UPST Upstart Holdings Inc

$37.09

*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 11/21/2025

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

Nov 21, 2025 • Zacks Commentary NEUTRAL
Upstart's AI Lending: Can Its Underwriting Model Stay Ahead?
UPST adjusts its AI underwriting as rising risk trims conversions, with new calibration tools aimed at steadier approvals and broader loan expansion.
Nov 20, 2025 • Zacks Commentary BULLISH
Pagaya Shares Gain 56.8% in 6 Months: How to Play the Stock?
PGY's 56.8% six-month surge highlights its diversified model, AI-driven network and funding strength as investors weigh rising expenses.
Nov 18, 2025 • Zacks Commentary SOMEWHAT-BULLISH
Upstart's Push Into Auto and Home Loans: Will Diversification Pay Off?
UPST's expanding push into auto, home, and small-dollar lending gains traction as new products scale and funding partners grow.
Nov 17, 2025 • Zacks Commentary BULLISH
SoFi's Upgraded Outlook Driven by Strengthening Scalable Profitability
SOFI lifts its 2025 outlook as scalable profitability boosts member growth, revenue expectations and tangible book value.
Nov 17, 2025 • Motley Fool SOMEWHAT-BULLISH
Down 58%, This Fast-Growing Fintech Stock Could Be a Brilliant Buy Right Now
Upstart is trading at a deep discount. Is it a buy or a warning sign?
Nov 16, 2025 • Motley Fool SOMEWHAT-BULLISH
2 Stocks That Would Benefit From President Trump's 50-Year Mortgage Proposal
Could 50-year mortgages be a real thing?
Sentiment Snapshot

Average Sentiment Score:

0.242
50 articles with scored sentiment

Overall Sentiment:

Bullish

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