We are live on ! Find out more

Upstart Holdings

UPST

Market cap $2.03B

20.56 USD

+0.15

0.73%

At close Updated Nov 11, 4:00 PM EST

Pre-market

After hours

20.33

-0.23

1.12%

1 day

0.73%

5 days

-11.57%

1 month

-13.43%

3 months

-31.21%

6 months

-28.34%

Year to date

-55.15%

1 year

-47.19%

5 years

-91.64%

10 years

-30.23%

About: 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).

Employees: 1,405

Financials Credit Services

News

Positive

Neutral

Negative

Sentiment 3-Months

Positive 39.7%

Neutral 49.3%

Negative 11%

Upstart Holdings, Inc. (UPST) Presents at Citi's 15th Annual FinTech Conference Transcript

Upstart Holdings, Inc. ( UPST ) Citi's 15th Annual FinTech Conference November 10, 2026 1:30 PM EST Company Participants Paul Gu - CEO & Director Conference Call Participants Peter Christiansen - Citigroup Inc., Research Division Presentation Peter Christiansen Citigroup Inc., Research Division Good afternoon, everybody. My name is Pete Christiansen here with Equity Research covering digital assets and fintech services.

Upstart Holdings, Inc. (UPST) Presents at Citi's 15th Annual FinTech Conference Transcript

Upstart CEO Targets Record 2027 Results Despite Rates and Consumer Pressure

Upstart NASDAQ: UPST is aiming to grow its lending business and improve profitability in 2027, even as higher interest rates and pressure on consumers weigh on its outlook, Co-Founder and CEO Paul Gu said at a Citi Equity Research event.

Upstart CEO Targets Record 2027 Results Despite Rates and Consumer Pressure

24/7 Wall Street

Upstart Sinks 11% as Hot Inflation Report Hits Fintech Lenders; SoFi Falls 4%, Affirm Slides 3%

A hot inflation report is rattling fintech lenders, and the most rate-sensitive name in the group is falling the furthest. Upstart Holdings (NASDAQ:UPST) stock is at $19.87, down 11% in afternoon trading.

Upstart Sinks 11% as Hot Inflation Report Hits Fintech Lenders; SoFi Falls 4%, Affirm Slides 3%

Upstart Remains Deeply Misunderstood Following The Q3 Print

Upstart Holdings delivered a strong Q3, with revenue up 34% YoY and fee revenue at an all-time high. The upcoming Upstart Bank should not force investors to think of Upstart like a traditional bank for valuation purposes. Upstart, however, cannot be valued like a true software company despite its contribution profit margin of ~60% either.

Upstart Remains Deeply Misunderstood Following The Q3 Print

Upstart: Falling Knife Risks Meet Resilient, Fee-Based Monetization Opportunities

Elevated default risks and higher funding costs have contributed to Upstart's impacted loan originations and lowered FY2026 guidance. Even so, the fee-based revenue model (98.2% in FQ3'26) and growing third-party funding (>95% of loans) reduce their capital risks while supporting their future resilience. The launch of Upstart Bank in early 2027 is expected to offload balance sheet loans, leverage brokered deposits, and improve their capital efficiency/net interest incomes.

Upstart: Falling Knife Risks Meet Resilient, Fee-Based Monetization Opportunities

24/7 Wall Street

Upstart Is Still Down 46% This Year: Did Today Just Mark the Bottom for UPST Stock?

One day after a quarter that coupled record profits with a weaker outlook, an AI-driven consumer lender is getting a sharp relief rally. Upstart Holdings (NASDAQ:UPST) shares trade at $23.63 this afternoon, up 11%.

Upstart Is Still Down 46% This Year: Did Today Just Mark the Bottom for UPST Stock?

Zacks Investment Research

UPST Q3 Earnings Call Highlights Macro Risks and Revised Outlook

Upstart beats Q3 earnings estimates and achieves record fee revenues, but rising credit risks and funding costs prompt a 2026 outlook cut despite lending gains.

UPST Q3 Earnings Call Highlights Macro Risks and Revised Outlook

The Motley Fool

3 Key Takeaways From Upstart's Latest Report

Upstart delivered a strong quarter in a difficult environment. Contribution profit hit a record in Q3 and its secured loan business turned profitable.

3 Key Takeaways From Upstart's Latest Report

Upstart Holdings, Inc. (UPST) Q3 2026 Earnings Call Transcript

Upstart Holdings, Inc. ( UPST ) Q3 2026 Earnings Call November 3, 2026 8:00 AM EST Company Participants Sonya Banerjee - Head of Investor Relations Paul Gu - CEO & Director Andrea Blankmeyer - Chief Financial Officer Conference Call Participants Dan Dolev - Mizuho Securities USA LLC, Research Division Kyle Peterson - Needham & Company, LLC, Research Division Peter Christiansen - Citigroup Inc., Research Division Patrick Moley - Piper Sandler & Co., Research Division Simon Alistair Clinch - Rothschild & Co Redburn, Research Division John Hecht - Jefferies LLC, Research Division Mihir Bhatia - BofA Securities, Research Division Arvind Ramnani - Truist Securities, Inc., Research Division Reginald Lawrence Smith - Loop Capital Markets LLC, Research Division Michael Infante - Morgan Stanley, Research Division Kyle Joseph - Stephens Inc., Research Division Giuliano Anderes-Bologna - Compass Point Research & Trading, LLC, Research Division Robert Wildhack - Autonomous Research US LP Presentation Operator Good morning, and welcome to the Upstart Third Quarter 2026 Earnings Call. [Operator Instructions] As a reminder, this conference call is being recorded.

Upstart Holdings, Inc. (UPST) Q3 2026 Earnings Call Transcript

What Upstart (UPST) Said on Its Q3 Earnings Call

Upstart NASDAQ: UPST reported third-quarter results marked by record contribution profit, accelerating fee revenue and a shift to positive contribution margins in its secured lending products, while worsening consumer-credit conditions and higher interest rates prompted the company to reduce its full-year total revenue and adjusted EBITDA outlook.

What Upstart (UPST) Said on Its Q3 Earnings Call

See News Rankings

Price charts implemented using Lightweight Charts™