Upstart Holdings, Inc. (UPST)Financial Services | Credit Services | San Mateo, United States | NasdaqGS
34.23 USD
-0.63
(-1.807%) ⇩
(April 21, 2026, 11:52 a.m.
EDT)
Short-term: ★★★☆☆ | Long-term: ★★☆☆☆ | Dividends: ☆☆☆☆☆ |
Hot Take | April 18, 2026, 11:08 p.m. EDT
UPST is in a high-variance 'bounce' phase with strong speculative Call flow targeting a breakthrough above $40, driven by catalyst anticipation (earnings). However, the long-term outlook remains cautionary due to negative free cash flow and a massive discount to historical valuations, making it a volatile beta play rather than a core long-term asset at current levels. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.416227 |
| AutoARIMA | 0.418293 |
| AutoETS | 0.418877 |
| AutoTheta | 0.442098 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 41% |
| H-stat | 2.93 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.019 |
| Excess Kurtosis | 0.06 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 237.456 |
| Revenue per Share | 11.2 |
| Market Cap | 3,276,059,648 |
| Trailing P/E | 76.07 |
| Forward P/E | 10.78 |
| Beta | 2.16 |
| Profit Margins | 4.98% |
| Website | https://www.upstart.com |
As of April 18, 2026, 11:08 p.m. EDT: Options data reveals a bullish skewe, with Call Open Interest (OI) dominating significantly above the money (3DTE $40 strike: 4.9k vs 263 OI at $17; 5DTE $40 strike: 4.9k vs 263 OTM). However, deep ITM Call OI exists at $50 (3.6k) and $130 (279), suggesting multi-month directional bias. Crucially, significant Put OI is 'stacked' on lower strikes across multiple expirations, notably $20 OTM (1.4k+ OI) and $26 OTM (1.2k+), creating a support zone. The Short Straddle/Strangle dynamic is active with high IV at wings, but the superior Call positioning above $35 indicates an anticipation of upside momentum ahead of earnings.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.16861433 |
| Address1 | 2,950 South Delaware Street |
| Address2 | Suite 410 |
| All Time High | 401.49 |
| All Time Low | 11.93 |
| Ask | 39.0 |
| Ask Size | 2 |
| Audit Risk | 3 |
| Average Analyst Rating | 2.1 - Buy |
| Average Daily Volume10 Day | 4,764,650 |
| Average Daily Volume3 Month | 5,241,683 |
| Average Volume | 5,241,683 |
| Average Volume10Days | 4,764,650 |
| Beta | 2.163 |
| Bid | 25.28 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 8.148 |
| City | San Mateo |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 34.23 |
| Current Ratio | 13.103 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 35.8 |
| Day Low | 34.22 |
| Debt To Equity | 237.456 |
| Display Name | Upstart |
| Earnings Call Timestamp End | 1,778,013,000 |
| Earnings Call Timestamp Start | 1,778,013,000 |
| Earnings Timestamp | 1,778,011,200 |
| Earnings Timestamp End | 1,778,011,200 |
| Earnings Timestamp Start | 1,778,011,200 |
| Ebitda | 99,130,000 |
| Ebitda Margins | 0.09217 |
| Enterprise To Ebitda | 46.985 |
| Enterprise To Revenue | 4.331 |
| Enterprise Value | 4,657,582,080 |
| Eps Current Year | 2.27574 |
| Eps Forward | 3.17559 |
| Eps Trailing Twelve Months | 0.45 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 28.9132 |
| Fifty Day Average Change | 5.316799 |
| Fifty Day Average Change Percent | 0.1838883 |
| Fifty Two Week Change Percent | -16.861433 |
| Fifty Two Week High | 87.3 |
| Fifty Two Week High Change | -53.070004 |
| Fifty Two Week High Change Percent | -0.6079038 |
| Fifty Two Week Low | 23.965 |
| Fifty Two Week Low Change | 10.264999 |
| Fifty Two Week Low Change Percent | 0.42833295 |
| Fifty Two Week Range | 23.965 - 87.3 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,608,129,000,000 |
| Float Shares | 80,178,822 |
| Forward Eps | 3.17559 |
| Forward P E | 10.779099 |
| Free Cashflow | -275,449,632 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,405 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.82485 |
| Gross Profits | 887,144,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.1293 |
| Held Percent Institutions | 0.67896 |
| Implied Shares Outstanding | 95,707,260 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Ipo Expected Date | 2,020-12-16 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California. |
| Long Name | Upstart Holdings, Inc. |
| Market | us_market |
| Market Cap | 3,276,059,648 |
| Market State | REGULAR |
| Max Age | 86,400 |
| Message Board Id | finmb_306975137 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 53,601,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,336,355,083 |
| Number Of Analyst Opinions | 15 |
| Open | 35.2 |
| Operating Cashflow | -147,724,992 |
| Operating Margins | 0.08876 |
| Overall Risk | 9 |
| Payout Ratio | 0.0 |
| Phone | 833 212 2461 |
| Previous Close | 34.86 |
| Price Eps Current Year | 15.041262 |
| Price Hint | 2 |
| Price To Book | 4.201031 |
| Price To Sales Trailing12 Months | 3.046021 |
| Profit Margins | 0.049840003 |
| Quick Ratio | 4.137 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.13333 |
| Region | US |
| Regular Market Change | -0.63000107 |
| Regular Market Change Percent | -1.8072319 |
| Regular Market Day High | 35.8 |
| Regular Market Day Low | 34.22 |
| Regular Market Day Range | 34.22 - 35.8 |
| Regular Market Open | 35.2 |
| Regular Market Previous Close | 34.86 |
| Regular Market Price | 34.23 |
| Regular Market Time | 1,776,786,775 |
| Regular Market Volume | 1,895,243 |
| Return On Assets | 0.01739 |
| Return On Equity | 0.07486 |
| Revenue Growth | 0.344 |
| Revenue Per Share | 11.2 |
| Sand P52 Week Change | 0.34445214 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 95,707,260 |
| Shares Percent Shares Out | 0.2914 |
| Shares Short | 27,640,735 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 24,910,913 |
| Short Name | Upstart Holdings, Inc. |
| Short Percent Of Float | 0.33290002 |
| Short Ratio | 5.37 |
| Source Interval | 15 |
| State | CA |
| Symbol | UPST |
| Target High Price | 80.0 |
| Target Low Price | 20.0 |
| Target Mean Price | 43.93333 |
| Target Median Price | 43.0 |
| Total Cash | 657,670,016 |
| Total Cash Per Share | 6.707 |
| Total Debt | 1,896,835,968 |
| Total Revenue | 1,075,521,024 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.45 |
| Trailing P E | 76.066666 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 49.168076 |
| Two Hundred Day Average Change | -14.938076 |
| Two Hundred Day Average Change Percent | -0.30381656 |
| Type Disp | Equity |
| Volume | 1,895,242 |
| Website | https://www.upstart.com |
| Zip | 94,403 |