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  3. UPST
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UPST

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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q2
FY2025Q3
FY2025Q4
225.68M
+76.82%
0.254
-249.45%
269.43M
+66.17%
0.418
-797.13%
302.59M
+38.19%
0.531
+104.38%
Estimates Revision
The market is revising Upward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by 0.39% over the past three months. During the same period, the stock price has changed by 92.35%.
Revenue Estimates for FY2025
Revise Upward
up Image
+0.39%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+7.51%
In Past 3 Month
Stock Price
Go Up
up Image
+92.35%
In Past 3 Month
12 Analyst Rating
down Image0
Wall Street analysts forecast UPST stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 65.00 USD with a low forecast of 47.00 USD and a high forecast of 85.00  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
8 Hold
0 Sell
Moderate Buy
down Image0
Current: 78.710
sliders
Low
47.00
Averages
65.00
High
85.00
down Image0
Current: 78.710
sliders
Low
47.00
Averages
65.00
High
85.00
Goldman Sachs
Will Nance
Sell
initiated
$71
2025-07-14
New
Reason
Goldman Sachs
Will Nance
Price Target
$71
2025-07-14
New
initiated
Sell
Reason
Goldman Sachs analyst Will Nance assumed coverage of Upstart with a Sell rating and $71 price target, suggesting 10% downside from current levels. The firm sees take rate compression risk from the company's shift upmarket. Goldman views Upstart as a top marketplace lender, however.
Piper Sandler
Overweight
initiated
$75
2025-06-24
Reason
Piper Sandler
Price Target
$75
2025-06-24
initiated
Overweight
Reason
Stephens
Kyle Joseph
Equal Weight
initiated
$55
2025-06-11
Reason
Stephens
Kyle Joseph
Price Target
$55
2025-06-11
initiated
Equal Weight
Reason
Barclays
Ramsey El-Assal
Equal Weight
maintain
$42 -> $47
2025-05-12
Reason
Barclays
Ramsey El-Assal
Price Target
$42 -> $47
2025-05-12
maintain
Equal Weight
Reason
Barclays analyst Ramsey El-Assal raised the firm's price target on Upstart to $47 from $42 and keeps an Equal Weight rating on the shares.
Barclays
Ramsey El-Assal
Hold
Maintains
$93 → $42
2025-04-14
Reason
Barclays
Ramsey El-Assal
Price Target
$93 → $42
2025-04-14
Maintains
Hold
Reason
Barclays lowered the firm's price target on Upstart to $42 from $93 and keeps an Equal Weight rating on the shares.
Barclays
Ramsey El-Assal
Hold
Maintains
$80 → $93
2025-02-18
Reason
Barclays
Ramsey El-Assal
Price Target
$80 → $93
2025-02-18
Maintains
Hold
Reason
See All Ratings

Valuation Metrics

The current forward P/E ratio for Upstart Holdings Inc (UPST.O) is 46.90, compared to its 5-year average forward P/E of -200.71. 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
-200.71
Current PE
46.90
Overvalued PE
789.55
Undervalued PE
-1190.98

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
99.15
Current EV/EBITDA
37.86
Overvalued EV/EBITDA
302.99
Undervalued EV/EBITDA
-104.70

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
Fair
5Y Average PS
6.81
Current PS
6.56
Overvalued PS
12.01
Undervalued PS
1.62

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
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

    Insider
    Hedge Fund
    Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends 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 are Neutral. There are no significant trading trends over the last month.
Sold
Bought

UPST News & Events

Events Timeline

(ET)
2025-05-06
16:21:45
Upstart sees FY25 revenue of $1.01B, consensus $1.01B
select
2025-05-06
16:20:55
Upstart sees Q2 revenue of about $225M, consensus $226.3M
select
2025-05-06
16:20:13
Upstart reports Q1 EPS 30c, consensus 17c
select
Sign Up For More Events
Sign Up For More Events

News

Preview
5.0
07-17NASDAQ.COM
2 Stocks to Invest in the Stock Market's Hidden $35 Trillion Opportunity

  • Home Equity and Market Opportunities: U.S. homeowners currently hold $35 trillion in home equity, but high interest rates are preventing many from accessing it, presenting a significant opportunity for companies involved in home equity loans, particularly if rates decrease.

  • Potential Winners in the Market: Companies like Rocket Companies and Upstart could greatly benefit from a surge in refinancing and home equity line of credit (HELOC) demand if mortgage rates fall, as both are expanding their services to capitalize on this potential market growth.

Preview
7.5
07-16Newsfilter
Cabrillo Credit Union Selects Upstart for Personal Lending

  • Cabrillo Credit Union Partners with Upstart: Cabrillo Credit Union has partnered with Upstart to offer personal loans through an AI-driven online lending experience, aiming to enhance member relationships and accessibility for consumers in the San Diego community.

  • Growth of Personal Lending Portfolio: The collaboration allows Cabrillo to expand its personal lending portfolio by utilizing Upstart's automated system, which facilitates a seamless transition for qualified applicants into a Cabrillo-branded application process.

Preview
2.0
07-12NASDAQ.COM
Why Upstart Holdings, Inc. (UPST) Dipped More Than Broader Market Today

  • Stock Performance: Upstart Holdings, Inc. (UPST) closed at $75.62, down 4.31% in the latest trading session, but has gained 44.8% over the past month, outperforming both the Finance sector and the S&P 500.

  • Earnings Outlook: The company is set to release its earnings report on August 5, 2025, with projected EPS of $0.27 and revenue of $225.3 million, indicating significant year-over-year growth, while currently holding a Zacks Rank of #3 (Hold).

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 78.71 USD — it has increased 2.27 % 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 fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 65.00 USD with a low forecast of 47.00 USD and a high forecast of 85.00 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 185.48M USD, increased 34.34 % 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 -0.03 USD, decreased -95.95 % 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 Upward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by 0.39% over the past three months. During the same period, the stock price has changed by 92.35%.
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How many employees does Upstart Holdings Inc (UPST). have?

Upstart Holdings Inc (UPST) has 1193 emplpoyees as of July 18 2025.

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What is Upstart Holdings Inc (UPST) market cap?

Today UPST has the market capitalization of 7.32B USD.

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