Upstart Holdings, Inc.
UPSTNASDAQFinancialsCredit Services
As of Oct 23, 2026 close
- Market cap
- $2.61B
- P/E (TTM)
- 43.25
- Forward P/E
- -
- Dividend yield
- -
- 52-week range
- $22.21$55.22
- Volume (live)
- -
- Avg. volume (3M)
- 4.18M
Upstart Holdings (UPST) Stock Price & Financial Analysis
Upstart Holdings Stock Price Chart
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Financial Metrics & Key Statistics
Fundamental metrics, valuation ratios, and profitability indicators
| Day's Range | $23.03 - $23.81 |
|---|---|
| 52-Week High | $55.22 |
| 52-Week Low | $22.21 |
| Open | $23.52 |
| Volume (last close) | 3.05M |
| Average Volume (3M) | 4.18M |
| Revenue (TTM) | 1.25B |
|---|---|
| Net Income (TTM) | 60.33M |
| Free Cash Flow (TTM) | -300.94M |
| EPS (TTM) | $0.56 |
| Profit Margin | 4.84% |
| Operating Margin | 4.95% |
| Return on Equity (ROE) | 7.57% |
| Debt to Equity | 2.51 |
| Annual Dividend | $0.00 |
|---|---|
| Dividend Yield | 0.00% |
| Payout Ratio | 0.00% |
| Market Cap | 2.61B |
|---|---|
| Shares Outstanding | 109.72M |
| P/E Ratio (TTM) | 43.25 |
| Price to Sales (P/S) | 2.10 |
| Price to Book (P/B) | 3.27 |
| EV/EBITDA | 42.79 |
| 50-Day MA | $26.31 |
|---|---|
| 200-Day MA | $30.88 |
| 1-Year Change | −54.22% |
Source: Market prices and company fundamentals. Data as of Oct 23, 2026. Data sources and methodology
Upstart Holdings at a Glance
As of the Oct 23, 2026 close, Upstart Holdings (UPST) has a market capitalization of $2.61B. The stock trades at 43.3× trailing earnings and 2.1× sales. Over the trailing twelve months it earned $60.33M on revenue of $1.25B (a 4.8% profit margin) and burned $300.94M of free cash flow. Revenue grew 48.0% year over year.
As of its latest reported balance sheet, it holds $457.74M in cash and securities against $2.00B of debt, a net debt position of $1.55B.
Upstart Holdings does not currently pay a dividend.
The share price is down 54.2% over the past year. At $23.78 (the Oct 23, 2026 close) it sits near the bottom of its 52-week range of $22.21 to $55.22, below its 200-day moving average of $30.88.
Based on 15 professional analyst ratings from the past 90 days, the consensus is Buy with an average price target of $38.36, 61.3% above the Oct 23, 2026 close.
Frequently Asked Questions About Upstart Holdings
What is the current stock price for UPST?
As of the Oct 23, 2026 close, UPST stock trades at $23.78. The 52-week range is $22.21–$55.22, with a day range of $23.03–$23.81.
What is the P/E ratio for UPST?
As of the Oct 23, 2026 close, Upstart Holdings's trailing twelve-month (TTM) P/E ratio is 43.3, meaning investors pay $43.3 for every $1 of annual earnings. Upstart Holdings operates in the Financials sector.
Does UPST pay dividends?
Upstart Holdings does not currently pay a regular dividend. The company retains its earnings to reinvest in the business. Check the Dividends tab for historical dividend information.
What do analysts recommend for UPST?
Based on ratings from 15 professional analysts over the last 90 days, the consensus for UPST is Buy. The average 12-month price target is $38.36, a 61.3% upside from the Oct 23, 2026 close of $23.78.
What is the market cap of UPST?
As of the Oct 23, 2026 close, Upstart Holdings's market capitalization is $2.61B, classifying it as a mid-cap company. Upstart Holdings operates in the Financials sector within the Credit Services industry.