Upstart Holdings, Inc. (UPST)Financial Services | Credit Services | San Mateo, United States | NasdaqGS
31.46 USD
-1.28
(-3.910%) ⇩
(July 13, 2026, 4 p.m.
EDT)
After hours: 31.54 +0.08 (0.254%) ⇧ (July 13, 2026, 7:59 p.m. EDT) |
Hot Take ↕ | July 11, 2026, 4:43 a.m. EDT
The long-term outlook remains neutral due to a lack of consistent multi-year price appreciation, despite a recent surge in revenue growth and a massive rebound in stock price over the last year. While the business shows signs of recovery with strong top-line expansion, the market has yet to fully validate the sustainability of these gains, resulting in a valuation that is still stretched relative to historical norms. The short-term picture is more dynamic; the stock is trading above its 50-day moving average, showing positive momentum, but the options chain reveals a tense standoff between bulls betting on a continuation of the rally and bears hedging against a potential earnings miss. With no dividend to provide a floor, the investment case relies entirely on the company's ability to prove its credit algorithms can scale profitably without eroding margins. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.110120 |
| AutoARIMA | 0.119818 |
| AutoETS | 0.119820 |
| AutoTheta | 0.130306 |
| MSTL_115 | 0.160483 |
Forecast horizon: 60 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 34% |
| H-stat | 1.28 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.395 |
| Excess Kurtosis | -0.62 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 269.844 |
| Revenue per Share | 12.139 |
| Market Cap | 3,011,085,824 |
| Trailing P/E | 76.73 |
| Forward P/E | 9.33 |
| Beta | 2.27 |
| Profit Margins | 4.21% |
| Website | https://www.upstart.com |
As of July 11, 2026, 4:43 a.m. EDT: Speculators are positioning for significant volatility rather than a clear directional breakout. Call open interest is heavily skewed out-of-the-money (OTM) at strikes like $40 and $42, suggesting a bullish bias for a sharp rally. However, put volume and open interest are equally aggressive near the money ($28-$32 range), creating a dense 'wall' of downside protection. This heavy bilateral positioning indicates the market expects a binary event—likely earnings-related given the upcoming schedule—where the stock could gap significantly in either direction, keeping implied volatility elevated.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.56337935 |
| Address1 | 2,950 South Delaware Street |
| Address2 | Suite 410 |
| All Time High | 401.49 |
| All Time Low | 11.93 |
| Ask | 36.96 |
| Ask Size | 1 |
| Audit Risk | 4 |
| Average Analyst Rating | 2.1 - Buy |
| Average Daily Volume10 Day | 4,385,330 |
| Average Daily Volume3 Month | 4,763,168 |
| Average Volume | 4,763,168 |
| Average Volume10Days | 4,385,330 |
| Beta | 2.267 |
| Bid | 23.92 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 7.66 |
| City | San Mateo |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 8 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 31.46 |
| Current Ratio | 11.648 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 33.29 |
| Day Low | 31.175 |
| Debt To Equity | 269.844 |
| Display Name | Upstart |
| Earnings Call Timestamp End | 1,785,873,600 |
| Earnings Call Timestamp Start | 1,785,873,600 |
| Earnings Timestamp | 1,785,873,600 |
| Earnings Timestamp End | 1,785,873,600 |
| Earnings Timestamp Start | 1,785,873,600 |
| Ebitda | 98,916,000 |
| Ebitda Margins | 0.08428001 |
| Enterprise To Ebitda | 45.643 |
| Enterprise To Revenue | 3.847 |
| Enterprise Value | 4,514,824,192 |
| Eps Current Year | 2.35485 |
| Eps Forward | 3.3705 |
| Eps Trailing Twelve Months | 0.41 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 31.3238 |
| Fifty Day Average Change | 0.13619995 |
| Fifty Day Average Change Percent | 0.00434813 |
| Fifty Two Week Change Percent | -56.337936 |
| Fifty Two Week High | 87.3 |
| Fifty Two Week High Change | -55.840004 |
| Fifty Two Week High Change Percent | -0.6396335 |
| Fifty Two Week Low | 23.965 |
| Fifty Two Week Low Change | 7.494999 |
| Fifty Two Week Low Change Percent | 0.31274772 |
| Fifty Two Week Range | 23.965 - 87.3 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,608,129,000,000 |
| Float Shares | 82,190,396 |
| Forward Eps | 3.3705 |
| Forward P E | 9.333926 |
| Free Cashflow | -312,582,368 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 1,405 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.82707 |
| Gross Profits | 970,742,976 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.1301 |
| Held Percent Institutions | 0.61923003 |
| Implied Shares Outstanding | 95,711,569 |
| 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 | 3,011,085,824 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_306975137 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 49,402,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 3,133,596,769 |
| Number Of Analyst Opinions | 15 |
| Open | 32.7 |
| Operating Cashflow | -267,536,000 |
| Operating Margins | 0.00895 |
| Overall Risk | 8 |
| Payout Ratio | 0.0 |
| Phone | 833 212 2461 |
| Post Market Change | 0.08000183 |
| Post Market Change Percent | 0.254297 |
| Post Market Price | 31.54 |
| Post Market Time | 1,783,987,166 |
| Previous Close | 32.74 |
| Price Eps Current Year | 13.359661 |
| Price Hint | 2 |
| Price To Book | 4.1070495 |
| Price To Sales Trailing12 Months | 2.565434 |
| Profit Margins | 0.042090002 |
| Quick Ratio | 2.836 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.13333 |
| Region | US |
| Regular Market Change | -1.28 |
| Regular Market Change Percent | -3.9096 |
| Regular Market Day High | 33.29 |
| Regular Market Day Low | 31.175 |
| Regular Market Day Range | 31.175 - 33.29 |
| Regular Market Open | 32.7 |
| Regular Market Previous Close | 32.74 |
| Regular Market Price | 31.46 |
| Regular Market Time | 1,783,972,800 |
| Regular Market Volume | 2,861,226 |
| Return On Assets | 0.01774 |
| Return On Equity | 0.07008 |
| Revenue Growth | 0.446 |
| Revenue Per Share | 12.139 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 95,711,569 |
| Shares Percent Shares Out | 0.27 |
| Shares Short | 25,838,509 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 27,642,739 |
| Short Name | Upstart Holdings, Inc. |
| Short Percent Of Float | 0.3096 |
| Short Ratio | 5.47 |
| Source Interval | 15 |
| State | CA |
| Symbol | UPST |
| Target High Price | 80.0 |
| Target Low Price | 20.0 |
| Target Mean Price | 41.06667 |
| Target Median Price | 40.0 |
| Total Cash | 474,663,008 |
| Total Cash Per Share | 4.959 |
| Total Debt | 1,978,401,024 |
| Total Revenue | 1,173,714,048 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.41 |
| Trailing P E | 76.731705 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 37.9 |
| Two Hundred Day Average Change | -6.4400024 |
| Two Hundred Day Average Change Percent | -0.1699209 |
| Type Disp | Equity |
| Volume | 2,861,226 |
| Website | https://www.upstart.com |
| Zip | 94,403 |