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Upstart Holdings Inc

UPST

24.770USD

-0.560-2.21%

Close 03/27, 16:00（ET）Quotes delayed by 15 min

1.79BMarket Cap

44.38P/E TTM



Upstart Holdings Inc

24.770

-0.560-2.21%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-03-27

Key Insights

Upstart Holdings Inc's fundamentals are relatively very healthy, with industry-average ESG disclosure.and its growth potential is significant.Its valuation is considered fairly valued, ranking 122 out of 400 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 50.40.In the medium term, the stock price is expected to trend down.Despite a weak stock market performance over the past month, the company shows strong fundamentals.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

122 / 400

Overall Ranking

200 / 4542

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

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. Its 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, and others.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 69.51% year-on-year.

Turnaround to Profit

The company's performance has turned profitable, with the latest annual net income of USD .

Undervalued

The company’s latest PB is 3.04, at a low 3-year percentile range.

Institutional Buying

The latest institutional holdings are 71.86M shares, increasing 3.59% quarter-over-quarter.

Held by Joel Greenblatt

Star Investor Joel Greenblatt holds 5.10K shares of this stock.

Analyst Rating

Based on 16 analysts

Buy

Current Rating

50.397

Target Price

+89.46%

Upside Space

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

Financial Health

Currency: USD Updated: 2026-03-27

The current financial score of Upstart Holdings Inc is 6.94, ranking 229 out of 400 in the Banking Services industry. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 265.22M, representing a year-over-year increase of 33.09%, while its net profit experienced a year-over-year increase of 776.44%.

Score

Industry at a Glance

Previous score

6.94

Change



Financials

9.89

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

7.19

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

5.62

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

5.34

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

6.63

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Upstart Holdings Inc's Company Valuation

Currency: USD Updated: 2026-03-27

The current valuation score of Upstart Holdings Inc is 8.74, ranking 49 out of 400 in the Banking Services industry. Its current P/E ratio is 44.38, which is 158.63% below the recent high of 114.77 and 4133.60% 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 122/400

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-03-27

The current earnings forecast score of Upstart Holdings Inc is 7.00, ranking 190 out of 400 in the Banking Services industry. The average price target is 60.50, with a high of 86.00 and a low of 40.00.

Score

Industry at a Glance

Previous score

7.25

Change

-0.25

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 16 analysts

Buy

Current Rating

50.397

Target Price

+89.46%

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

Relevant data have not been disclosed by the company yet.

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: 2026-03-27

The current price momentum score of Upstart Holdings Inc is 5.40, ranking 386 out of 400 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 28.09 and the support level at 22.94, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

5.32

Change

0.08

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(3)

Neutral(2)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

0.503

Neutral

RSI(14)

35.554

Neutral

STOCH(KDJ)(9,3,3)

14.353

Sell

ATR(14)

1.724

Low Volatility

CCI(14)

-172.035

Sell

Williams %R

93.155

Oversold

TRIX(12,20)

-0.863

Sell

StochRSI(14)

0.000

Oversold

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

26.140

Sell

MA10

26.490

Sell

MA20

27.092

Sell

MA50

33.204

Sell

MA100

38.813

Sell

MA200

51.567

Sell

Institutional Confidence

Currency: USD Updated: 2026-03-27

The current institutional shareholding score of Upstart Holdings Inc is 7.00, ranking 56 out of 400 in the Banking Services industry. The latest institutional shareholding proportion is 73.87%, representing a quarter-over-quarter increase of 11.48%. The largest institutional shareholder is The Vanguard, holding a total of 8.05M shares, representing 8.49% of shares outstanding, with 1.00% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

Girouard (David)

10.74M

The Vanguard Group, Inc.

Star Investors

8.22M

-0.22%

BlackRock Institutional Trust Company, N.A.

5.67M

+0.60%

Jericho Capital Asset Management L.P.

4.48M

+22.63%

Morgan Stanley & Co. LLC

1.23M

-13.72%

Geode Capital Management, L.L.C.

2.04M

+1.63%

State Street Investment Management (US)

2.05M

-1.19%

Goldman Sachs & Company, Inc.

1.29M

+24.01%

Risk Assessment

Currency: USD Updated: 2026-03-27

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Upstart Holdings Inc is 4.61, ranking 311 out of 400 in the Banking Services industry. The company's beta value is 2.18. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets. Upstart Holdings Inc’s latest ESG disclosure is at an average level in the Banking Services industry, showing no material impact on overall risk.