Companies /Financial Services

Upstart Holdings Inc

NASDAQ: UPST Credit Services
$24.19
▲ $0.17 (+0.71%) today
Markets closed · 9:10pm ET

24/7 Wall St. View

Earnings Miss −70.7% EPS vs. the estimate, revenue, and how the market reacted. UPST earnings history →

UPST at a Glance

Valuation
Market cap
$2.3B
P/E ratio
48.0
Profitability
Revenue (TTM)
$1.3B
Profit margin
4.7%
EPS (TTM)
$0.50
Price
52-week range
$23 – $55
Street target
$40.00
Earnings
Next report
Nov 3, 2026
Q2 2026 EPS
$0.16
vs. $0.55 est.
−70.7%

Headquartered in San Mateo, CA Fiscal year ends December NASDAQ: UPST upstart.com

About Upstart

Upstart Holdings, Inc. (NASDAQ: UPST) operates an AI-powered lending marketplace that connects millions of consumers to more than 100 banks and credit unions. The company's AI models and cloud applications enable lending partners to approve more borrowers at lower rates while delivering a digital-first lending experience. More than 90% of loans on the platform are fully automated with no human intervention. The platform facilitates personal loans, automotive loans, home equity lines of credit (HELOCs), and Cash Line, a revolving unsecured line of credit. Founded in 2012, Upstart generates revenue primarily through platform and referral fees charged to lending partners, servicing fees, and loan sales fees. Updated

Latest Activity

UPSTUpstart
Regular session
$24.34
+6.12%open $22.94

A 6.1% intraday run to $24.35 adds roughly $140 million to a $2.4 billion market cap in a single session. Swings this wide are routine for this lender, so size positions accordingly.

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UPSTUpstart
New 52-week low$23.03-3.3% vs prior low · 2026-09-25

Upstart set a new 52-week low at $23.03, 3.28% under the floor it just made on Sept. 25. The AI lender's market cap is down to $2.2 billion, with no support left on the one-year chart.

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Biggest movers · At the close
Gainers
  • MARAMarathon Digital$10.94+13.4%
  • TEMTempus AI$66.48+8.5%
  • AAOIApplied Optoelectronics$129.38+5.9%
  • FUBOfuboTV$10.79+4.4%
  • CIFRCipher Mining$16.58+4.3%
Losers
  • WMTWalmart$103.1-9.8%
  • IQiQIYI$1.04-8.0%
  • ACHRArcher Aviation$6.04-6.4%
  • UPSTUpstart$28.82-5.8%
  • IONQIonQ$41.39-4.5%

A near 10% single-day drop in a mega-cap retailer like Walmart, closing at $103.10, is the kind of move that rarely shows up on a leaderboard next to small caps. Marathon Digital ran the other way, up 13.37%, with Cipher Mining also in the green.

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Biggest movers · At the close
Gainers
  • TEMTempus AI$60.68+22.9%
  • HIMSHims & Hers$30.74+12.2%
  • GPROGoPro$0.64+7.5%
  • SMRNuScale Power$9.24+6.9%
  • UPSTUpstart$30.97+6.4%
Losers
  • IQiQIYI$1.12-9.2%
  • DOCNDigitalOcean$116.16-7.3%
  • DELLDell Technologies$436.24-6.9%
  • APPSDigital Turbine$11.32-6.6%
  • AAOIApplied Optoelectronics$122.85-6.5%

Tempus AI ended the day up 22.93% at $60.68, the standout in a 110-name priority list where nothing else gained more than 13%. Hardware and infrastructure names took the other side, with Dell shedding 6.92% to $436.24.

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the fintech-lending duel · 3y
$10K invested in each — worth today:
AFRM$51.8K5.2×
UPST$8.9K0.9×

Same industry, same three years, $42,871 of difference: $10,000 in Affirm is now $51,765, while the identical bet on Upstart is worth $8,894, still under water.

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UPST Coverage

1:00pm ET
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Live: Will Upstart Smash Earnings Today?

Live Updates Final Reaction 4:43pm ET Metric Pre Post Signal Capex $1.75B $1.2B 📉 Bearish Margin –30% –32% 📉 Bearish What is holding the stock back after earnings. Takeaway Sentiment Beat on…

UPST
Eric Bleeker
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Frequently Asked Questions

What does Upstart do?

Upstart Holdings, Inc. (NASDAQ: UPST) operates an AI-powered lending marketplace that connects millions of consumers to more than 100 banks and credit unions.

What is the UPST stock price target?

The Wall Street consensus 12-month price target for UPST is $40.00.