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UPST · Upstart Holdings, Inc.

Track UPST — free
$27.41 -1.27 (-4.44%) At close · Sep 1
Market Cap
$2.83B
Shares
97.31M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$28.68 Open$28.62 Day$28.00–29.04 52W close$24.22–69.17 Avg vol 30d4.4M Short int24.8M · 25.5% float · 4.7d Short vol59% Last earningsAug 4, 2026 DataDec 2020–Aug 2026 Filing10-Q · Aug 4

Up next

Next earnings call
Nov 3, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 4, 2026

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Strong Sell Momentum Very Weak Sentiment Neutral Fundamentals Strong Quant / Vol Very High
Market backdrop VIX 16.3 · calm Equity put/call 0.70
Technical
price trend
Strong Sell
50 / 200-day cross No cross
Price vs 200-day avg −16%
below
Price vs 50-day avg −6%
below
RSI (14) 44
neutral
MACD trend Negative
52-week position 10%
near low
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Very Weak
1-month return −3%
trailing
6-month return +2%
trailing
YTD return −34%
this year
Relative strength −11%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $31 › 200d $34 — 200d above 50d
Institutional flow Accumulating
+8% holders QoQ · +79 funds added
Insider flow Distributing
Net -$1.3M over 90 days · 100% sells
Short interest Falling
25.46% of float · ▼ -1.8% MoM · 4.7 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
373 holders — mid 3-yr range
Squeeze score 66
elevated · 0–100
Fundamentals
Strong
Revenue growth +64%
Y/Y
EPS growth +131%
Y/Y
Free cash flow $-148.1M
Buyback $122.1M
remaining
Quant / Vol
risk profile
Very High
Volatility 67%
annualized · 1-yr
Max drawdown −67%
past year
ATR 6.1%
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.

Technicals

trend & momentum for long-term holders Strong Sell
4 · 3 · 0
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−16% Bearish
Price vs 50-day avg
−6% Bearish
RSI (14)
44 Neutral
MACD trend
Negative Bearish
52-week position
10% Bearish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross) No cross
50d $31 › 200d $34 — 200d above 50d
Institutional flow Accumulating
+8% holders QoQ · +79 funds added
Insider flow Distributing
Net -$1.3M over 90 days · 100% sells
Short interest Falling
25.46% of float · ▼ -1.8% MoM · 4.7 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
373 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $24 Now $29 · 10% Range high $69
vs 200-day avg -16% vs 50-day avg -6%

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

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 -34.4% +64.0% 25.5%
V
Visa Inc.
$680.94B +8.2% -4.9% 1.2%
MA
Mastercard Inc
$521.49B +3.2% +16.4% 32.7 0.8%
AXP
American Express Co
$222.97B -12.4% +13.4% 20.1 1.6%
COF
Capital One Financial Corp
$133.68B -11.5% +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
373
% held
78.2%
Net QoQ
+1.6M sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
207
View
Short & Settlement
Short Interest Falling
Shares short
24.8M
Days to cover
4.7d
Change
-444.4K sh
View
Short Volume
Short vol %
59%
As of
Sep 1, 2026
Short Total
View
Fails to Deliver
FTD shares
18.4K
Value
$550.0K
As of
Aug 12, 2026
View
Off-Exchange
Off-exchange %
39.2%
Week of
Jul 27, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$1.3M
Buyers / Sellers
0 / 3
Buyers Sellers
View
Congressional Trades Sell
Member
Thomas Suozzi
Amount
$1.0K–$15.0K
Traded
May 16, 2022
View
Financials
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
15
View
Proposed Sales
Value
$27.4K
Shares
913
Filed
Aug 25, 2026
View
Earnings & Events
Earnings Calls Upcoming
Next call
Sep 8, 2026
Last call
Aug 4, 2026
View
Investor Relations
Upcoming events
1
View

Performance

5D 20D 120D MTD YTD
UPST -4.1% -2.6% +1.9% +4.5% -34.4%
SPY +0.5% +1.2% +13.3% +2.7% +12.5%
vs SPY -4.5% -3.8% -11.4% +1.8% -46.9%

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) 282 filings 268 filers Visit website Investor relations