Upstart Holdings, Inc. Common stock

UPSTNASDAQ • USD
ThemeFintech & Digital Payments›Lending Platforms & BNPL
29.71 USD
↘ 0.49 (1.62%)AT CLOSE (11:59 AM EDT)
29.75
↗ 0.04 (0.13%)
POST MARKET (AS OF 05:28 PM EDT)
Post Market
AS OF 05:28 PM EDT
29.75
↗ 0.04 (0.13%)
🟢Market: OPEN

Upstart Holdings, Inc. Common stock (UPST) is currently trading at $29.75. Our models show a "Sell" technical signal alongside a "Neutral" fundamental rating. This is driven by a bearish Death Cross on the long-term moving averages. On valuation, UPST trades roughly in line with sector averages — neither particularly cheap nor expensive.

Technical & fundamental data as of Aug 6, 2026.

Open?$29.27
High?$31.02
Low?$29.18
Prev. Close?$30.20
Volume?5.0M
Avg. Volume?4.3M
VWAP?$30.08
Rel. Volume?1.16x
Bid / Ask
Bid?$25.11 × 100
Ask?$34.93 × 100
Spread?$9.82
Midpoint?$30.02
Valuation & Ratios
Market Cap?2.9B
Shares Out?95.7M
Float?78.2M
Float %?81.7%
P/E Ratio?48.71
P/B Ratio?3.69
EPS?$0.62
Dividend?2.89%
Ex-Dividend?N/A
News
Profile
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Themes
Fintech & Digital Payments›Lending Platforms & BNPLAI & Machine Learning›AI-Powered Analytics & Decision Systems
Employees
1.4K
Market Cap
2.9B
Industry
FINANCE SERVICES
Website
www.upstart.com
Listed
2020-12-16
Address
2950 S. DELAWARE STREET, SUITE 410
SAN MATEO, CA 94403
Phone: (650) 204-1000
Technical OutlookSell
Strong SellNeutralStrong Buy
Long-Term (Tide)?▼ Bearish(-2/3)
Medium-Term (Wave)?▼ Bearish(-1/3)
Short-Term (Ripple)?▲ Bullish(+1/3)
MA Alignment?Mixed
Full Technical Analysis →
Fundamental OutlookNeutral
Strong SellNeutralStrong Buy
F-Score?
23
Z-Score?
50
Momentum?
69
Short Sent.?
16
Piotroski F-Score?3/9Weak
Confidence?66%Moderate
Full Fundamental Analysis →
Short InterestSqueeze Risk
Short % of Float?33.46%Squeeze Risk
Short Interest?26.2M
Days to Cover?7.1
Free Float78.2M
Avg Daily Volume3.7M
Settlement Date2026-07-15
Financial Health
Current Ratio?0.97Weak
Quick Ratio?0.97Weak
Cash Ratio?0.19Low
Debt/Equity?2.55High
ValuationFAIRLY VALUEDvs 4 peers + S&P 500
Score
73/100
P/E?
Peers
50
S&P
13
48.7PRICEY▾
P/B?
Peers
75
S&P
47
3.69FAIR▾
P/S?
Peers
100
S&P
55
2.66CHEAP▾
P/FCF?
N/A▾
EV/EBITDA?
Peers
100
S&P
97
-31.1CHEAP▾
EV/Sales?
Peers
100
S&P
46
4.09FAIR▾
Returns & Efficiency
ROE?
Peers
67
S&P
24
7.6%FAIR▾
ROA?
Peers
50
S&P
19
1.9%WEAK▾
Cash Flow & Enterprise
FCF?$-296696000
Enterprise Value?$4.5B
Fundamentals ratios updated end of day
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