UPST Upstart Holdings Inc

$44.96

*Only the 1D chart reflects 15-min delayed quotes during market hours. Other timeframes update after market close.

Reporting for fiscal period ending
Expected on
Report Time: Unknown Release Time
The Whisper Number
Consensus Estimate:
Revenue Estimate:

Latest Earnings Insight

Upstart Holdings (UPST) is poised for its upcoming earnings release on November 4, 2025, with investors keenly watching how the company navigates the evolving landscape of AI-driven lending. The EPS estimate stands at $0.42, while the whisper number suggests a more optimistic $0.52, indicating that market insiders might be expecting stronger performance than analysts have forecasted. With a revenue estimate of $279.59 million, Upstart's ability to leverage its AI technology to enhance loan approval processes and reduce default rates will be under scrutiny. The company's market cap of approximately $5.07 billion reflects its significant presence in the fintech sector, and any strategic shifts or innovations could further influence investor sentiment. As Upstart continues to refine its algorithms and expand its partnerships, the upcoming earnings report will be pivotal in assessing its growth trajectory and market positioning.

Updated On 1/6/2026

About Upstart Holdings Inc

Upstart Holdings, Inc. operates a cloud-based artificial intelligence (AI) lending platform. The company is headquartered in San Mateo, California.

Website: https://www.upstart.com

Sector
FINANCE
Industry
FINANCE SERVICES
Exchange
NASDAQ
Country
USA
Currency
USD
Fiscal Year End
December
CIK
1647639
Address
2950 S. DELAWARE STREET, SUITE 300, SAN MATEO, CA, US
Valuation
Market Cap
$3.89B
P/E Ratio
nan
PEG Ratio
nan
Price to Book
6.14
Performance
EPS
$-1.44
Dividend Yield
Profit Margin
-19.00%
ROE
-20.30%
Technicals
50D MA
$55.90
200D MA
$51.74
52W High
$96.43
52W Low
$20.60
Fundamentals
Shares Outstanding
95M
Target Price
$75.57
Beta
2.39

UPST EPS Estimates vs Actual

Estimated
Actual

UPST News & Sentiment

Dec 30, 2025 • Insider Monkey SOMEWHAT-BEARISH
Do You Believe in the Fundamental Improvements of Upstart Holdings (UPST)?
Maple Tree Capital's Q3 2025 investor letter discussed their holding in Upstart Holdings, Inc. (NASDAQ: UPST), an AI lending platform. The firm acknowledged mixed sentiment regarding UPST after its shares declined post-Q2 results, emphasizing the importance of balanced research communication. Despite the risks, Maple Tree Capital still sees substantial long-term potential in Upstart's business.
Dec 25, 2025 • MSN BULLISH
Upstart Holdings (UPST): Firm announces new Castlelake deal
Upstart Holdings (UPST) has announced a new deal with Castlelake, a global alternative investment firm. This collaboration focuses on expanding credit opportunities, particularly in personal loans and auto financing, through Upstart's AI lending platform. The partnership will see Castlelake investing significant capital into loans originated through Upstart.
Dec 25, 2025 • www.sharewise.com SOMEWHAT-BULLISH
Upstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key Facts
Upstart Holdings, Inc. (UPST) stock saw a decline of 1.4% in the latest trading session, underperforming the broader market indexes. Despite this recent dip, the company's shares have appreciated by 17.08% over the past month, surpassing its sector and the S&P 500. Investors are now looking ahead to Upstart's upcoming earnings report, with high expectations for significant year-over-year growth in both EPS and revenue.
Dec 25, 2025 • MSN SOMEWHAT-BEARISH
Upstart Holdings, Inc. (UPST) stock dips while market gains: Key facts
This article is a placeholder indicating that it should contain information about Upstart Holdings, Inc. (UPST) stock performance. It would typically report on the stock dipping despite overall market gains. However, the provided content is empty, so no further details can be extracted.
Dec 21, 2025 • Insider Monkey SOMEWHAT-BULLISH
Upstart Holdings (UPST): Firm Announces New Castlelake Deal
Upstart Holdings, Inc. (NASDAQ:UPST) has announced a new 12-month forward-flow agreement with Castlelake to purchase up to $1.5 billion in consumer loans, making it their third such deal. The fintech firm utilizes AI to assess credit risk, analyzing over 2,500 borrower variables to replace traditional FICO scoring. Upstart, founded in 2012, has originated approximately $48 billion in loans and partners with over 100 financial institutions.
Dec 21, 2025 • Yahoo Finance SOMEWHAT-BULLISH
Upstart Holdings (UPST): Firm Announces New Castlelake Deal
Upstart Holdings, Inc. (UPST) has announced its third 12-month forward-flow agreement with Castlelake, under which Castlelake will purchase up to $1.5 billion in consumer loans originated on Upstart's AI lending platform. The fintech firm utilizes artificial intelligence to assess credit risk, analyzing over 2,500 borrower variables to reduce defaults and partnering with over 100 banks and credit unions. Upstart Holdings (UPST) is considered a "Stock That Could Mint Millionaires in 2026."
Sentiment Snapshot

Average Sentiment Score:

0.127
50 articles with scored sentiment

Overall Sentiment:

Neutral

UPST Reported Earnings

Aug 05, 2025
Jun 30, 2025 (Post market)
0.11 Surprise
  • Reported EPS: $0.36
  • Estimate: $0.25
  • Whisper:
  • Surprise %: 44.0%
May 06, 2025
Mar 31, 2025 (Post market)
0.13 Surprise
  • Reported EPS: $0.30
  • Estimate: $0.17
  • Whisper:
  • Surprise %: 76.5%
Feb 11, 2025
Dec 31, 2024 (Post market)
0.3 Surprise
  • Reported EPS: $0.26
  • Estimate: $-0.04
  • Whisper:
  • Surprise %: 750.0%
Nov 07, 2024
Sep 30, 2024 (Post market)
0.09 Surprise
  • Reported EPS: $-0.06
  • Estimate: $-0.15
  • Whisper:
  • Surprise %: 60.0%
Aug 06, 2024
Jun 30, 2024 (Post market)
0.22 Surprise
  • Reported EPS: $-0.17
  • Estimate: $-0.39
  • Whisper:
  • Surprise %: 56.4%
May 07, 2024
Mar 31, 2024 (Post market)
0.08 Surprise
  • Reported EPS: $-0.31
  • Estimate: $-0.39
  • Whisper:
  • Surprise %: 20.5%
Feb 13, 2024
Dec 31, 2023 (Post market)
0.03 Surprise
  • Reported EPS: $-0.11
  • Estimate: $-0.14
  • Whisper:
  • Surprise %: 21.4%
Nov 07, 2023
Sep 30, 2023 (Post market)
-0.03 Surprise
  • Reported EPS: $-0.05
  • Estimate: $-0.02
  • Whisper:
  • Surprise %: -150.0%
Aug 08, 2023
Jun 30, 2023 (Post market)
0.13 Surprise
  • Reported EPS: $0.06
  • Estimate: $-0.07
  • Whisper:
  • Surprise %: 185.7%

Financials