SURVYR

UPST

Upstart Holdings, Inc.
$23.71
+$0.71 (3.09%)Oct 27 close
Financial Services CompareTechnicals
1M3M6M1Y2Y
-58%-40%-21%-3%+15%Oct 2025Oct 2026Apr 202652w high $53.1852w low $22.21
UPSTSPY
Wall St. Highest PT $61.00 (+157.3%) Wall St. Avg PT $38.38 (+61.9%)
$23$38$52$67$82POC $30Hi $61Avg $38
Underwater Drawdown %Max DD -56.9%Current -55.0%
0.0%-56.9%
Relative Strength vs SPY-68.6% vs SPYUnderperforming
+81%0%-81%
1W
+$0.06 (0.25%)
1M
−$0.10 (0.42%)
3M
−$4.11 (14.77%)
6M
−$9.15 (27.85%)
YTD
−$20.02 (45.78%)
1Y
−$29.03 (55.04%)

Chart

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Ratings & dials

1m · 5m · 15m · 1h · 4h · 1D

Analyst & Morningstar ratings

Consensus · Targets · Morningstar
Wall Street analyst consensus
SellHoldStrong Buy
Buy
16 analysts · mean score 2.19
1 = Strong Buy · 5 = Sell
Strong Buy212%
Buy638%
Hold744%
Underperform00%
Sell16%
Wall Street consensus
Analyst price targets
Current price$23.71
Average target$38.38
+$14.67 (+61.9%) upsideaverage target vs current price
CurrentAverageMedian
Low$18.00
Median$38.50
High$61.00
12-month Wall Street target range
Recent analyst rating changes · 30
Reiterated
2026-10-15 · Citizens reiterated Market Underperform on UPST
Reiterated
2026-10-13 · Goldman Sachs reiterated Neutral on UPST
Reiterated
2026-09-22 · BTIG reiterated Buy on UPST
Initiated
2026-09-09 · Loop Capital started covering UPST at Hold
Reiterated
2026-08-05 · Needham reiterated Buy on UPST
Reiterated
2026-08-05 · Piper Sandler reiterated Overweight on UPST
All analyst rating changes ›

Third-party ratings, not SURVYR.'s views.

Key stats & company

Market value$2.3B
P/E (last 12 months)47.4
P/E (next 12 months, estimated)6.6
52-week range$22.21 – $53.18
Revenue growth (latest quarter vs a year ago)+42.3%
Dividend yieldNo dividend
Analyst consensusBuy (16)
Average analyst price target$38.38 (+62%)

What they do

Upstart Holdings, Inc. 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.

Financial Services · Credit Services
Valuation and fundamentals

Valuation & fundamentals

Loading the valuation from SEC filings…

For information only · Important disclosures

Grades vs sector

No sector grades for UPST yet. Grades rank S&P 1500 stocks within their sector and refresh after each daily data run, so a stock outside that index or newly covered has none.

Systematic Models

Not held by any of our 7 live models right now.

Quality Growth
Outside this model's universe or screens
 Momentum Top 15
Outside this model's universe or screens
 Momentum Blend
Not in the current book
 New Highs Growth
Outside this model's universe or screens
 SURVYR. Barbell Momentum & T-Bill Shield
Outside this model's universe or screens
 SURVYR. Physical AI Grid & Power
Outside this model's universe or screens
 SURVYR. Long Book
Not in the current book

Earnings & events

UPST earningsNext report in 6 days
Next report · quarter Sep 2026
Tue Nov 3, 2026Before the open
EPS consensus$0.65 range $0.45–$0.88
Revenue consensus$364.8M 13 analysts
Last 4 quarters · EPS vs estimate
Aug 4, 2026$0.57est $0.55+2.7%Above estimates
May 5, 2026$0.30est $0.43−29.0%Below estimates
Feb 10, 2026$0.50est $0.46+7.6%Above estimates
Nov 4, 2025$0.52est $0.42+23.4%Above estimates

In line = within 1% of the estimate.

Source: Yahoo Finance · report time: Nasdaq earnings calendar · refreshed 2026-10-27 18:04:20 ET
24-1125-0225-0525-0825-1126-0226-0526-08-0.150.57
EstimateActual (beat)Actual (miss)

Quarterly revenue

QuarterRevenueYoY
2026-06-30$364.7M+41.7%
2026-03-31$308.2M–
2025-12-31$276.2M–
2025-09-30$277.1M–
2025-06-30$257.3M–

News & catalysts

More news
Stock Market Today, Oct. 27: SoFi Soars 13% After Beating Estimates and Raising Guidance
Motley Fool · 7h ago
Rating changes
Reiterated
2026-10-15 · Citizens reiterated Market Underperform on UPST
Reiterated
2026-10-13 · Goldman Sachs reiterated Neutral on UPST
Reiterated
2026-09-22 · BTIG reiterated Buy on UPST
Initiated
2026-09-09 · Loop Capital started covering UPST at Hold
Reiterated
2026-08-05 · Needham reiterated Buy on UPST
Reiterated
2026-08-05 · Piper Sandler reiterated Overweight on UPST

Third-party analyst actions, not SURVYR.'s views. All rating changes

Insider trades
Gu Paul
Director, Chief Executive Officer · 2026-09-10
Buy
$1.3M
Datta Sanjay
President, Capital& Enterprise · 2026-09-08
Sell
$3.2M
Mirgorodskaya Natalia
See Remarks · 2026-08-25
Sell
$27.4K
Mirgorodskaya Natalia
See Remarks · 2026-08-20
Sell
$16.5K
Darling Scott
Chief Legal Officer · 2026-08-20
Sell
$216.2K
Datta Sanjay
President, Capital& Enterprise · 2026-08-20
Sell
$251.3K
Blankmeyer Andrea
Chief Financial Officer · 2026-08-19
Sell
$88.0K
Datta Sanjay
President, Capital& Enterprise · 2026-08-19
Sell
$314.6K
Blankmeyer Andrea
Chief Financial Officer · 2026-08-17
Sell
$210.6K
Darling Scott
Chief Legal Officer · 2026-08-17
Sell
$23.9K
Datta Sanjay
President, Capital& Enterprise · 2026-08-17
Sell
$59.7K

Stats refreshed 2026-10-27 18:04:20 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

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Systematic research · Not investment advice · Hypothetical unless marked Live · Data: Yahoo Finance (15-min delayed), SEC EDGAR, House Clerk · Important disclosures · Contact desk@coteau.app

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Coteau 0.9 · Oct 21, 2026