Upstart Holdings, Inc. Common stock

UPSTNASDAQ • USD
ThemeFintech & Digital Payments›Lending Platforms & BNPL
29.74 USD
↘ 2.53 (7.84%)AT CLOSE (11:59 AM EDT)
29.37
↘ 0.37 (1.24%)
POST MARKET (AS OF 07:59 PM EDT)
Post Market
AS OF 07:59 PM EDT
29.37
↘ 0.37 (1.24%)
🔴Market: CLOSED
Open?$31.43
High?$31.98
Low?$29.14
Prev. Close?$32.27
Volume?4.8M
Avg. Volume?4.8M
VWAP?$29.95
Rel. Volume?0.99x
Bid / Ask
Bid?$29.12 × 100
Ask?$29.64 × 100
Spread?$0.52
Midpoint?$29.38
Valuation & Ratios
Market Cap?2.8B
Shares Out?95.7M
Float?85.2M
Float %?86.9%
P/E Ratio?57.62
P/B Ratio?3.88
EPS?$0.52
Dividend?2.30%
Ex-Dividend?N/A

Upstart Holdings, Inc. Common stock (UPST) is currently trading at $29.74. Both sides of the analysis point lower: technicals flash "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 Jun 5, 2026.

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
2.8B
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(-1/3)
Medium-Term (Wave)?▼ Bearish(-1/3)
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.?
23
Piotroski F-Score?1/9Weak
Confidence?62%Moderate
Full Fundamental Analysis →
Short InterestSqueeze Risk
Short % of Float?31.29%Squeeze Risk
Short Interest?26.7M
Days to Cover?5.0
Free Float85.2M
Avg Daily Volume5.3M
Settlement Date2026-05-15
Financial Health
Current Ratio?0.78Weak
Quick Ratio?0.78Weak
Cash Ratio?0.22Low
Debt/Equity?2.67High
ValuationFAIRLY VALUEDvs 5 peers + S&P 500
Score
73/100
P/E?
Peers
20
S&P
9
57.6PRICEY▾
P/B?
Peers
60
S&P
45
3.88FAIR▾
P/S?
Peers
83
S&P
53
2.85CHEAP▾
P/FCF?
N/A▾
EV/EBITDA?
Peers
100
S&P
97
-27.7CHEAP▾
EV/Sales?
Peers
83
S&P
42
4.35FAIR▾
Returns & Efficiency
ROE?
Peers
50
S&P
22
6.7%FAIR▾
ROA?
Peers
60
S&P
17
1.7%WEAK▾
Cash Flow & Enterprise
FCF?$-282534000
Enterprise Value?$4.3B
Fundamentals ratios updated end of day
MarketsMoversWatchlist