UPST · Upstart Holdings, Inc.

Track UPST — free

$30.60 +1.49 (+5.12%) At close · Aug 19

Market Cap

$2.83B

97.31M

Up next

Next earnings call

Nov 3, 2026 Est · unconfirmed · in 11 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 4, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Sell Momentum Neutral Sentiment Neutral Fundamentals Excellent Quant / Vol Very High

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Sell

50 / 200-day cross No cross

Price vs 200-day avg −12%

below

Price vs 50-day avg −1%

below

RSI (14) 53

neutral

MACD trend Positive

52-week position 13%

near low

Volume (OBV) Bearish div.

distributing

Momentum

relative strength

Neutral

1-month return +7%

trailing

6-month return +3%

trailing

YTD return −30%

this year

Relative strength −8%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $31 › 200d $35 — 200d above 50d

Institutional flow Accumulating

+7% holders QoQ · +78 funds added

Insider flow Distributing

Net -$539.7K over 90 days · 100% sells

Short interest Falling

25.92% of float · ▼ -3.6% MoM · 7.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

370 holders — mid 3-yr range

Squeeze score 70

high risk · 0–100

Fundamentals

Excellent

Revenue growth +64%

Y/Y

EPS growth +131%

Y/Y

Free cash flow $-148.1M

Buyback $122.1M

remaining

Balance sheet $652.4M

net cash

Quant / Vol

risk profile

Very High

Volatility 67%

annualized · 1-yr

Max drawdown −67%

past year

ATR 5.8%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Beat or met 4 of last 4

Latest guidance · from the 8-K filed Aug 4, 2026

Revenue From Fees · full-year 2026 Initiated $1.3B

Adjusted EBITDA (Margin % of Total Revenue) · full-year 2026 Non-GAAP Initiated $294M

Total Revenue · full-year 2026 Initiated $1.4B

prior FY $1.04B midpoint +34.1% Y/Y

Prior guidance period ended · from the 8-K filed Nov 4, 2025

Total Revenue · fourth quarter of 2025 $288M

Revenue From Fees · fourth quarter of 2025 $262M

Contribution Margin · fourth quarter of 2025 53%

GAAP Net Income · fourth quarter of 2025 $17M

Adjusted Net Income · fourth quarter of 2025 $52M

Total Revenue · full-year 2025 $1.04B

Adjusted EBITDA · fourth quarter of 2025 $63M

Revenue From Fees · full-year 2025 $946M

GAAP Net Income · full-year 2025 $50M

Net Interest Income · full-year 2025 $89M

Adjusted EBITDA Margin · full-year 2025 22%

Guided vs delivered · last 4 settled

Total Revenue fourth quarter of 2025

guided $288M

guided $288M $296.09M Beat +2.8%

Total Revenue full-year 2025

guided $1.04B

guided $1.04B $1.04B Beat +0.9%

Total revenues Q1 of 2024

guided $125M

guided $125M $127.79M Beat +2.2%

Total revenues Q4 of 2023

guided $135M

guided $135M $140.31M Beat +3.9%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell

3 · 3 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

−12% Bearish

Price vs 50-day avg

−1% Neutral

RSI (14)

53 Neutral

MACD trend

Positive Bullish

52-week position

13% Bearish

Volume (OBV)

Bearish div. Bearish

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $31 › 200d $35 — 200d above 50d

Institutional flow Accumulating

+7% holders QoQ · +78 funds added

Insider flow Distributing

Net -$539.7K over 90 days · 100% sells

Short interest Falling

25.92% of float · ▼ -3.6% MoM · 7.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

370 holders — mid 3-yr range

Price context

position in its 52-week range

Range low $24 Now $31 · 13% Range high $74

vs 200-day avg -12% vs 50-day avg -1%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Adjusted EBITDA non-GAAP	117.37M	Six Months Ended June 30	—

Adjusted EBITDA Margin non-GAAP	17%	Six Months Ended June 30	—

Contribution Margin non-GAAP	53%	Six Months Ended June 30	—

Contribution Profit non-GAAP	330.41M	Six Months Ended June 30	—

Conversion Rate	19.2%	Six Months Ended June 30	—

Originations, Dollars	7.67B	Six Months Ended June 30	—
Originations, Number of Loans	983,370	Six Months Ended June 30	—
Percentage of Loans Fully Automated	91%	Six Months Ended June 30	—
Transaction Volume, Dollars	11B	FY2025	—
Transaction Volume, Number of Loans	1,497,149	FY2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Credit Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
UPST Upstart Holdings, Inc. this stock	$2.83B	-30.0%	+64.0%	—	25.9%
V Visa Inc.	$649.98B	+4.2%	-4.9%	—	1.2%
MA Mastercard Inc	$492.55B	+0.5%	+16.4%	30.9	1.0%
AXP American Express Co	$228.61B	-8.1%	+13.4%	20.6	1.8%
COF Capital One Financial Corp	$138.96B	-8.9%	+36.6%	—	1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

370

% held: 78.0%
Net QoQ: +1.5M sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

208

View

Short & Settlement

Short Interest Falling

Shares short

25.2M

Days to cover: 7.3d
Change: -953.4K sh

View

Short Volume

Short vol %

43%

As of: Aug 19, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $1.4K
As of: Jul 31, 2026

View

Off-Exchange

Off-exchange %

39.6%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$539.7K

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Congressional Trades Sell

Member

Thomas Suozzi

Amount: $1.0K–$15.0K
Traded: May 16, 2022

View

Financials

Revenue (FY)

$1.0B

Net income (FY): $53.6M
EPS diluted: $0.45

View

Buybacks

Authorized

$400.0M

Remaining: $122.1M

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q/A

Filed: Aug 5, 2026
This year: 14

View

Proposed Sales

Value

$314.6K

Shares: 10.0K
Filed: Aug 19, 2026

View

Earnings & Events

Earnings Calls

Last call

Aug 4, 2026

View

Performance

	5D	20D	120D	MTD	YTD
UPST	+5.2%	+6.8%	+3.1%	+11.5%	-30.0%
SPY	-0.4%	+2.9%	+11.6%	+3.0%	+12.8%
vs SPY	+5.6%	+3.9%	-8.4%	+8.6%	-42.8%

Capital returns

Buyback program · as of Jun 30, 2026

Authorized

$400.00M

Spent (derived)

$277.90M

Remaining

$122.10M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1647639 CUSIP 91680M107 13F (30d) 343 filings 334 filers Visit website Investor relations

UPST · Upstart Holdings, Inc.

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns