UPST$47.91
$48.03
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Performance
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AI UPST Summary
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Powered by LiveAIOverall Analysis
HoldUpstart Holdings (UPST) shows potential in its AI-driven lending platform and has strong performance metrics, but faces significant financial headwinds including consistent losses and high debt. The current technical indicators are mixed, suggesting a 'Hold' rating.
Thematic
Upstart is at the forefront of AI-powered lending and the broader fintech revolution. Its platform addresses significant inefficiencies in traditional credit assessment, positioning it to benefit from increased adoption of AI in financial services and the growing demand for accessible credit.
Fundamental
Upstart's financial performance shows revenue growth and positive EPS surprises in recent quarters, but the company has consistently reported net losses and negative EPS on a trailing twelve-month basis. Its balance sheet indicates significant debt relative to equity and declining cash reserves.
Technical
Upstart's stock price has experienced significant volatility. While it shows some bullish momentum on shorter timeframes, it is trading below its 50-day and 200-day moving averages, suggesting a neutral to slightly bearish short-term outlook. Key support and resistance levels need close monitoring.
| Factor | Score |
|---|---|
| AI in Lending | 95 |
| Fintech Disruption | 85 |
| Economic Sensitivity | 50 |
| Regulatory Landscape | 60 |
| Competition | 70 |
| Factor | Score |
|---|---|
| Valuation | 30 |
| Profitability | 10 |
| Growth | 70 |
| Balance Sheet Health | 20 |
| Cash Flow | 50 |
| Earnings Performance | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 60 |
| Short-term Indicators | 55 |
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Powered by LiveAIBullish Points (7)
Strong Recent Performance
The stock has shown significant positive performance across multiple short-to-medium term periods: 5D (+7.85%), 1M (+30.54%), 6M (+27.21%), and YTD (+36.02%). Notably, the 1Y performance of +216.74% indicates substantial long-term investor gains.
Positive Earnings Surprises
Upstart (UPST) has demonstrated a trend of beating EPS estimates in recent quarters (Q2 2025: +72.86%, Q1 2025: +678.81%). This consistent outperformance suggests effective operational management and demand for its services.
Bearish Points (7)
Consistent Net Losses
Despite revenue growth, Upstart has consistently reported net losses for the trailing twelve months (TTM) and recent fiscal years (e.g., -$12.86M in Q4 2024 annual summary, -$240.13M in Q4 2023 annual summary). This indicates the company is not yet profitable on an overall basis.
Negative or High P/E Ratios
The Price-to-Earnings (P/E) ratio is negative or extremely high (e.g., -657.9 TTM, -45.6 in 2024 annual summary) due to net losses, making traditional valuation comparisons difficult and indicating a high growth expectation not yet supported by profits.
Calendar
August 2025
6
Next Earnings Date
H: $0.31
A: $0.25
L: $0.22
H: 231.32M
A: 225.40M
L: 222.00M
Profile
Upstart Holdings, Inc., together with its subsidiaries, 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 personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Seasonals
Price Target
67.36 USD
The 39 analysts offering 1 year price forecasts for UPST have a max estimate of 105.00 and a min estimate of 20.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 100
Direct competitor specializing in AI-driven credit assessment and loan monetization, highly similar business model to Upstart.
Weight: 95
Key competitor in the online personal loan space, transitioning from a peer-to-peer to a digital bank model.
Weight: 90
Broader fintech company offering personal loans, student loans, and banking services; strong competitor in consumer lending.
Weight: 88
Leader in Buy Now Pay Later (BNPL) using alternative data for credit decisions, showing a similar approach to consumer credit underwriting.