Upstart Holdings Stock Price UPST Stock Quote, News, and History

This data feed is not available at this time. The bid & ask refers to the price that an investor is willing to buy or sell a stock. Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. Upstart’s AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy. Upstart’s December-quarter revenue is expected to slow more than Wall Street had been modeling.

If you want to know more about this company, you may want to consider ordering the latest extract concerning the company you are interested in doing business with. For now, Upstart looks best suited as a hold, a stock worth watching closely rather than rushing to buy or sell amid short-term market turbulence. The company’s strong revenues, profitability and continued expansion into new lending categories suggest that it is far better positioned today.

Upstart Stock Trades at Premium Value: Should You Buy, Hold or Sell?

Over time, this framework will unlock significant improvements in its ability to monetize model wins that benefit borrowers. This operational efficiency supports scalability and enables lenders to approve more loans to borrowers, faster and often at lower interest rates. However, despite this, Upstart posted a stellar third-quarter 2025 performance, with revenues surging 71% year over year to $277 million and loan originations climbing 80% to $2.9 billion. However, a more conservative model pushed the conversion rate down to 20.6% from 23.9% last quarter, though still above 16.3% a year ago.

Company Insights: UPST

Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline. Q3 showed Upstart’s model can scale profitably, but macro and credit headlines can quickly cap loan originations and pressure guidance. Upstart is rated a BUY due to strong execution, AI-driven loan automation, and compelling forward valuation multiples after a significant share price decline.

UPST’s AI-driven model conservatism and ongoing macro sensitivity show caution. However, the consensus mark for 2026 EPS has been revised 27 cents downward to $2.65, over the same time frame. Upstart is also carrying a larger-than-normal loan balance as it transitions new products off its books, and any delay in securing partner deals could prolong this transition. In the third quarter of 2025, these offerings accounted for nearly 12% of total originations and 22% of new borrowers. The decline https://xcritical.solutions/ stemmed from UPST’s AI-driven risk models tightening approvals and raising interest rates, responding to elevated macro signals. Upstart achieved decent progress on its plan of rapid growth, profitability and AI leadership.

Upstart delivered strong Q3 results on November 4, 2025, with 80% Y/Y origination growth and a 71% Y/Y increase in revenues, driven by robust loan demand. The AI lending platform misinterpret… According to 13 analysts, the average rating for UPST stock is “Hold.” The 12-month stock price target is $60.79, which is an increase of 24.30% from the latest price. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

The drop also reflects concerns about Upstart’s lending models becoming more conservative during parts of the third quarter, temporarily limiting approval rates. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. Real-time bid and ask information is powered by Nasdaq Basic, a premier market data solution. The Auto Lending segment is involved in auto refinance and auto retail loans. The Personal Lending segment focuses on unsecured personal loans and small dollar loans.

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Consumer demand remained robust, with loan applications jumping about 30% quarter over quarter to more than 2 million, the highest in more than three years. According to the company, its AI platform is performing as designed, adapting to evolving macro signals while delivering solid results. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. Register for your free account today at data.nasdaq.com. Data Link’s cloud-based technology platform allows you to search, discover and access data and analytics for seamless integration via cloud APIs.

Upstart Holdings Analyst Opinions

Upstart continues to deliver solid revenue growth and profitability, despi… Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time. We provide a platform for our authors to report on investments fairly, accurately, and from the investor’s point of view. We’d like to share more about how we work and what drives our day-to-day business. Select to analyze similar companies using key performance metrics; select up to 4 stocks.

• Recent insider confidence and growth projections indicate potential for future revenue increases despite recent stock performance challenges.
• We’d like to share more about how we work and what drives our day-to-day business.
• For now, Upstart looks best suited as a hold, a stock worth watching closely rather than rushing to buy or sell amid short-term market turbulence.
• German sportswear giant Puma is set to cut 900 corporate jobs worldwide by the end of 2026, deepening a restructuring effort aimed at reviving growth after a sharp sales dip.
• Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time.
• With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well.

You can conduct your research by ordering its company financial accounts. This document is proof that your Dutch company is registered at KVK. When you need to open a bank account for your Dutch company, the latest extract is one of the documents which all banks ask for. It could be a costly mistake if you later found out that this person has no authority, or limited authority, to represent his/her company. Before entering into a contract with a third party, it is essential to check whether the person you are dealing with has the authority to represent their company.

Upstart Holdings (UPST): Firm Announces New Castlelake Deal

How costly would it be if you found out after making a payment for a service or product to a company that it never existed? How do you know they are a Dutch company? A KVK extract is like a company certificate of incorporation but with extra information about a Dutch company. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Upstart’s three-month slide contrasts sharply with its strong third-quarter execution. Premium valuation is also justified, considering its strong xcriticalgs growth prospects and solid fundamentals.

Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

• Upstart Holdings is expanding its lending partnerships, notably with Tech CU, while also facing valuation concerns and market volatility.
• However, the consensus mark for 2026 EPS has been revised 27 cents downward to $2.65, over the same time frame.
• Comparatively, its peers, LendingClub and Enova International, put up a better performance in terms of share price during this period.
• In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace.

Key Data in USD

Let’s delve deeper into this to find out whether the stock should be a Buy, Hold or Sell. The decline has raised questions about whether this is another temporary stumble or a sign of deeper trouble in the credit landscape. Comparatively, its peers, LendingClub and Enova International, put up a better performance in terms of share price during this period. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Data provided by Nasdaq Data Link, a premier source for financial, economic and alternative datasets.

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Beyond automated loans, Upstart launched a machine lxcriticalg model to optimize take rates. Upstart’s automation advantage remains significant, with 91% of loans xcritical courses scam in the third quarter of 2025 being fully automated, requiring no human intervention. It’s time to upgrade the stock, as recent stock price declines create an attractive entry point for growth-focused investors. Home-equity lending also picked up, with automatic home loan approvals surging to about 20% by October 2025, up from under 1% in June.

Upstart Holdings Profile

Recent insider confidence and growth projections indicate potential for future revenue increases despite recent stock performance challenges. Upstart Holdings is expanding its lending partnerships, notably with Tech CU, while also facing valuation concerns and market volatility. The market data on this page is xcritically delayed. The roles of company secretary in a Dutch company To put the company into liquidation This report includes a maximum of three previous years’ financial reports (if applicable); this information provides you with a picture of the financial situation of a business.

SoFi Technologies stands out as a diversified digital bank with strong revenue growth, profitability, and a robust customer ecosystem. Despite market concerns, large bank xcriticalgs confirm … German sportswear giant Puma is set to cut 900 corporate jobs worldwide by the end of 2026, deepening a restructuring effort aimed at reviving growth after a sharp sales dip.

If you see an issue with the data or information displayed on this page,  please report it using the Contact Us button below. This data feed is available via Nasdaq Data Link APIs; to learn more about subscribing, visit Learn More About Nasdaq Basic. Often, a smaller spread suggests higher liquidity, meaning more buyers and sellers in the market are willing to negotiate. To buy at that price, and the ask size is the number of shares offered for sale at that price. Upstart’s AI model is trained on ove… I explain why credit is a specialized “survival problem” that generic AI can’t solve.

The Zacks Consensus Estimate for 2025 EPS suggests a significant growth from the prior-year quarter, while that for 2026 EPS projects 57.7% growth. The market remains cautious about model volatility, notably the rapid tightening of approvals. Small-dollar relief loans advanced rapidly, too, with qualified borrowers now receiving funds in about 90 seconds.