For those aiming to surpass market returns, the art of stock picking is crucial. Making wise choices in stocks can greatly enhance your overall wealth.
Upstart Holdings Inc (NASDAQ: UPST) closed the day trading at $47.1 up 4.09% from the previous closing price of $45.25. In other words, the price has increased by $4.09 from its previous closing price. On the day, 4.2 million shares were traded. UPST stock price reached its highest trading level at $47.75 during the session, while it also had its lowest trading level at $44.4.
Ratios:
For a better understanding of UPST, let’s look at its different ratios. For the most recent quarter (mrq), Quick Ratio is recorded 4.50 and its Current Ratio is at 4.50. In the meantime, Its Debt-to-Equity ratio is 2.62 whereas as Long-Term Debt/Eq ratio is at 2.62.
Upgrades & Downgrades
In the most recent recommendation for this company, Truist on January 06, 2026, initiated with a Buy rating and assigned the stock a target price of $59.
On August 20, 2025, JP Morgan Upgraded its rating to Overweight which previously was Neutral but kept the price unchanged to $88.
Insider Transactions:
The insider trade also gives investors a glimpse into the future direction of stock prices, which can be beneficial to investors. A recent insider transaction in this stock occurred on Jan 05 ’26 when Darling Scott sold 1,000 shares for $50.00 per share. The transaction valued at 50,000 led to the insider holds 17,435 shares of the business.
Darling Scott bought 1,000 shares of UPST for $50,000 on Jan 05 ’26. On Dec 12 ’25, another insider, Cooper Kerry Whorton, who serves as the Director of the company, sold 1,500 shares for $50.00 each. As a result, the insider received 75,000 and left with 23,934 shares of the company.
Valuation Measures:
Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, UPST now has a Market Capitalization of 4582193152 and an Enterprise Value of 6037962240. As of this moment, Upstart’s Price-to-Earnings (P/E) ratio for their current fiscal year is 206.76, and their Forward P/E ratio for the next fiscal year is 19.91. For the stock, the TTM Price-to-Sale (P/S) ratio is 4.74 while its Price-to-Book (P/B) ratio in mrq is 6.16. Its current Enterprise Value per Revenue stands at 6.052 whereas that against EBITDA is 82.653.
Stock Price History:
The Beta on a monthly basis for UPST is 2.38, which has changed by -0.27796394 over the last 52 weeks, in comparison to a change of 0.1726681 over the same period for the S&P500. Over the past 52 weeks, UPST has reached a high of $96.43, while it has fallen to a 52-week low of $31.40. The 50-Day Moving Average of the stock is 5.98%, while the 200-Day Moving Average is calculated to be -14.15%.
Shares Statistics:
Over the past 3-months, UPST traded about 5.80M shares per day on average, while over the past 10 days, UPST traded about 5041050 shares per day. A total of 97.28M shares are outstanding, with a floating share count of 84.71M. Insiders hold about 12.92% of the company’s shares, while institutions hold 72.78% stake in the company. Shares short for UPST as of 1767139200 were 26676885 with a Short Ratio of 4.60, compared to 1764288000 on 23623685. Therefore, it implies a Short% of Shares Outstanding of 26676885 and a Short% of Float of 31.219998.
Earnings Estimates
The stock of Upstart Holdings Inc (UPST) is currently being evaluated by 12.0 analysts who are actively contributing to its market rating.The consensus estimate for the next quarter is $0.49, with high estimates of $0.67 and low estimates of $0.35.
Analysts are recommending an EPS of between $1.92 and $1.33 for the fiscal current year, implying an average EPS of $1.67. EPS for the following year is $2.39, with 15.0 analysts recommending between $3.13 and $2.01.
Revenue Estimates
12 analysts predict $288.56M in revenue. The current quarter. It ranges from a high estimate of $292.42M to a low estimate of $287M. As of. The current estimate, Upstart Holdings Inc’s year-ago sales were $218.96MFor the next quarter, 12 analysts are estimating revenue of $278.14M. There is a high estimate of $308.4M for the next quarter, whereas the lowest estimate is $240.87M.
A total of 14 analysts have provided revenue estimates for UPST’s current fiscal year. The highest revenue estimate was $1.04B, while the lowest revenue estimate was $1.03B, resulting in an average revenue estimate of $1.04B. In the same quarter a year ago, actual revenue was $636.53MBased on 15 analysts’ estimates, the company’s revenue will be $1.27B in the next fiscal year. The high estimate is $1.4B and the low estimate is $1.1B.
