$33.36
+3.83 (+12.97%)
Last updated: Apr 16, 2026 00:32
Fundamentals Overview
Upstart Holdings, Inc. is near the low of its 52-week range with premium valuation, showing strong upward momentum today.
Valuation premium
Profitability
Risk (Beta)
2.16 — higher vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Sentiment improving (4 upgrades)
Pressures (Sell):
3M vs S&P 500: -27% · 3M vs Financial Services sector: -20.6% · Beta 2.16 (elevated)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: C+. Recent institutional grades: majority upgrades. Current institutional positions: Buy: 11, Equal Weight: 4, Market Underperform: 2, Neutral: 5, Outperform: 1, Overweight: 5, Sell: 2.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $-30.86; current price is $33.36. That’s a -192.5% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 69.85 |
| PEG (TTM) | 0.49 |
| P/B (TTM) | 4.08 |
| P/S (TTM) | 3.04 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 2.99 |
| Quick Ratio (TTM) | 2.99 |
| Cash Ratio (TTM) | 1.64 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 4.98% |
| Gross margin (TTM) | 95.21% |
| Operating margin (TTM) | 5.05% |
| Debt to equity (TTM) | N/A |
Latest News
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for UPST.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| BTIG | maintain | Buy | Buy | 2026-04-09 |
| Mizuho | maintain | Outperform | Outperform | 2026-03-26 |
| BTIG | upgrade | Neutral | Buy | 2026-03-16 |
| Needham | maintain | Buy | Buy | 2026-03-11 |
| Needham | maintain | Buy | Buy | 2026-03-04 |
| Citizens | maintain | Market Underperform | Market Underperform | 2026-02-18 |
| Compass Point | upgrade | Sell | Neutral | 2026-02-17 |
| Goldman Sachs | upgrade | Sell | Neutral | 2026-02-13 |
| Citizens | downgrade | Market Perform | Market Underperform | 2026-02-13 |
| Truist Securities | maintain | Buy | Buy | 2026-02-11 |
| Needham | maintain | Buy | Buy | 2026-02-11 |
| Citigroup | maintain | Buy | Buy | 2025-11-05 |
| BTIG | maintain | Neutral | Neutral | 2025-11-05 |
| Needham | maintain | Buy | Buy | 2025-11-05 |
| JP Morgan | maintain | Overweight | Overweight | 2025-11-05 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2025-11-05 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-11-05 |
| B of A Securities | maintain | Neutral | Neutral | 2025-11-05 |
| Goldman Sachs | maintain | Sell | Sell | 2025-10-13 |
| JP Morgan | upgrade | Neutral | Overweight | 2025-08-20 |
| Needham | maintain | Buy | Buy | 2025-08-06 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2025-08-06 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-08-06 |
| B of A Securities | maintain | Neutral | Neutral | 2025-08-06 |
| Needham | maintain | Buy | Buy | 2025-05-19 |
| Barclays | maintain | Equal Weight | Equal Weight | 2025-05-12 |
| Goldman Sachs | maintain | Sell | Sell | 2025-05-08 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-05-07 |
| Needham | maintain | Buy | Buy | 2025-05-07 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2025-05-07 |