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UPST

Upstart Holdings, Inc. UPST

$29.51 -1.37 (-4.44%)
Pullback · -1.28σ
+ Compare Open in Sniper

Price chart

Timeframe
Range
Fundamentals · free Click ▲ earnings markers (daily) for the day's move

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Latest bar · UPST

Momentum reads · latest daily bar
Last
$29.51
-1.37 (-4.44%)
Mkt cap
$2.8B
Financial Services
RSI(14)
39.0
neutral
Stochastic %K
8.5
oversold
MFI(14)
41.3
neutral
ADX(14)
12.5
weak trend

Green means room to run, red means stretched — the reads re-read live as you switch the chart's timeframe. MFI(14) is a volume-weighted money-flow read: above 80 = overbought, below 20 = oversold.

Financial overlay · last 12 quarters

The story behind the price: three years of quarterly results laid over the chart, so you can see whether the stock has been following the business — or running ahead of it.

QuarterRevenue Net incomeOp income FCFNet margin Op margin
2026-03-31 $0.3B $-0.0B — $-0.1B -2.2% —
2025-12-31 $0.3B $0.0B — $0.1B 6.7% —
2025-09-30 $0.3B $0.0B — $-0.1B 11.5% —
2025-06-30 $0.3B $0.0B — $-0.1B 2.2% —
2025-03-31 $0.2B $-0.0B — $-0.0B -1.1% —
2024-12-31 $nanB $nanB — $nanB nan% —

Tip: toggle P/E, FCF, ROE, Gross margin and more on the chart above — every overlay is free.

Compare UPST vs peers

Line UPST up against up to 4 peers (5 tickers total) across ~30 metrics and get one weighted 0-100 verdict — best in green, worst in red. Peers also overlay on the chart above as rebased % lines, or flip the chart to the 2×2 grid for side-by-side mini charts.

Comparing UPST no peers yet — add up to 4 below
Sector peers + JPM + V + MA + BAC + WFC + GS
Popular + AAPL + MSFT + NVDA + AMZN + GOOG + META + TSLA + AVGO
Matchups NVDA · AMD · AVGO · SMCI · MU AAPL · MSFT · GOOG · META · AMZN JPM · GS · MS · BAC · C TSLA · RIVN · LCID · GM · F XOM · CVX · OXY · COP

Add tickers to compare with UPST

~30 metrics across Snapshot, OdysseyHQ zone, Valuation, Growth, Quality, Technicals, Sentiment, and Risk — with a weighted score and a one-line read on each.

Earnings replay · last 20 reports

How this stock actually behaves on report day: each past earnings print with the beat-or-miss and the next-day move — a track record for handicapping the next one.

DateEPS actual EPS estSurprise Next-day
2026-05-05 0.30 0.43 -29.0% -7.9%
2026-02-10 0.50 0.46 +7.6% -15.0%
2025-11-04 0.52 0.42 +23.4% -9.7%
2025-08-05 0.36 0.25 +41.6% -18.7%
2025-05-06 0.30 0.17 +75.9% -9.7%
2025-02-11 0.26 -0.04 +750.2% +31.8%
2024-11-07 -0.06 -0.15 +59.1% +46.0%
2024-08-06 -0.17 -0.39 +56.7% +39.5%
2024-05-07 -0.31 -0.39 +20.0% -5.6%
2024-02-13 -0.11 -0.14 +21.4% -19.6%
2023-11-07 -0.05 -0.02 -158.0% -27.3%
2023-08-08 0.06 -0.07 +187.6% -34.2%
2023-05-09 -0.47 -0.81 +41.8% +34.6%
2023-02-14 -0.25 -0.47 +47.2% +28.1%
2022-11-08 -0.24 -0.08 -192.6% -10.4%
2022-08-08 0.01 0.08 -86.9% -11.8%
2022-05-09 0.61 0.53 +15.3% -56.4%
2022-02-15 0.89 0.51 +75.2% +35.6%
2021-11-09 0.60 0.33 +80.4% -18.2%
2021-08-10 0.62 0.25 +149.2% +26.2%

Earnings markers are overlaid on the daily price chart above. Click a ▲ marker for that day's move.

Peer comparison · Financial Services

Context check: the same key numbers for the closest Financial Services names side by side, so you can tell whether this stock is the standout or just moving with its group.

Ticker ⇅ Mkt cap ⇅ P/E ⇅ Fwd P/E ⇅ P/S ⇅ EV/EBITDA ⇅ P/B ⇅ Gross M ⇅ Rev gr ⇅ EPS gr ⇅ FCF yld ⇅
UPST ★ $3B 72.0 8.8 2.4 43.8 3.9 82.7% 44.6% — -11.07%
JPM $907B 14.6 13.9 4.9 — 2.6 — 30.4% 46.9% —
V $682B 31.3 24.1 15.8 22.8 19.2 97.8% 17.1% 35.5% 3.06%
MA $480B 31.4 23.9 14.2 23.0 71.8 100.0% 15.8% 21.2% 3.36%
BAC $435B 14.2 11.7 3.8 — 1.6 — 21.4% 36.0% —
WFC $268B 12.7 11.1 3.2 — 1.6 — 9.5% 25.0% —
GS $314B 16.4 14.7 4.7 — 2.9 82.1% 42.5% 92.3% —
MS $339B 17.4 16.0 4.4 — 3.3 87.6% 28.0% 62.4% —

Auto-seeded from sector. Click any ticker to switch.

Ownership

Who holds the stock and what they've been doing lately — big funds on the left, executives' own buys and sells on the right. Insider buying is the rarer, louder signal.

Top institutional holders

Top-10 concentration: 32.29%

HolderShares% out
Blackrock Inc. 7,403,079 7.73%
Morgan Stanley 3,975,059 4.15%
Vanguard Capital Management LLC 3,752,050 3.92%
Vanguard Portfolio Management LLC 3,743,541 3.91%
Marshall Wace LLP 3,280,110 3.43%
Geode Capital Management, LLC 2,124,078 2.22%
State Street Corporation 2,053,086 2.15%
Goldman Sachs Group Inc 1,559,486 1.63%
Clear Street Group Inc. 1,555,206 1.62%
Halter Ferguson Financial Inc. 1,467,360 1.53%

Insider activity · 90d

6 buys / 8 sells · ratio 0.75 · Finnhub

  • Datta Sanjay SELL 313,556 @ $30.41
  • Bernard Peter J BUY 11,392
  • O'Kelly Ciaran BUY 39,484
  • Hentges Mary BUY 37,149
  • Cooper Kerry Whorton BUY 6,476
  • Terry Hilliard C. III BUY 37,432
  • Wennes Timothy H BUY 6,476
  • Mirgorodskaya Natalia SELL 37,374 @ $28.99
  • Mirgorodskaya Natalia SELL 38,348 @ $28.77
  • Datta Sanjay SELL 328,556 @ $28.77

Analyst estimates

Finnhub

What Wall Street expects next: the consensus forecasts for the coming quarters. The market usually reacts to results versus these numbers, not the raw results themselves.

Low
$20.0
Mean
$41.06667
High
$80.0
Analysts
15
Recommendation distribution · period 2026-07-01
4
9
7
1
Revision trend (2026-04-01 → 2026-07-01): net 12 → 12 0 (net = strong_buy+buy − sell−strong_sell)

SEC filings

The company's own paperwork, straight from the regulator — annual and quarterly reports, big announcements and insider trades. The primary source behind every headline.

FormFiled DescriptionAction
4 2026-06-11 FORM 4 view ·
4 2026-06-02 FORM 4 view ·
4 2026-06-02 FORM 4 view ·
4 2026-06-02 FORM 4 view ·
4 2026-06-02 FORM 4 view ·
4 2026-06-02 FORM 4 view ·
4 2026-06-02 FORM 4 view ·
8-K 2026-05-28 8-K view ·
4 2026-05-27 FORM 4 view ·
4 2026-05-22 FORM 4 view ·
4 2026-05-22 FORM 4 view ·
4 2026-05-22 FORM 4 view ·
8-K 2026-05-19 8-K view ·
4 2026-05-18 FORM 4 view ·
4 2026-05-18 FORM 4 view ·
4 2026-05-18 FORM 4 view ·
4 2026-05-18 FORM 4 view ·
4 2026-05-14 FORM 4 view ·
4 2026-05-08 FORM 4 view ·
4 2026-05-08 FORM 4 view ·
10-Q 2026-05-05 10-Q view ·
8-K 2026-05-05 8-K view ·
DEF 14A 2026-04-16 DEF 14A view ·
4 2026-04-02 FORM 4 view ·
8-K 2026-03-10 8-K view ·
4 2026-03-03 FORM 4 view ·
4 2026-03-03 FORM 4 view ·
4 2026-03-03 FORM 4 view ·
4 2026-03-03 FORM 4 view ·
4 2026-02-27 FORM 4 view ·
4 2026-02-24 FORM 4 view ·
4 2026-02-24 FORM 4 view ·
4 2026-02-24 FORM 4 view ·
8-K 2026-02-19 8-K view ·
10-K 2026-02-10 10-K view ·
8-K 2026-02-10 8-K view ·
8-K 2026-02-10 8-K view ·
4 2026-01-23 FORM 4 view ·
4 2026-01-16 FORM 4 view ·
4 2026-01-16 FORM 4 view ·
4 2026-01-16 FORM 4 view ·
4 2026-01-07 FORM 4 view ·
4 2025-12-16 FORM 4 view ·
4 2025-12-16 FORM 4 view ·
4 2025-11-26 FORM 4 view ·
4 2025-11-24 FORM 4 view ·
4 2025-11-24 FORM 4 view ·
4 2025-11-24 FORM 4 view ·
4 2025-11-13 FORM 4 view ·
10-Q 2025-11-04 10-Q view ·
8-K 2025-11-04 8-K view ·
4 2025-10-28 FORM 4 view ·
4 2025-10-03 FORM 4 view ·
4 2025-09-19 FORM 4 view ·
4 2025-09-17 FORM 4 view ·
4 2025-09-05 FORM 4 view ·
4 2025-09-04 FORM 4 view ·
4 2025-09-04 FORM 4 view ·
4 2025-09-04 FORM 4 view ·
4 2025-08-27 FORM 4 view ·

About UPST

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

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STOCK Act disclosures

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SEC filings & insiders · UPST

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Holders · UPST

Institutions & insider activity

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