Upstart Holdings

UPST

Market cap $6.46B

Overview Fund Activity

67.17 USD

+0.19

0.28%

At close Updated Sep 16, 4:00 PM EDT

Pre-market

After hours

67.32

+0.15

0.22%

1 day

0.28%

5 days

0.19%

1 month

2.86%

3 months

21.99%

6 months

34.23%

Year to date

10.48%

1 year

91.26%

5 years

127.93%

10 years

127.93%

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. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.

Employees: 1,193

Financials Credit Services

0

Funds holding %

of 7,463 funds

0

Analysts bullish %

of 6 analysts

Fund manager confidence

Based on 2025 Q2 regulatory disclosures by fund managers ($100M+ AUM)

77% more first-time investments, than exits

New positions opened: 85 | Existing positions closed: 48

46% more capital invested

Capital invested by funds: $2.72B [Q1] → $3.98B (+$1.25B) [Q2]

19% more call options, than puts

Call options by funds: $757M | Put options by funds: $634M

12% more repeat investments, than reductions

Existing positions increased: 137 | Existing positions reduced: 122

9% more funds holding

Funds holding: 380 [Q1] → 415 (+35) [Q2]

1.48% more ownership

Funds ownership: 63.18% [Q1] → 64.66% (+1.48%) [Q2]

See Fund Rankings

Research analyst outlook

6 Wall Street Analysts provided 1 year price targets over the past 3 months

Low target

$70

4% upside

Avg. target

$81

21% upside

High target

$90

34% upside

6 analyst ratings

3 positive

50%

2 neutral

33%

1 negative

17%

JP Morgan Reginald Smith	$88	Overweight Upgraded	20 Aug 2025
Needham Kyle Peterson	$82	Buy Maintained	6 Aug 2025
Morgan Stanley James Faucette	$70	Equal-Weight Maintained	6 Aug 2025
Piper Sandler Patrick Moley	$90	Overweight Maintained	6 Aug 2025
B of A Securities Nat Schindler	$87	Neutral Maintained	6 Aug 2025
Goldman Sachs Will Nance	$71	Sell Assumed	14 Jul 2025

See Analyst Rankings

Financial journalist opinion

Based on 27 articles about UPST published over the past 30 days

Zacks Investment Research

INTU vs. UPST: Which AI-Driven Fintech Stock Offers Better Upside Now?

Upstart's AI-fueled lending surge and broadening product suite give it an edge over Intuit's steady fintech growth.

INTU vs. UPST: Which AI-Driven Fintech Stock Offers Better Upside Now?

Zacks Investment Research

Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It

Upstart (UPST) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It

The Motley Fool

Where Will Upstart Be in 5 Years?

When figuring out ways to invest in the artificial intelligence (AI) trend, you might think that the only way to go is to look at the "Magnificent Seven" businesses. However, some smaller companies, like Upstart (UPST 6.12%), are uniquely positioned to leverage AI in their respective industry niches.

Where Will Upstart Be in 5 Years?

The Motley Fool

Prediction: This Artificial Intelligence (AI) Stock Will Beat Opendoor Technologies over the Next 3 Years

Opendoor Technologies (OPEN -13.59%) dazzled investors over the last three months like few other stocks. The online home-flipper jumped an incredible 1,400% over the last three months, going from a little over $0.50 a share to more than $10 at one point.

Prediction: This Artificial Intelligence (AI) Stock Will Beat Opendoor Technologies over the Next 3 Years

Upstart's Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection

UPST's strong performance metrics and growing profitability support my upgraded Buy rating, despite the ongoing rally since April 2025, aided by the raised FY2025 guidance. Efficient lender / funding partner acquisitions, higher loan conversion rates, and improved operational scale reinforce its high-growth trends, with further acceleration likely upon a Fed rate cut. UPST's valuation remains attractive, with a FWD P/E of 39x, with the premium against its peers seemingly justified attributed to the inflection in its adj EPS performance.

Upstart's Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection

Upstart Holdings, Inc. (UPST) Presents At Goldman Sachs Communicopia + Technology Conference 2025 Transcript

Upstart Holdings, Inc. (NASDAQ:UPST ) Goldman Sachs Communicopia + Technology Conference 2025 September 8, 2025 1:10 PM EDT Company Participants David Girouard - Co-Founder, President, CEO & Chairperson of the Board Conference Call Participants William Nance - Goldman Sachs Group, Inc., Research Division Presentation William Nance Research Analyst Up next, we have Dave Girouard, CEO and Co-Founder of Upstart. Dave, thank you for being here.

Upstart Holdings, Inc. (UPST) Presents At Goldman Sachs Communicopia + Technology Conference 2025 Transcript

The Motley Fool

Why Upstart Stock Lost 10% in August

Shares of Upstart Holdings (UPST 1.65%) were pulling back last month as the artificial intelligence (AI)-based consumer loan origination platform posted strong results in its second quarter, but a falling take rate, doubts about macro pressures around inflation, and a high valuation seemed to prompt a post-earnings sell-off.

Why Upstart Stock Lost 10% in August

The Motley Fool

Is Upstart Stock a Millionaire Maker?

Since its initial public offering (IPO) in 2021, Upstart (UPST 1.65%) has taken investors on a wild ride. At its peak, the stock skyrocketed to $400 per share.

Is Upstart Stock a Millionaire Maker?

The Motley Fool

Prediction: Upstart Will Triple by 2030. Here's the Key Catalyst.

Upstart (UPST 1.65%) has been an excellent performer in recent years, with the stock up by 168% over the past three years. And there are some good reasons it has done so well.

Prediction: Upstart Will Triple by 2030. Here's the Key Catalyst.

KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2025-3

NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to four classes of notes issued by Upstart Securitization Trust 2025-3 (“UPST 2025-3”), a $320 million consumer loan ABS collateralized by unsecured consumer loans. The preliminary ratings reflect initial credit enhancement levels of 56.45% for the Class A notes, 43.50% for the Class B notes, 33.30% for the Class C notes and 20.50% for the Class D notes. Credit enhancement consists of overcollateralization, excess spread, a non-declini.

KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2025-3

See News Rankings

Charts implemented using Lightweight Charts™