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Upstart Holdings Inc

UPST

47.520USD

+2.560+5.69%

Close 10/31, 16:00（ET）Quotes delayed by 15 min

4.57BMarket Cap

LossP/E TTM



Upstart Holdings Inc

47.520

+2.560+5.69%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Upstart Holdings Inc

Currency: USD Updated: 2025-10-31

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite a weak stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Upstart Holdings Inc's Score

Industry at a Glance

Industry Ranking

100 / 408

Overall Ranking

175 / 4618

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 14 analysts

Buy

Current Rating

78.455

Target Price

+74.50%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Upstart Holdings Inc Highlights

StrengthsRisks

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 635.47M.

Fairly Valued

The company’s latest PB is 6.32, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 63.41M shares, decreasing 0.33% quarter-over-quarter.

Held by Philippe Laffont

Star Investor Philippe Laffont holds 870.95K shares of this stock.

Financial Health

Currency: USD Updated: 2025-10-31

The company's current financial score is 7.93, which is higher than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is average. Its latest quarterly revenue reached 257.29M, representing a year-over-year increase of 97.11%, while its net profit experienced a year-over-year increase of 110.29%.

Score

Industry at a Glance

Previous score

7.93

Change



Financials

8.22

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

6.85

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.40

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.17

Key Metrics

Free cash flow

No Data

Upstart Holdings Inc's Company Valuation

Currency: USD Updated: 2025-10-31

The company’s current valuation score is 8.74, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is -1011.06, which is -99.64% below the recent high of -3.69 and -77.04% above the recent low of -1790.00.

Score

Industry at a Glance

Previous score

8.74

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 100/408

No Data

Earnings Forecast

Currency: USD Updated: 2025-10-31

The company’s current earnings forecast score is 7.14, which is lower than the Banking Services industry's average of 7.39. The average price target for Upstart Holdings Inc is 81.00, with a high of 105.00 and a low of 50.00.

Score

Industry at a Glance

Previous score

7.14

Change

Support & Resistance

No Data

Analyst Rating

Based on 14 analysts

Buy

Current Rating

78.455

Target Price

+74.50%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Upstart Holdings Inc

UPST

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-10-31

The company’s current price momentum score is 7.03, which is lower than the Banking Services industry's average of 7.35. Sideways: Currently, the stock price is trading between the resistance level at 53.61 and the support level at 43.04, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.57

Change

0.46

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(4)

Neutral(2)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

0.348

Neutral

RSI(14)

39.747

Neutral

STOCH(KDJ)(9,3,3)

25.020

Sell

ATR(14)

3.150

Low Volatility

CCI(14)

-103.603

Sell

Williams %R

72.848

Sell

TRIX(12,20)

-0.645

Sell

StochRSI(14)

48.229

Buy

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

48.934

Sell

MA10

50.242

Sell

MA20

50.245

Sell

MA50

58.411

Sell

MA100

64.321

Sell

MA200

59.460

Sell

Institutional Confidence

Currency: USD Updated: 2025-10-31

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 65.91%, representing a quarter-over-quarter decrease of 12.79%. The largest institutional shareholder is The Vanguard, holding a total of 8.24M shares, representing 8.56% of shares outstanding, with 2.93% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Girouard (David)

10.74M

The Vanguard Group, Inc.

Star Investors

8.24M

+3.04%

BlackRock Institutional Trust Company, N.A.

5.63M

+1.86%

Jericho Capital Asset Management L.P.

3.65M

State Street Investment Management (US)

2.08M

+3.35%

Geode Capital Management, L.L.C.

2.01M

+3.80%

Two Sigma Investments, LP

1.99M

-33.24%

Morgan Stanley & Co. LLC

1.43M

+1.79%

Contour Asset Management LLC

1.39M

Risk Assessment

Currency: USD Updated: 2025-10-31

The company’s current risk assessment score is 4.31, which is lower than the Banking Services industry's average of 6.60. The company's beta value is 2.27. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.