Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
UPST 
Upstart Holdings Inc (UPST)
Top performer
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/17/2025: UPST (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $55.38
1 Year Target Price $55.38
| 4 | Strong Buy |
| 2 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 146.55% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 12/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.38B USD | Price to earnings Ratio 173.27 | 1Y Target Price 55.38 |
Price to earnings Ratio 173.27 | 1Y Target Price 55.38 | ||
Volume (30-day avg) 15 | Beta 2.28 | 52 Weeks Range 31.40 - 96.43 | Updated Date 12/18/2025 |
52 Weeks Range 31.40 - 96.43 | Updated Date 12/18/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.23% | Operating Margin (TTM) 11.35% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 4.81% |
Valuation
Trailing PE 173.27 | Forward PE 39.22 | Enterprise Value 5838524928 | Price to Sales(TTM) 4.39 |
Enterprise Value 5838524928 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 6.55 | Enterprise Value to EBITDA - | Shares Outstanding 97286484 | Shares Floating 85004065 |
Shares Outstanding 97286484 | Shares Floating 85004065 | ||
Percent Insiders 12.28 | Percent Institutions 72.91 |
About Upstart Holdings Inc
Exchange NASDAQ | Headquaters San Mateo, CA, United States | ||
IPO Launch date 2020-12-16 | Co-Founder, President, CEO & Chairperson of the Board Mr. David J. Girouard | ||
Sector Financial Services | Industry Credit Services | Full time employees 1193 | Website https://www.upstart.com |
Full time employees 1193 | Website https://www.upstart.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.