Upstart Holdings, Inc. Common stock

UPSTNASDAQ • USD
ThemeFintech & Digital Payments›Lending Platforms & BNPL
29.51 USD
↘ 1.37 (4.44%)AT CLOSE (11:59 AM EDT)
29.65
↗ 0.13 (0.46%)
POST MARKET (AS OF 05:00 PM EDT)
Post Market
AS OF 05:00 PM EDT
29.65
↗ 0.13 (0.46%)
🟢Market: OPEN

Upstart Holdings, Inc. Common stock (UPST) is currently trading at $31.59. Both sides of the analysis point lower: technicals flash "Strong Sell" and fundamentals confirm with a "Sell" reading. This is driven by a weak Piotroski F-Score of 1/9 and 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 Jul 16, 2026.

Open?$29.75
High?$30.26
Low?$28.97
Prev. Close?$30.88
Volume?4.2M
Avg. Volume?4.4M
VWAP?$29.56
Rel. Volume?0.96x
Bid / Ask
Bid?$25.55 × 100
Ask?$33.60 × 100
Spread?$8.05
Midpoint?$29.58
Valuation & Ratios
Market Cap?3.0B
Shares Out?95.7M
Float?78.2M
Float %?81.7%
P/E Ratio?59.83
P/B Ratio?4.03
EPS?$0.52
Dividend?2.21%
Ex-Dividend?N/A
News
Profile
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Themes
Fintech & Digital Payments›Lending Platforms & BNPLAI & Machine Learning›AI-Powered Analytics & Decision Systems
Employees
1.4K
Market Cap
3.0B
Industry
FINANCE SERVICES
Website
www.upstart.com
Listed
2020-12-16
Address
2950 S. DELAWARE STREET, SUITE 410
SAN MATEO, CA 94403
Phone: (650) 204-1000
Technical OutlookStrong Sell
Strong SellNeutralStrong Buy
Long-Term (Tide)?▼ Bearish(-2/3)
Medium-Term (Wave)?▼ Bearish(-2/3)
Short-Term (Ripple)?▼ Bearish(-3/3)
MA Alignment?Mixed
Full Technical Analysis →
Fundamental OutlookSell
Strong SellNeutralStrong Buy
F-Score?
6
Z-Score?
50
Momentum?
69
Short Sent.?
42
Piotroski F-Score?1/9Weak
Confidence?62%Moderate
Full Fundamental Analysis →
Short InterestSqueeze Risk
Short % of Float?33.03%Squeeze Risk
Short Interest?25.8M
Days to Cover?5.6
Free Float78.2M
Avg Daily Volume4.6M
Settlement Date2026-06-30
Financial Health
Current Ratio?0.78Weak
Quick Ratio?0.78Weak
Cash Ratio?0.22Low
Debt/Equity?2.67High
ValuationFAIRLY VALUEDvs 4 peers + S&P 500
Score
73/100
P/E?
Peers
50
S&P
9
59.8PRICEY▾
P/B?
Peers
75
S&P
44
4.03FAIR▾
P/S?
Peers
100
S&P
51
2.96CHEAP▾
P/FCF?
N/A▾
EV/EBITDA?
Peers
100
S&P
97
-28.4CHEAP▾
EV/Sales?
Peers
100
S&P
41
4.46FAIR▾
Returns & Efficiency
ROE?
Peers
67
S&P
22
6.7%FAIR▾
ROA?
Peers
50
S&P
17
1.7%WEAK▾
Cash Flow & Enterprise
FCF?$-282534000
Enterprise Value?$4.4B
Fundamentals ratios updated end of day
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