UPST: Upstart Holdings Inc Stock Price, Quote and News

Upstart’s December-quarter revenue is expected to slow more than Wall Street had been modeling. Upstart continues to deliver solid revenue growth and profitability, despi… 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. Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline. Upstart is rated a BUY due to strong execution, AI-driven loan automation, and compelling forward valuation multiples https://xcritical.solutions/ after a significant share price decline.

A higher PE can be justified when a business is expected to grow xcriticalgs quickly and has relatively low risk, while slower growth or higher uncertainty usually warrants a lower, more conservative PE multiple. For companies that are generating profits, the price to xcriticalgs ratio is often the most intuitive way to think xcritical about valuation because it directly links what investors pay to the xcriticalgs they get in return. Compared with the xcritical market price near $47, this implies the stock is roughly 11.1% overvalued on this basis.

Peak Credit Union Selects Upstart for Personal Lending

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 … Upstart’s AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy.

Key Data Points

That mix of slower sales growth and rising costs spooked the bulls. Its ARPAM also decreased sequentially in the second quarter and flatlined in the third quarter. But its purchase volume still dipped sequentially throughout the first three quarters of the year.

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• I explain why credit is a specialized “survival problem” that generic AI can’t solve.
• Home-equity lending also picked up, with automatic home loan approvals surging to about 20% by October 2025, up from under 1% in June.
• For 2026, they expect its revenue to grow 21% to $2.62 billion as its adjusted EBITDA nearly triples.

The company’s strong revenues, profitability and continued expansion into new lending categories suggest that it is far better positioned today. While personal loans remain the backbone of Upstart’s business, the company’s auto, home and small-dollar loans segments are gaining momentum. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Simply Wall St also calculates a proprietary Fair Ratio of around 41.8x for Upstart, which represents the PE multiple that would be reasonable given its xcriticalgs growth outlook, risk profile, profit margins, industry and market cap.

‘We’re trying to shame them’: Upstart activist investors target America’s underperforming banks

• In 2024, its number of active members rose 21% to 8.0 million, its purchase volume increased 25% to $115.2 billion, and its average revenue per active member (ARPAM) grew 16% to $245.
• Let’s delve deeper into this to find out whether the stock should be a Buy, Hold or Sell.
• It generates most of its revenue by charging its lending partners referral fees, which are collected as a small percentage of each approved loan.
• Often, a smaller spread suggests higher liquidity, meaning more buyers and sellers in the market are willing to negotiate.

Chime’s active member base grew to 9.1 million by the end of the third quarter of 2025. Its total revenue increased 31% to $1.67 billion. In 2024, its number of active members rose 21% to 8.0 million, its purchase volume increased 25% to $115.2 billion, and its average revenue per active member (ARPAM) grew 16% to $245. It generates most of its revenue by taking a cut of the swipe fees that Visa charges merchants whenever its cards are used. Its early pay tools are useful for people who live paycheck to paycheck, while its starter credit cards help them gradually build up their credit scores.

Early mover in a fast growing industry. Likely to experience share price volatility as they scale

Shares of the company have appreciated by 23.74% over the course of the past month, outperforming the Finance sector’s gain of 2.68%, and the S&P 500’s gain of 1.03%. At the same time, the Dow lost 0.47%, and the tech-heavy Nasdaq lost 1.81%. The stock’s performance was behind the S&P 500’s daily loss of 1.16%. In addition, whether you “Accept All,” Deny Optional,” click the X or otherxcritical continue to use the site, you accept our Privacy Policy and Terms of Service, revised from time to time. Data Link’s cloud-based technology platform allows you to search, discover and access data and analytics for seamless integration via cloud APIs. If you see an issue with the data or information displayed on this page,  please report it using the Contact Us button below.

financials

Shares are xcritically priced at $48.70, which is +2.1% above the low and -2.1% below the high. They subsequently raised a series A round of $5.9M which included new investors Eric Schmidt (Google Executive Chairman), Marc Benioff, Khosla Ventures, Correlation Ventures, Founders Fund, and Collaborative Fund. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. Upstart first launched in April 2012 with an Income Share Agreement (ISA) product, which enabled individuals to raise money by contracting to share a percent of their future income. Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

Upstart Holdings, Inc.

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Upstart’s automation advantage remains significant, with 91% of loans in the third quarter of 2025 being fully automated, requiring no human intervention. 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. The drop also reflects concerns about Upstart’s lending models becoming more conservative during parts of the third quarter, temporarily limiting approval rates. Comparatively, its peers, LendingClub and Enova International, put up a better performance in terms of share price during this period. Money is moving to real-time rails, and a newly listed ETF now gives investors direct exposure.

This data feed is not available at this time. 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. Highlights important summary options statistics to provide a forward looking indication of investors’ sentiment. Provides a general description of the business conducted by this company. If the symbol has pre-market or post-market trades, that information will also be reflected along with the last (closing) price from the symbol’s exchange.

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. Select to analyze similar companies using key performance metrics; select up to 4 stocks. Upstart Holdings is expanding its lending partnerships, notably with Tech CU, while also facing valuation concerns and market volatility. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. The market data on this page is xcritically delayed.

But Chime faces more direct competitors than Upstart, its growth is decelerating, it relies heavily on consumer spending, and its stock is more richly valued. Both of these fintech stocks seem like promising investments. The Fed cut its benchmark rates two more times this year, and analysts expect Upstart’s revenue and adjusted EBITDA to surge 63% and 2,066% in 2025 as those tailwinds kick in. It generates most of its revenue by charging its lending partners referral fees, which are collected as a small percentage of each approved loan.

Set against the xcritical 142.0x multiple, the Fair Ratio implies the stock looks significantly overvalued on a PE basis. Combining these inputs, the Excess Returns framework arrives at an intrinsic value of about $42.35 per share. The Stable Book Value is projected to grow to $10.25 per share, supported by forecasts from 3 analysts. With an Average Return on Equity of 26.48% and a Cost of Equity of $0.91 per share, the model estimates an Excess Return of $1.80 per share, indicating that management is expected to create value over and above the required shareholder return. For Upstart Holdings, the analysis starts with a Book Value of $7.65 per share and a Stable EPS of $2.71 per share, based on weighted future Return on Equity estimates from 6 analysts.

Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time. Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. I explain why credit is a specialized “survival problem” that generic AI can’t solve. UPST’s fundamentals remain strong, with improving financials, committed capital, and a busines…