UPST Company Profile and Key Details

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 4.63 million shares is in line with the 3-month average of 4.75 million, indicating normal recent market interest.

Upstart Holdings, Inc. has 96.22 million shares outstanding. The public float is 84.11 million shares, elevated short interest at 25.00% of float. This equals 21.10 million shares. The short ratio is 2.75 days. Institutional investors hold 77.97% of the float. Insiders own 12.93%. Girouard Dave holds 8.51 million shares, Datta Sanjay has 336.54 thousand shares and Blankmeyer Andrea has 162.38 thousand shares. Over the past six months, insider transactions show net selling. They sold 22.47 thousand shares across 12 transactions.

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 $0.30. 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 7 Strong Buy ratings, 12 Buy ratings, 6 Hold ratings, 2 Sell rating and 2 Strong Sell ratings. Price targets range from $90.00 to $20.00. The high target offers 215.13% upside. The low target suggests -29.97% downside. The mean target is $56.28. This offers 97.06% upside. Upstart Holdings, Inc. earnings surprise history is a mixed track record. The quarter that ended May 05, 2026, missed forecasts by -23.08%. The prior quarter beat by -2.13%. Over the last six quarters, Apple has recorded several small beats. These include -750.0% in February 11, 2025.

Upstart Holdings, Inc. (NASDAQ:UPST) closed at $28.56 USD, losing -$0.29 (-1.01%) from the previous close of $28.85. The stock is currently mid-range between its 52-week high and low $23.96 and $87.30. With a market capitalization of about $2.73 billion, Upstart Holdings, Inc. is classified as a mid-cap and shows higher-than-market volatility (beta ~2.26). Key stats such as the average daily volume over the past year has been around 4.81 million shares, volume is running light vs 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 David J. Girouard, the company employs approximately 1,193 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. 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 -$11.04. This means the shares are trading below this model’s fair value.

Upstart Holdings, Inc. trades at a P/E ratio of 56.02, slightly above the S&P 500 average, with a price-to-sales ratio of 2.35 and a price-to-book ratio of 3.77 trading at moderately above to book value. The P/FCF stands at -9.53, also below market averages.

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 56.02. Analyst sentiment is bullish, with the majority of ratings in Overweight territory and a mean price target of $57.38, suggesting 100.91% upside. Our AI forecast model points to short-term weakness (-9.14% over two weeks), a medium-term rise (46.18% over three months), and a longer-term gain (4.87% over one year), with expected trading ranges indicating moderate volatility.

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 -9.14%, with price expected at $25.95 by June 05, 2026, within a range of $24.22 to $27.70 3-Month Outlook: Projected rise of 46.18%, reaching $41.75 by August 20, 2026, with a range of $39.16 to $44.04. 1-Year Outlook: Projected gain of 4.87%, with price at $29.95 by May 21, 2027, within a range of $24.35 to $34.94.