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StockVS

NASDAQ · Credit Services · USD

Upstart Holdings, Inc. (UPST) Stock Analysis

Upstart Holdings, Inc. (UPST) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

UPST

$23.66

+$0.01 (+0.04%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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UPST Key Statistics

As of Oct 21, 2026
Trading
Open
$23.90
Previous Close
$23.65
Day's Range
23.36–24.23
52-Week Range
22.21–55.22
Volume
2.59M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
2.43
Valuation
Market Cap
$2.30B
P/E Ratio
47.32
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.62
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.79
EPS (ttm)Profit attributable to each share over the last twelve months.
0.50
Financials (FY)
Revenue (FY)
$1.02B+62.84%
Net Income (FY)
$53.60M
Profit marginThe share of revenue left as profit after all costs and taxes.
4.69%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
97.31M
1-Year Return
−54.81%
Dividend and dates
Earnings Date
November 3, 2026
Avg Volume
4.36M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, UPST closed at $23.66, −54.81% over 1 year.

Upstart Holdings, Inc. (UPST) has a market capitalization of $2.30B.

In fiscal 2025, UPST reported revenue of $1.02B.

UPST Stock Return by Calendar Year

Upstart Holdings, Inc. (UPST) return since Dec 2020: what $10,000 became

1 year
$10,000 $4,519
−54.81%
5 years
$10,000 $668
−93.32%
Since Dec 2020
$10,000 $8,029
−19.71%

If you had invested $10,000 in Upstart Holdings, Inc. (UPST) at the close on December 16, 2020, the earliest close on record here, it would have been worth $8,029 at the close on October 21, 2026: −19.71% in total, −3.69% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−45.90%
2025−28.98%
2024+50.69%
2023+209.08%
2022−91.26%
2021+271.29%
2020 (partial year)+38.28%

As of October 21, 2026.

UPST Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$1.02B$53.60M5.2%
2024$628.83M−$128.58M−20.4%
2023$508.12M−$240.13M−47.3%
2022$837.76M−$108.67M−13.0%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$1.02B——$53.60M5.2%
2024$628.83M——−$128.58M−20.4%
2023$508.12M——−$240.13M−47.3%
2022$837.76M——−$108.67M−13.0%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

UPST Valuation vs Credit Services Median

Median of 56 stocks
MetricUPSTCredit Services medianvs median
P/E47.3210.914.3x the median
P/S ratio1.791.5020% above
Profit margin4.69%9.89%5.2 pts below

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Upstart Holdings, Inc. (UPST) carries a market capitalisation of $2.30B. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 1,405 employees.

The most recent close on file for UPST is $23.66, dated October 21, 2026. That is +$0.01 (+0.04%) against the previous close. The 52-week range on file runs from $22.21 to $55.22. The latest close sits 6.53% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $1.02B. That is +62.84% against the prior fiscal year, when revenue was $628.83M. The same year closed with net income of $53.60M. The reported profit margin is 4.69%. That is 5.2 percentage points below the Credit Services median of 9.89%. Earnings per share on a trailing basis come to 0.5.

Across the 4 fiscal years on file, revenue moves from $837.76M in 2022 to $1.02B in 2025. Of those 4 years, 1 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 47.32. That is 4.3 times the Credit Services median of 10.91. The forward P/E on file is 6.62. Measured against sales, the shares trade at 1.79 times revenue. On price-to-sales that is 19.51% above the Credit Services median of 1.5. 56 Credit Services companies report these metrics, and the medians quoted come from that group.

The reported beta is 2.43. Annualized volatility over the trailing 5 years is 102.3%. The trailing one-year total return is −54.81%. Measured over 5 years, that is −41.80% a year compounded.

Growth & Income

No dividend is on file for UPST.

2026 is still running; the total return is −45.90% year to date. The strongest complete calendar year on file is 2021 at +271.29%; the weakest is 2022 at −91.26%. Of the 5 complete calendar years on file, 3 finished higher.

Peer Comparison

Upstart Holdings, Inc. (UPST) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Upstart Holdings, Inc. UPST $2.30B 47.3
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Upstart Holdings, Inc. trades at a P/E of 47.3.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Upstart Holdings, Inc.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

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