/UPST
UPST Stock - Upstart Holdings, Inc.
Financial Services|Financial - Credit ServicesNASDAQ
$47.10+4.09%
+$1.85 (+4.09%) • Jan 13
56
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.40
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).88
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.29
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+18.9%upside
Target: $56.00
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Active Trade Setup
ENTRY ZONE$46.63 – $47.57
TARGET (TP)$56.00
STOP LOSS$43.33
RISK/REWARD1:2.4
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta2.28
52W High$96.43
52W Low$31.40
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $676.96M | $547.72M | $853.29M | $849.89M | $230.08M |
| Gross Profit | $628.83M | $508.12M | $837.76M | $846.61M | $222.05M |
| Gross Margin | 92.9% | 92.8% | 98.2% | 99.6% | 96.5% |
| Operating Income | $-128,396,000 | $-240,025,000 | $-109,074,000 | $133.73M | $5.95M |
| Net Income | $-128,581,000 | $-240,132,000 | $-108,665,000 | $135.44M | $5.98M |
| Net Margin | -19.0% | -43.8% | -12.7% | 15.9% | 2.6% |
| EPS | $-1.44 | $-2.87 | $-1.31 | $1.73 | $0.27 |
Company Overview
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
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Earnings History & Surprises
UPSTBeat Rate
89%
Last 18 quarters
Avg Surprise
+73.3%
EPS vs Estimate
Beats / Misses
16/2
Last 12 quarters
Latest EPS
$0.52
Q4 2025
EPS Surprise History
Q1 24
+26.7%
$-0.11vs$-0.15
Q2 24
+18.4%
$-0.31vs$-0.38
Q3 24
+56.4%
$-0.17vs$-0.39
Q4 24
+59.1%
$-0.06vs$-0.15
Q1 25
+750.0%
$0.26vs$-0.04
Q2 25
+57.9%
$0.30vs$0.19
Q3 25
+33.3%
$0.36vs$0.27
Q4 25
+23.8%
$0.52vs$0.42
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 4, 2026 | — | — | — | — |
Q1 2026 | Feb 10, 2026 | $0.47 | — | — | — |
Q4 2025 | Nov 4, 2025 | $0.42 | $0.52 | +23.8% | ✓ BEAT |
Q3 2025 | Aug 5, 2025 | $0.27 | $0.36 | +33.3% | ✓ BEAT |
Q2 2025 | May 6, 2025 | $0.19 | $0.30 | +57.9% | ✓ BEAT |
Q1 2025 | Feb 11, 2025 | $-0.04 | $0.26 | +750.0% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $-0.15 | $-0.06 | +59.1% | ✓ BEAT |
Q3 2024 | Aug 6, 2024 | $-0.39 | $-0.17 | +56.4% | ✓ BEAT |
Q2 2024 | May 7, 2024 | $-0.38 | $-0.31 | +18.4% | ✓ BEAT |
Q1 2024 | Feb 13, 2024 | $-0.15 | $-0.11 | +26.7% | ✓ BEAT |
Q4 2023 | Nov 7, 2023 | $-0.02 | $-0.05 | -206.7% | ✗ MISS |
Q3 2023 | Aug 8, 2023 | $-0.06 | $0.06 | +200.0% | ✓ BEAT |
Q2 2023 | May 9, 2023 | $-0.82 | $-0.47 | +42.7% | ✓ BEAT |
Q1 2023 | Feb 14, 2023 | $-0.48 | $-0.25 | +47.9% | ✓ BEAT |
Q4 2022 | Nov 8, 2022 | $-0.07 | $-0.24 | -242.9% | ✗ MISS |
Q3 2022 | Aug 8, 2022 | $-0.05 | $0.01 | +120.0% | ✓ BEAT |
Q2 2022 | May 9, 2022 | $0.52 | $0.61 | +17.3% | ✓ BEAT |
Q1 2022 | Feb 15, 2022 | $0.51 | $0.89 | +74.5% | ✓ BEAT |
Q4 2021 | Nov 9, 2021 | $0.31 | $0.60 | +93.5% | ✓ BEAT |
Q3 2021 | Aug 10, 2021 | $0.25 | $0.62 | +148.0% | ✓ BEAT |
Latest News
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Frequently Asked Questions about UPST
What is UPST's current stock price?
Upstart Holdings, Inc. (UPST) is currently trading at $47.10 per share. The stock has moved +4.09% today.
What is the analyst price target for UPST?
The average analyst price target for UPST is $56.00, based on 1 analyst.
What sector is Upstart Holdings, Inc. in?
Upstart Holdings, Inc. operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is UPST's market cap?
Upstart Holdings, Inc. has a market capitalization of $4.58 billion, making it a mid-cap company.
Does UPST pay dividends?
No, Upstart Holdings, Inc. does not currently pay a dividend to shareholders.
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