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Q3 2026 earnings • 8:00 AM today
See details
UPST:NASDAQ
Upstart Holdings Inc
$21.31
-7.43%
(-1.71) 1D
$21.80
+2.30% (+0.49)
After hours
Closed: Nov 2, 4:00:00 PM GMT-5  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for UPST...
Open
$23.39
High
$23.50
Low
$20.96
Mkt. cap
2.07B
Avg. vol.
4.07M
Volume
0.00
P/E ratio
39.60
52-wk high
$52.10
52-wk low
$20.96
EPS
$0.54
Beta
2.43
Shares outstanding
97.31M
No. of employees
1K
Open
$23.39
High
$23.50
Low
$20.96
Mkt. cap
2.07B
Avg. vol.
4.07M
Volume
0.00
P/E ratio
39.60
52-wk high
$52.10
52-wk low
$20.96
EPS
$0.54
Beta
2.43
Shares outstanding
97.31M
No. of employees
1K
News stories
From web sources and news partners
Profile
Upstart is a lending platform based in San Mateo, California. It was first launched in April 2012 with an Income Share Agreement product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. This means that in addition to traditional underwriting criteria—FICO score, credit report, and income—the Upstart underwriting considers education variables—colleges attended, area of study, GPA, and standardized test scores—and work history to develop a statistical model of the borrower's financial capacity and personal propensity to repay. Upstart raised a $1.75M seed round from First Round Capital, Kleiner Perkins Caufield & Byers, New Enterprise Associates, Google Ventures, Crunchfund and Mark Cuban. Wikipedia
About Upstart Holdings Inc
CEODave Girouard
Employees1.4K
FoundedApr 2012
HeadquartersSan Mateo, California, United States
SectorPayment service provider
Websiteupstart.com
Analyst ratings
Based on 12 analysts giving stock ratings to UPST in the past 3 months
Buy
Buy
7
Hold
5
Sell
0
12-month forecast
Based on 12 Wall Street analysts offering 12 month price targets for UPST in the last 3 months.
Highest
Current $21.31
$54.00 (+153.40%)
Average
$37.73 (+77.05%)
Lowest
$18.00 (-15.53%)
Analyst
Recommendation
Action
Price target
Projected
Date
Mihir Bhatia
Bank of America Securities
Hold
Reiterated
$30.00
+40.8%
11/01/2026
David Scharf
Citizens JMP
Buy
Maintained
$18.00
-15.5%
10/15/2026
Will Nance
Goldman Sachs
Hold
Reiterated
$28.00
+31.4%
10/13/2026
Kyle Peterson
Needham
Buy
Reiterated
$42.00
+97.1%
10/06/2026
Vincent Caintic
BTIG
Buy
Reiterated
$43.00
+101.8%
09/21/2026
Unknown Analyst
Loop Capital Markets
Hold
Initiated
$34.00
+59.5%
09/08/2026
Reginald Smith
Loop Capital Markets
Hold
Initiated
$34.00
+59.5%
09/08/2026
Arvind Ramnani
Truist Financial
Buy
Maintained
-
-
09/04/2026
Manyi Lu
DBS
Hold
Maintained
$35.00
+64.2%
08/13/2026
Unknown Analyst
B. Riley Securities
Buy
Reiterated
$54.00
+153.4%
08/05/2026
James Faucette
Morgan Stanley
Hold
Reiterated
$35.00
+64.2%
08/06/2026
Patrick Moley
Piper Sandler
Buy
Reiterated
$51.00
+139.3%
08/05/2026
Dan Dolev
Mizuho Securities
Buy
Reiterated
$45.00
+111.2%
08/05/2026
Peter Christiansen
Citi
Buy
Maintained
$61.00
+186.3%
07/22/2026
John Hecht
Jefferies
Hold
Reiterated
$30.00
+40.8%
06/09/2026
Ken Shih
DBS
Hold
Maintained
$28.00
+31.4%
05/06/2026
Giuliano Bologna
Compass Point
Hold
Upgraded
$30.00
+40.8%
02/16/2026
Unknown Analyst
Stephens
Hold
Maintained
$45.00
+111.2%
02/11/2026
Next call in 4:06:09
Today, 8:00 AM
Fiscal period
Q3 2026
- / $0.65
Revenue / Est. (USD)
- / 363.70M
Fiscal Q3 2026 earnings call
Waiting for the earnings call
At a glance: upcoming earnings
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Revenue
Net income
All values in USD
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Revenue
285.90M
304.17M
318.58M
377.24M
Cost of goods sold
49.79M
51.84M
55.10M
61.32M
Cost of revenue
49.79M
51.84M
55.10M
61.32M
Research and development expenses
64.03M
66.91M
80.11M
93.86M
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
139.62M
158.42M
180.52M
194.89M
Operating expense
203.65M
225.33M
260.64M
288.75M
Total operating expenses
253.44M
277.17M
315.73M
350.07M
Operating income
32.46M
27.00M
2.85M
27.17M
Other non operating income
1.02M
-24.08M
956.00K
2.51M
EBT including unusual items
31.93M
19.16M
-6.56M
17.15M
EBT excluding unusual items
24.68M
19.16M
-6.56M
17.15M
Income tax expense
124.00K
526.00K
84.00K
614.00K
Effective tax rate
0.39%
2.75%
-1.28%
3.58%
Other operating expenses
-
-
-
-
Net income
31.80M
18.64M
-6.65M
16.54M
Net profit margin
11.12%
6.13%
-2.09%
4.38%
Earnings per share
0.52
0.50
0.30
0.57
Interest and investment income
-
24.32M
-
-
Interest expense
-8.79M
-8.08M
-10.37M
-12.53M
Net interest expenses
-8.79M
16.25M
-10.37M
-12.53M
Depreciation and amortization charges
-
-
-
-
EBITDA
38.59M
33.46M
8.71M
34.30M
Gain or loss from assets sale
-7.92M
-7.63M
-7.47M
-13.37M
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
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Type
Date
Shares
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