UPST
Upstart Holdings Inc
$
38.600
Line
|
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
38.640
Open
36.900
VWAP
37.63
Vol
8.90M
Mkt Cap
3.76B
Low
36.0601
Amount
334.81M
EV/EBITDA(TTM)
--
Total Shares
87.88M
EV
5.04B
EV/OCF(TTM)
187.75
P/S(TTM)
4.13
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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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q2
FY2026Q1
FY2025Q4
310.35M
+20.62%
0.593
+64.75%
274.78M
+28.78%
0.475
+58.25%
288.94M
+31.96%
0.471
+81.21%
Estimates Revision
The market is revising Downward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by -0.12% over the past three months. During the same period, the stock price has changed by -43.86%.
Revenue Estimates for FY2025
Revise Downward
-0.12%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
-0.32%
In Past 3 Month
Stock Price
Go Down
-43.86%
In Past 3 Month
11 Analyst Rating
68.03% Upside
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 64.86 USD with a low forecast of 20.00 USD and a high forecast of 88.00 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.
4 Buy
5 Hold
2 Sell
Hold
68.03% Upside
Current: 38.600
Low
20.00
Averages
64.86
High
88.00
68.03% Upside
Current: 38.600
Low
20.00
Averages
64.86
High
88.00
Goldman Sachs
Will Nance
Sell
downgrade
$54 -> $40
2025-11-06
New
Reason
Goldman Sachs
Will Nance
Price Target
$54 -> $40
2025-11-06
New
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
New
Reason
B. Riley
Price Target
$105 -> $66
2025-11-06
New
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
New
Reason
Citi
Peter Christiansen
Price Target
$100 -> $80
2025-11-05
New
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
New
Reason
JPMorgan
Price Target
$88 -> $65
2025-11-05
New
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.
Morgan Stanley
James Faucette
Equal Weight
downgrade
$70 -> $45
2025-11-05
New
Reason
Morgan Stanley
James Faucette
Price Target
$70 -> $45
2025-11-05
New
downgrade
Equal Weight
Reason
Morgan Stanley analyst James Faucette lowered the firm's price target on Upstart to $45 from $70 and keeps an Equal Weight rating on the shares. For a name like Upstart with "little downside valuation protection support," clean quarters are required, argues the analyst, who contends that the company needs to demonstrate that both its model and forecasting can sufficiently adapt to volatility. Following earnings, the firm lowered its 2026 and 2027 originations forecast by about 11%, with the impact largely flowing through to adjusted diluted EPS.
Piper Sandler
Overweight
downgrade
$80 -> $56
2025-11-05
New
Reason
Piper Sandler
Price Target
$80 -> $56
2025-11-05
New
downgrade
Overweight
Reason
Piper Sandler lowered the firm's price target on Upstart to $56 from $80 and keeps an Overweight rating on the shares. The firm notes the company reported expense-driven beat, with Q4 guide below its model. Piper thinks the 17% decline in the stock after hours is overdone and presents an attractive buying opportunity for long-term investors.
See All Ratings
Valuation Metrics
The current forward P/E ratio for Upstart Holdings Inc (UPST.O) is 16.89, compared to its 5-year average forward P/E of -186.41. For a more detailed relative valuation and DCF analysis to assess Upstart Holdings Inc 's fair value, click here.
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.
N/A
5Y Average PE
-186.41
Current PE
16.89
Overvalued PE
774.47
Undervalued PE
-1147.30
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.
N/A
5Y Average EV/EBITDA
95.50
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
294.65
Undervalued EV/EBITDA
-103.64
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.
Strongly Overvalued
5Y Average PS
6.97
Current PS
37.73
Overvalued PS
12.82
Undervalued PS
1.12
Financials
Annual
Quarterly
FY2025Q3
YoY :
+65.35%
277.11M
Total Revenue
FY2025Q3
YoY :
-159.61%
23.67M
Operating Profit
FY2025Q3
YoY :
-570.63%
31.81M
Net Income after Tax
FY2025Q3
YoY :
-462.50%
0.29
EPS - Diluted
FY2025Q3
YoY :
-138.16%
-22.34M
Free Cash Flow
FY2025Q3
YoY :
+7.16%
82.03
Gross Profit Margin - %
FY2025Q3
YoY :
-97.10%
0.94
FCF Margin - %
FY2025Q3
YoY :
-384.86%
11.48
Net Margin - %
FY2025Q3
N/A
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
3.6M
USD
8
3-6
Months
15.2M
USD
20
6-9
Months
1.3M
USD
7
0-12
Months
16.8M
USD
13
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
312.0K
Volume
1
0-12
Months
630.2K
Volume
2
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
1
521.9K
Volume
Months
0-12
1
523.0K
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
3.6M
USD
8
3-6
Months
15.2M
USD
20
6-9
Months
1.3M
USD
7
0-12
Months
16.8M
USD
13
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
UPST News & Events
Events Timeline
2025-11-06 (ET)
2025-11-06
10:02:05
Upstart Secures $1.5 Billion Forward-Flow Agreement with Castlelake
2025-11-06
09:58:28
Pathward Financial Collaborates with Upstart to Provide Personal Loans
2025-11-04 (ET)
2025-11-04
16:28:29
Upstart reports approximately $63M in adjusted EBITDA for Q4
Sign Up For More Events
Sign Up For More Events
News
9.5
11-05BenzingaPinnedUpstart Reports Mixed Q3 Performance, Transaction Volumes Fall Short of Expectations; Analysts Lower Price Targets
9.5
11-05BenzingaPinnedWhat’s Causing Upstart Stock to Decline Today?
7.5
11-06NewsfilterUpstart Reveals $1.5 Billion Forward-Flow Partnership with Castlelake
Sign Up For More News
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FAQ
What is Upstart Holdings Inc (UPST) stock price today?
The current price of UPST is 38.6 USD — it has increased 2.32 % in the last trading day.
What is Upstart Holdings Inc (UPST)'s business?
What is the price predicton of UPST Stock?
What is Upstart Holdings Inc (UPST)'s revenue for the last quarter?
What is Upstart Holdings Inc (UPST)'s earnings per share (EPS) for the last quarter?
What changes have occurred in the market's expectations for Upstart Holdings Inc (UPST)'s fundamentals?
How many employees does Upstart Holdings Inc (UPST). have?