Events
Sign Up For More Events

News

[object Object]
Preview
6.5
02:33 AMBenzinga
Alpha Acquisition: Exploring the Investment Portfolios of Top Investors - Part 1

  • Investment Focus: The article highlights the performance of Slate Path Capital, a hedge fund known for its disciplined investment approach, emphasizing deep research and concentrated portfolios without seeking celebrity status.

  • Founder Background: David Greenspan, the founder of Slate Path, has a strong background in accounting and investment management, which influences the firm's focus on balance sheets and business models over market trends.

  • Top Holdings: The article lists several of Slate Path's top holdings, including Union Pacific Corp, Amrize Ltd, and Rocket Companies, showcasing a diverse portfolio across various sectors such as transportation, technology, and energy.

  • Investment Strategy: Slate Path's strategy combines credit thinking with equity research, focusing on value discipline and opportunistic risk-taking, which has led to significant outperformance in the stock market over the past decade.

[object Object]
Preview
8.0
11-29NASDAQ.COM
Significant Options Trading on Friday: SMR, UPST, SNOW

  • Upstart Holdings Options Activity: Upstart Holdings Inc (UPST) experienced significant options trading with 38,224 contracts, equating to about 3.8 million underlying shares, which is 51.4% of its average daily trading volume. Notably, the $75 strike call option expiring on March 20, 2026, saw 2,919 contracts traded.

  • Snowflake Inc Options Activity: Snowflake Inc (SNOW) recorded an options volume of 17,745 contracts, representing approximately 1.8 million underlying shares, or 46.6% of its average daily trading volume. The $257.50 strike call option expiring on November 28, 2025, had 1,277 contracts traded.

  • Options Trading Insights: The article highlights the trading activity for both UPST and SNOW options, indicating a strong interest in specific strike prices and expiration dates.

  • Disclaimer: The views expressed in the article are those of the author and do not necessarily reflect the opinions of Nasdaq, Inc.

[object Object]
Preview
6.5
11-27Barron's
BofA Analysts Warn That Sports Betting Poses Risks for Lenders
  • Threat to Lenders: Analysts from Bank of America Securities highlight that the growth of sports betting and prediction markets presents a significant risk to lenders like Sallie Mae.
  • Underappreciated Risk: The potential impact of these betting markets on financial institutions is not widely recognized, suggesting a need for increased awareness and analysis.
Sign Up For More News

People Also Watch

FAQ

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What is Upstart Holdings Inc (UPST) stock price today?

The current price of UPST is 47.13 USD — it has increased 4.04 % in the last trading day.

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What is Upstart Holdings Inc (UPST)'s business?

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.

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What is the price predicton of UPST Stock?

Wall Street analysts forecast UPST stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 56.45 USD with a low forecast of 20.00 USD and a high forecast of 80.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Upstart Holdings Inc (UPST)'s revenue for the last quarter?

Upstart Holdings Inc revenue for the last quarter amounts to 277.11M USD, increased 65.35 % YoY.

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What is Upstart Holdings Inc (UPST)'s earnings per share (EPS) for the last quarter?

Upstart Holdings Inc. EPS for the last quarter amounts to 0.29 USD, decreased -462.50 % YoY.

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What changes have occurred in the market's expectations for Upstart Holdings Inc (UPST)'s fundamentals?

The market is revising Downward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by -1.99% over the past three months. During the same period, the stock price has changed by -29.55%.
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How many employees does Upstart Holdings Inc (UPST). have?

Upstart Holdings Inc (UPST) has 1193 emplpoyees as of December 05 2025.

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What is Upstart Holdings Inc (UPST) market cap?

Today UPST has the market capitalization of 4.59B USD.

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