UPST Company Profile and Key Details

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 -$28.61. This means the shares are trading below this model’s fair value.

Upstart Holdings, Inc. (NASDAQ:UPST) closed at $48.77 USD, gaining $1.18 (2.48%) from the previous close of $47.59. The stock is currently mid-range between its 52-week high and low $31.40 and $96.43. With a market capitalization of about $4.74 billion, Upstart Holdings, Inc. is classified as a mid-cap and shows higher-than-market volatility (beta ~2.28). Key stats such as the average daily volume over the past year has been around 6.48 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 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.

UPST has shown weak momentum, losing -3.13% over the past week and -29.9% over the past quarter, though year-to-date performance is down -22.71%. Short-term trend indicators are mixed aligned (SMA20 5.24%, SMA50 5.63%, SMA200 -13.54%). The stock’s 14-day RSI is 55.51 (neutral), while the ATR of 2.85 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -50.65% below its high and over 51.56% above its low. Average 10-day trading volume of 4.77 million shares is below the 3-month average of 6.35 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 75.71% of the float. Insiders own 12.42%. Datta Sanjay holds 284.28 thousand shares, Girouard Dave has 52.61 thousand shares and Mirgorodskaya Natalia has 26.40 thousand shares. Over the past six months, insider transactions show net selling. They sold 88.07 thousand shares across 29 transactions.

Upstart Holdings, Inc. (NASDAQ:UPST) shares are down -22.71% 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 146.72. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $60.16, suggesting 26.41% upside. Our AI forecast model points to short-term strength (10.34% over two weeks), a medium-term fall (-65.31% over three months), and a longer-term gain (24.35% 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 increase of 10.34%, with price expected at $52.51 by January 02, 2026, within a range of $49.23 to $55.59 3-Month Outlook: Projected fall of -65.31%, reaching $16.51 by March 19, 2026, with a range of $14.40 to $18.67. 1-Year Outlook: Projected gain of 24.35%, with price at $59.18 by December 18, 2026, within a range of $53.93 to $63.43.

Upstart Holdings, Inc. trades at a P/E ratio of 146.72, slightly above the S&P 500 average, with a price-to-sales ratio of 4.8 and a price-to-book ratio of 6.35 trading at moderately above to book value. The P/FCF stands at -12.73, also below market averages.