UPST Company Profile and Key Details

Upstart Holdings, Inc. has 96.22 million shares outstanding. The public float is 84.11 million shares, elevated short interest at 25.00% of float. This equals 21.10 million shares. The short ratio is 2.75 days. Institutional investors hold 83.46% of the float. Insiders own 12.28%. Datta Sanjay holds 276.69 thousand shares, Girouard Dave has 52.61 thousand shares and Mirgorodskaya Natalia has 34.27 thousand shares. Over the past six months, insider transactions show net selling. They sold 23.40 thousand shares across 13 transactions.

UPST has shown mixed momentum, losing -1.41% over the past week and -4.06% over the past quarter, though year-to-date performance is up 2.01%. Short-term trend indicators are bullishly aligned (SMA20 -12.55%, SMA50 -28.97%, SMA200 -44.98%). The stock’s 14-day RSI is 34.41 (weak momentum), while the ATR of 2.28 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -66.01% below its high and over 10.71% above its low. Average 10-day trading volume of 3.59 million shares is below the 3-month average of 5.01 million, indicating normal recent market interest.

Upstart Holdings, Inc. (NASDAQ:UPST) closed at $34.16 USD, gaining $0.80 (2.40%) from the previous close of $33.36. The stock is currently mid-range between its 52-week high and low $23.96 and $87.30. With a market capitalization of about $3.35 billion, Upstart Holdings, Inc. is classified as a mid-cap and shows higher-than-market volatility (beta ~2.16). Key stats such as the average daily volume over the past year has been around 5.18 million shares, in line with its 52-week average. Headquartered in San Mateo, CA, Upstart Holdings, Inc. operates in the Financial Services sector and the Financial - Credit Services industry. Led by CEO David J. Girouard, the company employs approximately 1,193 people and listed since December 16, 2020. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

Upstart Holdings, Inc. last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around -$11.04. This means the shares are trading below this model’s fair value.

Upstart Holdings, Inc. generated EPS of $0.43 over the past year. Five-year average earnings growth is 40.9%. Wall Street analysts project EPS growth of 37.24% annually over the next five years. The latest quarter delivered EPS of $0.52. The next quarter is forecast at $0.39. Next year's EPS is expected at $129.97. Analyst sentiment is bullish. Analyst rating data shows there are 6 Strong Buy ratings, 11 Buy ratings, 7 Hold ratings, 2 Sell rating and 2 Strong Sell ratings. Price targets range from $90.00 to $20.00. The high target offers 204.77% upside. The low target suggests -32.27% downside. The mean target is $57.96. This offers 96.27% upside. Upstart Holdings, Inc. earnings surprise history is a mixed track record. The quarter that ended November 04, 2025, missed forecasts by 23.81%. The prior quarter beat by 33.33%. Over the last six quarters, Apple has recorded several small beats. These include -56.41% in August 06, 2024.

Our AI price prediction model suggests that Upstart Holdings, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 2.34%, with price expected at $30.22 by April 28, 2026, within a range of $29.24 to $31.27 3-Month Outlook: Projected rise of 97.73%, reaching $58.39 by July 13, 2026, with a range of $54.28 to $61.68. 1-Year Outlook: Projected gain of 66.64%, with price at $49.21 by April 14, 2027, within a range of $43.57 to $54.00.

Upstart Holdings, Inc. (NASDAQ:UPST) shares are flat 2.01% year-to-date currently trading near 52-week highs band. Short-term momentum has been negative over the last quarter, despite recent volatility. Valuation shows Upstart Holdings, Inc. trading at a premium to the broader market with a P/E of 53.87. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $57.90, suggesting 96.07% upside. Our AI forecast model points to short-term strength (2.34% over two weeks), a medium-term rise (97.73% over three months), and a longer-term gain (66.64% over one year), with expected trading ranges indicating moderate volatility.

Upstart Holdings, Inc. trades at a P/E ratio of 53.87, slightly above the S&P 500 average, with a price-to-sales ratio of 2.7 and a price-to-book ratio of 3.62 trading at moderately above to book value. The P/FCF stands at -17.47, also below market averages.