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UPST · Upstart Holdings, Inc.

Track UPST — free
$22.85 -0.14 (-0.61%)
Market Cap
$2.32B
Shares
97.31M
Volume · Sep 30 3.51M Avg daily vol (3M) 4.25M

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$22.99 Open$23.34 Day$22.79–23.53 52W close$22.99–52.88 Avg vol 30d4.4M Short int27.6M · 28.4% float · 6.9d Short vol62% Last earningsAug 4, 2026 DataDec 2020–Sep 2026 Filing10-Q · Aug 4

Up next

Next earnings call
Nov 3, 2026 Est · unconfirmed · in 5 wks
filed Aug 4, 2026
call held Aug 4, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$1.25B
Trailing 12 months
Net income (TTM)
$60.33M
Trailing 12 months
Revenue growth YoY
+41.7%
Year over year
Operating margin
4.0%
Trailing 12 months
P / E (TTM)
44.5
Trailing earnings · reciprocal yield 2.2%
FCF yield
-12.5%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$455.96M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+6.7%
Year over year · more shares
Price change (1Y)
-56.1%
Trailing year
Short interest
28.4%
Latest settlement · 6.9 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Strong Sell
SellHoldBuy
Technical Strong Sell Momentum Very Weak Sentiment Neutral Fundamentals Fair Quant / Vol Very High
Market backdrop VIX 16.3 · calm Equity put/call 0.53
Technical
price trend
Strong Sell
50 / 200-day cross No cross
Price vs 200-day avg −29%
below
Price vs 50-day avg −17%
below
RSI (14) 32
neutral
MACD trend Negative
52-week position 0%
near low
Momentum
relative strength
Very Weak
1-month return −16%
trailing
6-month return −16%
trailing
YTD return −47%
this year
Relative strength −28%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $28 › 200d $33 — 200d above 50d
Institutional flow Accumulating
+9% holders QoQ · +78 funds added
Insider flow Distributing
Net -$2.8M over 90 days · 75% sells
Short interest Rising
28.41% of float · ▲ +6.6% MoM · 6.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
376 holders — mid 3-yr range
Squeeze score 71
high risk · 0–100
Fundamentals
Fair
Revenue growth +64%
Y/Y
EPS growth +131%
Y/Y
Free cash flow $-148.1M
Valuation P/E 38.4
rich
Buyback $122.1M
remaining
Balance sheet $1.2B
net debt
Quant / Vol
risk profile
Very High
Volatility 65%
annualized · 1-yr
Max drawdown −57%
past year
ATR 5.1%
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.

Guidance & track record

Beat or met 7 of last 7
Latest guidance · from the 8-K filed Aug 4, 2026
Total Revenue · full-year 2026 Initiated $1.4B
prior FY $1.04B midpoint +34.1% Y/Y
Revenue From Fees · full-year 2026 Initiated $1.3B
Adjusted EBITDA (Margin % of Total Revenue) · full-year 2026 Non-GAAP Initiated $294M
Guided vs delivered · last 7 settled
Revenue third quarter of 2024
guided $150M
$162.14M Beat +8.1%
Revenue second quarter of 2024
guided $125M
$127.63M Beat +2.1%
Revenue first quarter of 2024
guided $125M
$127.79M Beat +2.2%
Revenue fourth quarter of 2023
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 Strong Sell
4 · 2 · 0
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−29% Bearish
Price vs 50-day avg
−17% Bearish
RSI (14)
32 Neutral
MACD trend
Negative Bearish
52-week position
0% Bearish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $28 › 200d $33 — 200d above 50d
Institutional flow Accumulating
+9% holders QoQ · +78 funds added
Insider flow Distributing
Net -$2.8M over 90 days · 75% sells
Short interest Rising
28.41% of float · ▲ +6.6% MoM · 6.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
376 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $23 Now $23 · 0% Range high $53
vs 200-day avg -29% vs 50-day avg -17%

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

Key metrics

Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.

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
$2.32B -47.4% +64.0% 38.4 28.4%
V
Visa Inc.
$655.56B +2.5% -4.9% — 1.0%
MA
Mastercard Inc
$497.27B -3.4% +16.4% 31.2 0.8%
AXP
American Express Co
$206.24B -17.8% +13.4% 18.5 1.6%
COF
Capital One Financial Corp
$119.78B -20.3% +36.6% 11.7 1.6%

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
376
% 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 Rising
Shares short
27.6M
Days to cover
6.9d
Change
+1.7M sh
View
Short Volume
Short vol %
62%
As of
Sep 30, 2026
Short Total
View
Fails to Deliver
FTD shares
13.5K
Value
$349.5K
As of
Sep 10, 2026
View
Off-Exchange
Off-exchange %
39.1%
Week of
Aug 24, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$2.8M
Buyers / Sellers
1 / 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
Investor Event Transcript
Filed
Sep 8, 2026
This year
16
View
Proposed Sales
Value
$3.2M
Shares
116.0K
Filed
Sep 8, 2026
View
Earnings & Events
Earnings Calls
Last call
Sep 8, 2026
View

Performance

5D 20D 120D MTD YTD
UPST -6.0% -16.1% -16.1% -19.8% -47.4%
SPY -0.7% +0.1% +12.2% -0.6% +11.8%
vs SPY -5.3% -16.2% -28.3% -19.3% -59.3%

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) 7 filings 7 filers Visit website Investor relations