$33.79
+1.10 (+3.36%)
Last updated: May 31, 2026 02:59
Fundamentals Overview
Upstart Holdings, Inc. is near the low of its 52-week range with premium valuation, trending upward today.
Valuation premium
Profitability
Risk (Beta)
2.26 — 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) · 3M vs S&P 500: +9.7% · 3M vs Financial Services sector: +19.4%
Pressures (Sell):
Beta 2.26 (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: 12, Equal Weight: 3, 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 $-29.45; current price is $33.79. That’s a -187.1% 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) | 66.28 |
| PEG (TTM) | 0.38 |
| P/B (TTM) | 4.47 |
| P/S (TTM) | 2.78 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 4.03 |
| Quick Ratio (TTM) | 4.03 |
| Cash Ratio (TTM) | 4.03 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 4.25% |
| Gross margin (TTM) | 95.67% |
| Operating margin (TTM) | 4.23% |
| 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 |
|---|---|---|---|---|
| Needham | maintain | Buy | Buy | 2026-05-06 |
| BTIG | maintain | Buy | Buy | 2026-05-06 |
| Piper Sandler | maintain | Overweight | Overweight | 2026-05-06 |
| 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 |
| Citizens | downgrade | Market Perform | Market Underperform | 2026-02-13 |
| Goldman Sachs | upgrade | Sell | Neutral | 2026-02-13 |
| Truist Securities | maintain | Buy | Buy | 2026-02-11 |
| Needham | maintain | Buy | Buy | 2026-02-11 |
| BTIG | maintain | Neutral | Neutral | 2025-11-05 |
| Needham | maintain | Buy | Buy | 2025-11-05 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2025-11-05 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-11-05 |
| Citigroup | maintain | Buy | Buy | 2025-11-05 |
| JP Morgan | 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 |
| B of A Securities | maintain | Neutral | Neutral | 2025-08-06 |
| Piper Sandler | maintain | Overweight | Overweight | 2025-08-06 |
| Needham | maintain | Buy | Buy | 2025-08-06 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 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 |