In the journey to outperform the market, investors delve into the art of stock selection. Choosing the right stocks can be a powerful driver for wealth accumulation.
The price of Upstart Holdings Inc (NASDAQ: UPST) closed at $45.29 in the last session, down -2.14% from day before closing price of $46.28. In other words, the price has decreased by -$2.14 from its previous closing price. On the day, 2.38 million shares were traded. UPST stock price reached its highest trading level at $45.945 during the session, while it also had its lowest trading level at $44.86.
Ratios:
We take a closer look at UPST’s different ratios to gain a better understanding of the stock. 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:
An investor can also benefit from insider trades by learning what management is thinking about the future direction of stock prices. 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 4406104576 and an Enterprise Value of 5861873664. As of this moment, Upstart’s Price-to-Earnings (P/E) ratio for their current fiscal year is 198.81, and their Forward P/E ratio for the next fiscal year is 19.14. For the stock, the TTM Price-to-Sale (P/S) ratio is 4.56 while its Price-to-Book (P/B) ratio in mrq is 5.92. Its current Enterprise Value per Revenue stands at 5.875 whereas that against EBITDA is 80.242.
Stock Price History:
The Beta on a monthly basis for UPST is 2.39, which has changed by -0.30333793 over the last 52 weeks, in comparison to a change of 0.15024745 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 0.70%, while the 200-Day Moving Average is calculated to be -17.65%.
Shares Statistics:
According to the various share statistics, UPST traded on average about 5.45M shares per day over the past 3-months and 3544310 shares per day over the past 10 days. A total of 97.28M shares are outstanding, with a floating share count of 84.71M. Insiders hold about 12.93% of the company’s shares, while institutions hold 73.79% stake in the company. Shares short for UPST as of 1767139200 were 26676885 with a Short Ratio of 4.89, 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 dynamic stock of Upstart Holdings Inc (UPST) is currently being evaluated by a team of 12.0 analysts, each contributing to its current 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
According to 12 analysts,. The current quarter’s revenue is expected to be $288.56M. It ranges from a high estimate of $292.42M to a low estimate of $287M. 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 $1.12B.
