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Upstart Holdings, Inc.

UPST • Financial - Credit Services
$28.05
▼ -0.47 (-1.65%)
Current price
EarningsLatest report: Jun 30, 2026
HIGHER-RISK PROFILECautionConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Caution is warranted. Recent ratios show weaknesses that may limit returns unless fundamentals improve.
Market Cap
$2.84B
Growth
13.7%
Cash Flow
2/5
Trend
Volatile
Evidence
Healthy liquidity · 2.99Expensive earnings multiple · 78.35High debt level · 2.32Negative growth trendWeak profitability
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 12:54 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$28.05
Change-1.65%
Shares Out101.41M
Market Cap$2.84B
Enterprise Value$2.35B
52W Range23.96 - 76.95
Beta2.27
P/E47.15
P/S2.25
P/B3.57
P/FCF-9.84
EV/Sales1.86

Investment DNA

How strong this company looks for long-term investors

42
out of 100
Business Quality
Margins, moat, returns
40/100
Financial Strength
Debt, cash, stability
58/100
Growth Potential
Revenue and expansion
31/100
Price Attractiveness
Cheap or expensive today
43/100
Why this score▼
Healthy liquidity · 2.99Expensive earnings multiple · 78.35High debt level · 2.32Negative growth trendWeak profitability

Analyst view

Analyst sentiment and price target

UPST
Analyst sentiment
Based on 22 analyst votes · 2026-09-05
68/100
Neutral
Bullish
10
Hold
10
Bearish
2
Price Target
2026-08-07
Low
$30.00
Mean
$38.75
Median
$39.50
High
$51.00

Company Overview

IPO: 12/16/2020
Industry: Financial - Credit Services
P/B i: 3.57
Debt / Equity i: 2.32
Operating Margin: 5.05%
Net Margin: 4.98%
ROE i: -
ROIC: -

Financial Health

Score12 / 20
Debt / Equity: 2.32
Current Ratio: 2.99
Quick Ratio: 2.99
Status: Good

Warnings

  • High debt level

Insider Transactions

Recent executive and insider activity

⚠ 1 high-volume insider sell detected
Datta Sanjay
Transaction: 06/09/2026
SELL
Change
-15,000
Price
$30.41
Filing
06/11/2026
Type
SELL
O'Kelly Ciaran
Transaction: 05/29/2026
BUY
Change
+6,476
Price
Not reported
Filing
06/02/2026
Type
BUY
Cooper Kerry Whorton
Transaction: 05/29/2026
BUY
Change
+6,476
Price
Not reported
Filing
06/02/2026
Type
BUY