UPST
Upstart Holdings, Inc. NASDAQ Listed Dec 16, 2020$29.00
Mkt Cap $2.8B
52w Low $23.96
7.9% of range
52w High $87.30
50d MA $28.88
200d MA $46.51
P/E (TTM)
58.5x
EV/EBITDA
68.1x
P/B
3.9x
Debt/Equity
2.3x
ROE
6.7%
P/FCF
-25.3x
RSI (14)
—
ATR (14)
—
Beta
2.16
50d MA
$28.88
200d MA
$46.51
Avg Volume
5.3M
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.
2950 South Delaware Street · San Mateo, CA 94403 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| May 5, 2026 | AMC | 0.39 | -0.07 | -117.9% | 31.17 | -10.2% | -7.9% | -7.0% | — | — | — | — |
| Feb 10, 2026 | AMC | 0.47 | 0.46 | -2.1% | 38.96 | -3.7% | -15.0% | -22.5% | -21.3% | -17.9% | -19.1% | — |
| Nov 4, 2025 | AMC | 0.42 | 0.52 | +23.8% | 46.24 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% | — |
| Aug 5, 2025 | AMC | 0.27 | 0.36 | +33.3% | 82.62 | -2.7% | -18.7% | -15.8% | -16.8% | -23.2% | -23.3% | — |
| May 6, 2025 | AMC | 0.19 | 0.30 | +57.9% | 51.40 | -16.3% | -9.6% | -6.8% | -8.2% | +3.0% | +4.4% | — |
| Feb 11, 2025 | AMC | -0.04 | 0.26 | +750.0% | 67.34 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% | — |
| Nov 7, 2024 | AMC | -0.15 | -0.06 | +59.1% | 55.47 | +17.7% | +46.0% | +39.7% | +25.2% | +22.2% | +21.5% | — |
| Aug 6, 2024 | AMC | -0.39 | -0.17 | +56.4% | 23.87 | +25.7% | +39.5% | +43.3% | +51.9% | +43.2% | +58.5% | — |
| May 7, 2024 | AMC | -0.38 | -0.31 | +18.4% | 24.47 | -14.6% | -5.6% | +6.9% | +3.8% | +12.1% | +16.8% | — |
| Feb 13, 2024 | AMC | -0.15 | -0.11 | +26.7% | 32.92 | -10.7% | -19.6% | -17.6% | -20.4% | -22.4% | -25.5% | — |
| Nov 7, 2023 | AMC | -0.02 | -0.05 | -206.7% | 29.41 | -27.6% | -27.3% | -28.2% | -29.0% | -25.7% | -13.5% | — |
| Aug 8, 2023 | AMC | -0.06 | 0.06 | +200.0% | 51.75 | -17.3% | -34.2% | -38.1% | -35.3% | -32.7% | -36.0% | — |
| May 9, 2023 | AMC | -0.82 | -0.47 | +42.7% | 14.09 | +39.4% | +34.6% | +19.0% | +16.3% | +43.8% | +37.5% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Apr 9 | BTIG | Maintains | Buy → Buy | — | $27.31 | $27.19 | -0.4% | +0.4% | -0.2% | +2.7% | +8.1% | +22.2% |
| Mar 26 | Mizuho | Maintains | Outperform → Outperform | — | $26.09 | $25.54 | -2.1% | -2.9% | -5.1% | -7.2% | -1.7% | -2.8% |
| Mar 16 | BTIG | Upgrade | Neutral → Buy | — | $26.36 | $27.73 | +5.2% | +5.4% | +5.6% | -2.0% | +1.6% | -1.4% |
| Mar 11 | Needham | Maintains | Buy → Buy | — | $28.16 | $29.01 | +3.0% | -2.5% | -8.5% | -6.4% | -1.3% | -1.2% |
| Mar 4 | Needham | Maintains | Buy → Buy | — | $28.24 | $28.53 | +1.0% | +0.4% | +1.3% | -1.6% | -1.1% | -0.3% |
| Feb 18 | Citizens | Maintains | Market Underperform → Market Underperform | — | $31.97 | $32.21 | +0.8% | -1.4% | -4.1% | -8.4% | -14.7% | -12.0% |
| Feb 17 | Compass Point | Upgrade | Sell → Neutral | — | $30.68 | $30.97 | +0.9% | +4.2% | +2.8% | -0.1% | -4.5% | -11.1% |
| Feb 13 | Goldman Sachs | Upgrade | Sell → Neutral | — | $30.19 | $29.87 | -1.1% | +1.6% | +5.9% | +4.4% | +1.5% | -3.0% |
| Feb 13 | Citizens | Downgrade | Market Perform → Market Underperform | — | $30.19 | $29.87 | -1.1% | +1.6% | +5.9% | +4.4% | +1.5% | -3.0% |
| Feb 11 | Truist | Maintains | Buy → Buy | — | $38.96 | $37.52 | -3.7% | -15.0% | -22.5% | -21.3% | -17.9% | -19.1% |
| Feb 11 | Needham | Maintains | Buy → Buy | — | $38.96 | $37.52 | -3.7% | -15.0% | -22.5% | -21.3% | -17.9% | -19.1% |
| Nov 5 | JP Morgan | Maintains | Overweight → Overweight | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Nov 5 | BTIG | Maintains | Neutral → Neutral | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Nov 5 | BofA Securities | Maintains | Neutral → Neutral | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Nov 5 | Piper Sandler | Maintains | Overweight → Overweight | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Nov 5 | Stephens & Co. | Maintains | Equal Weight → Equal Weight | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Nov 5 | Needham | Maintains | Buy → Buy | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Nov 5 | Citigroup | Maintains | Buy → Buy | — | $46.24 | $39.38 | -14.8% | -9.7% | -18.4% | -16.5% | -16.2% | -15.8% |
| Oct 13 | Goldman Sachs | Maintains | Sell → Sell | — | $48.58 | $49.57 | +2.0% | +2.1% | +3.7% | +5.1% | -1.6% | -4.3% |
| Aug 20 | JP Morgan | Upgrade | Neutral → Overweight | — | $61.59 | $63.31 | +2.8% | +3.7% | +3.1% | +11.8% | +12.3% | +11.9% |
| Aug 6 | Morgan Stanley | Maintains | Equal Weight → Equal Weight | — | $82.62 | $80.39 | -2.7% | -18.7% | -15.8% | -16.8% | -23.2% | -23.3% |
| Aug 6 | Piper Sandler | Maintains | Overweight → Overweight | — | $82.62 | $80.39 | -2.7% | -18.7% | -15.8% | -16.8% | -23.2% | -23.3% |
| Aug 6 | Needham | Maintains | Buy → Buy | — | $82.62 | $80.39 | -2.7% | -18.7% | -15.8% | -16.8% | -23.2% | -23.3% |
| Aug 6 | BofA Securities | Maintains | Neutral → Neutral | — | $82.62 | $80.39 | -2.7% | -18.7% | -15.8% | -16.8% | -23.2% | -23.3% |
| May 19 | Needham | Maintains | Buy → Buy | — | $48.08 | $45.91 | -4.5% | -1.3% | -3.0% | -8.7% | -5.1% | -5.9% |
| May 12 | Barclays | Maintains | Equal Weight → Equal Weight | — | $47.17 | $50.91 | +7.9% | +12.3% | +13.8% | +8.8% | +0.5% | +1.9% |
| May 8 | Goldman Sachs | Maintains | Sell → Sell | — | $46.44 | $48.03 | +3.4% | +3.2% | +1.6% | +14.0% | +15.6% | +10.5% |
| May 7 | Needham | Maintains | Buy → Buy | — | $51.40 | $43.02 | -16.3% | -9.6% | -6.8% | -8.2% | +3.0% | +4.4% |
| May 7 | Morgan Stanley | Maintains | Equal Weight → Equal Weight | — | $51.40 | $43.02 | -16.3% | -9.6% | -6.8% | -8.2% | +3.0% | +4.4% |
| May 7 | Piper Sandler | Maintains | Overweight → Overweight | — | $51.40 | $43.02 | -16.3% | -9.6% | -6.8% | -8.2% | +3.0% | +4.4% |
| Apr 29 | BofA Securities | Upgrade | Underperform → Neutral | — | $48.10 | $50.01 | +4.0% | +2.3% | -0.6% | -0.9% | +4.1% | +8.1% |
| Apr 14 | Barclays | Maintains | Equal Weight → Equal Weight | — | $38.99 | $40.51 | +3.9% | +2.5% | +3.7% | +1.1% | +5.0% | +1.9% |
| Feb 18 | Barclays | Maintains | Equal Weight → Equal Weight | — | $82.42 | $83.30 | +1.1% | +5.4% | +0.8% | -3.9% | -12.9% | -14.5% |
| Feb 14 | Morgan Stanley | Upgrade | Underweight → Equal Weight | — | $84.16 | $80.19 | -4.7% | -2.1% | +3.2% | -1.2% | -5.9% | -14.7% |
| Feb 13 | Citigroup | Maintains | Buy → Buy | — | $88.77 | $87.79 | -1.1% | -5.2% | -7.2% | -2.1% | -6.4% | -10.8% |
| Feb 12 | Needham | Maintains | Buy → Buy | — | $67.34 | $83.44 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% |
| Feb 12 | Goldman Sachs | Maintains | Sell → Sell | — | $67.34 | $83.44 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% |
| Feb 12 | B. Riley Securities | Upgrade | Neutral → Buy | — | $67.34 | $83.44 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% |
| Feb 12 | Piper Sandler | Maintains | Overweight → Overweight | — | $67.34 | $83.44 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% |
| Feb 12 | JP Morgan | Upgrade | Underweight → Neutral | — | $67.34 | $83.44 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% |
| Feb 12 | BofA Securities | Maintains | Underperform → Underperform | — | $67.34 | $83.44 | +23.9% | +31.8% | +25.0% | +22.4% | +29.0% | +23.4% |
| Dec 13 | Needham | Upgrade | Hold → Buy | — | $77.08 | $80.21 | +4.1% | +9.6% | +8.9% | +7.7% | -4.9% | -12.8% |
| Dec 3 | Redburn Atlantic | Upgrade | Neutral → Buy | — | $67.39 | $68.50 | +1.6% | +8.0% | +10.7% | +8.9% | +14.5% | +13.4% |
| Dec 2 | JP Morgan | Downgrade | Neutral → Underweight | — | $78.79 | $74.66 | -5.2% | -14.5% | -7.6% | -5.3% | -6.8% | -2.1% |
| Nov 11 | BTIG | Upgrade | Sell → Neutral | — | $81.00 | $79.39 | -2.0% | -4.3% | -14.3% | -16.3% | -16.8% | -15.6% |
| Nov 8 | Citigroup | Upgrade | Neutral → Buy | — | $55.47 | $65.27 | +17.7% | +46.0% | +39.7% | +25.2% | +22.2% | +21.5% |
| Nov 8 | JP Morgan | Upgrade | Underweight → Neutral | — | $55.47 | $65.27 | +17.7% | +46.0% | +39.7% | +25.2% | +22.2% | +21.5% |
| Nov 8 | Wedbush | Maintains | Neutral → Neutral | — | $55.47 | $65.27 | +17.7% | +46.0% | +39.7% | +25.2% | +22.2% | +21.5% |
| Nov 8 | Piper Sandler | Upgrade | Neutral → Overweight | — | $55.47 | $65.27 | +17.7% | +46.0% | +39.7% | +25.2% | +22.2% | +21.5% |
| Oct 19 | Citigroup | Maintains | Neutral → Neutral | — | — | — | — | — | — | — | — | — |
| Date | Insider | Title | Type | Shares | Price | Value | Owned After | D1% | D5% |
|---|---|---|---|---|---|---|---|---|---|
| May 7, 2026 | Girouard DaveDir | — | Buy | 300 | $29.76 | $9K | 8,512,941 | — | — |
| May 7, 2026 | Girouard DaveDir | — | Buy | 169,940 | $29.37 | $5.0M | 8,512,641 | — | — |
8-K · 8.01
!! High
Unknown — 8-K 8.01: Material Event / Announcement
Upstart's application for a national bank charter could enable direct lending operations, reduce reliance on bank partners, and improve profit margins through capturing more of the lending spread.
Mar 10
8-K · 8.01
!! High
Upstart Holdings, Inc. -- 8-K 8.01: Material Event / Announcement
Upstart repurchased $100 million of its common stock at $31.31 per share, reducing share count and demonstrating management confidence in the company's valuation.
Feb 19
8-K · 5.02
!!! Very High
Upstart Holdings, Inc. -- 8-K 5.02: Executive Change
Upstart Holdings promoted Paul Gu to Executive Chairman while appointing Sanjay Datta as President and Andrea Blankmeyer as CFO, signaling significant leadership restructuring effective May 2026.
Feb 10
8-K
Upstart Holdings, Inc. -- 8-K Filing
Upstart Holdings reported fourth quarter and full year 2025 financial results while announcing leadership changes, signaling potential strategic shifts in management direction.
Feb 10
Data updated apr 27, 2026 6:56am
· Source: massive.com