23.00 USD
↘ 0.78 (3.28%)AT CLOSE (03:59 PM EDT)
Upstart Holdings, Inc. Common stock
UPSTNASDAQ • USD
23.00
↗ 0.00 (0.00%)
POST MARKET (AS OF 06:07 PM EDT)
Post Market
AS OF 06:07 PM EDT
23.00
↗ 0.00 (0.00%)
Market: OPEN
Upstart Holdings, Inc. Common stock (UPST) is currently trading at $23.00. Our models show a "Strong Sell" technical signal alongside a "Neutral" fundamental rating. This is driven by a bearish Death Cross on the long-term moving averages and bearish long-term moving average alignment. On valuation, UPST trades roughly in line with sector averages — neither particularly cheap nor expensive.
Technical & fundamental data as of Oct 26, 2026.
Open?$23.63
High?$23.72
Low?$22.89
Prev. Close?$23.78
Volume?3.2M
Avg. Volume?4.2M
VWAP?$23.20
Rel. Volume?0.76x
Bid / Ask
Bid?$20.12 × 100
Ask?$26.28 × 100
Spread?$6.16
Midpoint?$23.20
Valuation & Ratios
Market Cap?2.3B
Shares Out?97.3M
Float?79.5M
Float %?81.7%
P/E Ratio?38.35
P/B Ratio?2.90
EPS?$0.62
Dividend?3.67%
Ex-Dividend?N/A
News
Profile
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Themes
Address
2950 S. DELAWARE STREET, SUITE 410
SAN MATEO, CA 94403
Phone: (650) 204-1000
SAN MATEO, CA 94403
Phone: (650) 204-1000
Technical OutlookStrong Sell
Strong SellNeutralStrong Buy
Long-Term (Tide)?▼ Bearish(-2/3)
Medium-Term (Wave)?▼ Bearish(-1/3)
Short-Term (Ripple)?▼ Bearish(-3/3)
MA Alignment?Bearish Alignment
Full Technical Analysis →Fundamental OutlookNeutral
Strong SellNeutralStrong Buy
F-Score?23
Z-Score?50
Momentum?69
Short Sent.?21
Piotroski F-Score?3/9Weak
Confidence?67%Moderate
Short InterestSqueeze Risk
Short % of Float?33.80%Squeeze Risk
Short Interest?26.9M
Days to Cover?6.4
Free Float79.5M
Avg Daily Volume4.2M
Settlement Date2026-10-15
Financial Health
Current Ratio?0.97Weak
Quick Ratio?0.97Weak
Cash Ratio?0.19Low
Debt/Equity?2.55High
ValuationATTRACTIVELY VALUEDvs 4 peers + S&P 500
Score80/100
P/E?38.4PRICEY▾
Peers25
S&P19
P/B?2.90CHEAP▾
Peers75
S&P57
P/S?2.10CHEAP▾
Peers100
S&P64
P/FCF?N/A▾
EV/EBITDA?-26.8CHEAP▾
Peers100
S&P97
EV/Sales?3.53FAIR▾
Peers80
S&P53
Returns & Efficiency
ROE?7.6%FAIR▾
Peers67
S&P24
ROA?1.9%WEAK▾
Peers50
S&P19
Cash Flow & Enterprise
FCF?$-296696000
Enterprise Value?$3.9B
Fundamentals ratios updated end of day