Upstart Holdings, Inc. Common stock

UPSTNASDAQ • USD
ThemeFintech & Digital Payments›Lending Platforms & BNPL
30.47 USD
↘ 0.11 (0.36%)AT CLOSE (11:59 AM EDT)
30.59
↗ 0.12 (0.41%)
POST MARKET (AS OF 07:02 PM EDT)
Post Market
AS OF 07:02 PM EDT
30.59
↗ 0.12 (0.41%)
🟢Market: OPEN

Upstart Holdings, Inc. Common stock (UPST) is currently trading at $30.59. Our models show a "Buy" 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 26, 2026.

Open?$30.55
High?$31.70
Low?$30.01
Prev. Close?$30.58
Volume?3.0M
Avg. Volume?4.4M
VWAP?$30.67
Rel. Volume?0.70x
Bid / Ask
Bid?$26.06 × 100
Ask?$34.55 × 100
Spread?$8.49
Midpoint?$30.31
Valuation & Ratios
Market Cap?3.0B
Shares Out?97.3M
Float?78.2M
Float %?81.7%
P/E Ratio?49.32
P/B Ratio?3.73
EPS?$0.62
Dividend?2.86%
Ex-Dividend?N/A
News
Profile
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
Themes
Fintech & Digital Payments›Lending Platforms & BNPLAI & Machine Learning›AI-Powered Analytics & Decision Systems
Employees
1.4K
Market Cap
3.0B
Industry
FINANCE SERVICES
Website
www.upstart.com
Listed
2020-12-16
Address
2950 S. DELAWARE STREET, SUITE 410
SAN MATEO, CA 94403
Phone: (650) 204-1000
Technical OutlookBuy
Strong SellNeutralStrong Buy
Long-Term (Tide)?▲ Bullish(+1/3)
Medium-Term (Wave)?– Neutral(0/3)
Short-Term (Ripple)?▲ Bullish(+2/3)
MA Alignment?Mixed
Full Technical Analysis →
Fundamental OutlookNeutral
Strong SellNeutralStrong Buy
F-Score?
23
Z-Score?
50
Momentum?
69
Short Sent.?
42
Piotroski F-Score?3/9Weak
Confidence?68%Moderate
Full Fundamental Analysis →
Short InterestSqueeze Risk
Short % of Float?31.67%Squeeze Risk
Short Interest?24.8M
Days to Cover?4.7
Free Float78.2M
Avg Daily Volume5.3M
Settlement Date2026-08-14
Financial Health
Current Ratio?0.97Weak
Quick Ratio?0.97Weak
Cash Ratio?0.19Low
Debt/Equity?2.55High
ValuationFAIRLY VALUEDvs 4 peers + S&P 500
Score
73/100
P/E?
Peers
50
S&P
13
49.3PRICEY▾
P/B?
Peers
75
S&P
47
3.73FAIR▾
P/S?
Peers
100
S&P
55
2.69CHEAP▾
P/FCF?
N/A▾
EV/EBITDA?
Peers
100
S&P
97
-31.4CHEAP▾
EV/Sales?
Peers
100
S&P
45
4.12FAIR▾
Returns & Efficiency
ROE?
Peers
67
S&P
24
7.6%FAIR▾
ROA?
Peers
50
S&P
19
1.9%WEAK▾
Cash Flow & Enterprise
FCF?$-296696000
Enterprise Value?$4.6B
Fundamentals ratios updated end of day
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