UPST Company Profile and Key Details

Upstart Holdings, Inc. has 97.31 million shares outstanding. The public float is 83.80 million shares, elevated short interest at 29.65% of float. This equals 25.22 million shares. The short ratio is 6.95 days. Institutional investors hold 72.49% of the float. Insiders own 12.75%. Girouard Dave holds 8.51 million shares, Datta Sanjay has 476.58 thousand shares and Blankmeyer Andrea has 152.21 thousand shares. Over the past six months, insider transactions show net selling. They sold 189.83 thousand shares across 18 transactions.

UPST has shown mixed momentum, losing -1.41% over the past week and -4.06% over the past quarter, though year-to-date performance is up 2.01%. Short-term trend indicators are bullishly aligned (SMA20 -12.55%, SMA50 -28.97%, SMA200 -44.98%). The stock’s 14-day RSI is 34.41 (weak momentum), while the ATR of 2.28 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -66.01% below its high and over 10.71% above its low. Average 10-day trading volume of 4.10 million shares is in line with the 3-month average of 4.15 million, indicating normal recent market interest.

Upstart Holdings, Inc. generated EPS of $0.43 over the past year. Five-year average earnings growth is 40.9%. Wall Street analysts project EPS growth of 37.24% annually over the next five years. The latest quarter delivered EPS of $0.16. The next quarter is forecast at $0.39. Next year's EPS is expected at $129.97. Analyst sentiment is bullish. Analyst rating data shows there are 5 Strong Buy ratings, 17 Buy ratings, 6 Hold ratings, 1 Sell rating and 2 Strong Sell ratings. Price targets range from $80.00 to $20.00. The high target offers 212.74% upside. The low target suggests -21.81% downside. The mean target is $47.06. This offers 83.97% upside. Upstart Holdings, Inc. earnings surprise history is a mixed track record. The quarter that ended August 04, 2026, missed forecasts by -15.97%. The prior quarter beat by -23.08%. Over the last six quarters, Apple has recorded several small beats. These include 57.89% in May 06, 2025.

Upstart Holdings, Inc. last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around -$34.76. This means the shares are trading below this model’s fair value.

Upstart Holdings, Inc. (NASDAQ:UPST) closed at $25.58 USD, gaining $0.58 (2.32%) from the previous close of $25.00. The stock is currently mid-range between its 52-week high and low $23.96 and $66.73. With a market capitalization of about $2.45 billion, Upstart Holdings, Inc. is classified as a mid-cap and shows higher-than-market volatility (beta ~2.17). Key stats such as the average daily volume over the past year has been around 4.21 million shares, in line with its 52-week average. Headquartered in San Mateo, CA, Upstart Holdings, Inc. operates in the Financial Services sector and the Financial - Credit Services industry. Led by CEO Paul Gu, the company employs approximately 1,405 people and listed since December 16, 2020. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

Upstart Holdings, Inc. trades at a P/E ratio of 41.5, slightly above the S&P 500 average, with a price-to-sales ratio of 1.92 and a price-to-book ratio of 3.12 trading at moderately above to book value. The P/FCF stands at -8.32, also below market averages.

Our AI price prediction model suggests that Upstart Holdings, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -16.3%, with price expected at $21.41 by October 02, 2026, within a range of $20.44 to $22.45 3-Month Outlook: Projected fall of -74.51%, reaching $6.52 by December 17, 2026, with a range of $4.16 to $7.79. 1-Year Outlook: Projected gain of 2.58%, with price at $26.24 by September 21, 2027, within a range of $18.97 to $32.95.

Upstart Holdings, Inc. (NASDAQ:UPST) shares are flat 2.01% year-to-date currently trading near 52-week highs band. Short-term momentum has been negative over the last quarter, despite recent volatility. Valuation shows Upstart Holdings, Inc. trading at a premium to the broader market with a P/E of 41.5. Analyst sentiment is mixed, with the majority of ratings in Hold territory and a mean price target of $56.13, suggesting 119.43% upside. Our AI forecast model points to short-term weakness (-16.3% over two weeks), a medium-term fall (-74.51% over three months), and a longer-term gain (2.58% over one year), with expected trading ranges indicating moderate volatility.