Held · Bookmarked
0 · 0
portfolios · users
Avg position size
—
of holders' portfolios
13F filers
2
institutions
Market cap
$2.5B
97M shares
52-week range
$23.97 – $71.38
4% from low
Sector
FINANCE SERVICES
Exchange
NASDAQ
CS
P/S (TTM)
2.2
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
www.upstart.comNo one on the platform currently holds UPST.
| Institution | Shares | Reported |
|---|---|---|
| Renaissance Technologiesas of 2025-03-31 | 1,441,600 | $66.4M |
| Bridgewater Associatesas of 2025-09-30 | 61,972 | $3.1M |
| Execution date | Ratio |
|---|---|
| 2012-06-19 | 1-for-52.4846reverse |
No one on the platform has traded UPST yet.
Consensus-seeded revenue, margins, and exit multiples. This is a scenario tool, not investment advice.
Consensus does not cover every selected forecast year. Later assumptions are extrapolated from available analyst estimates.
| Metric | Historical average | My assumptions | ||||
|---|---|---|---|---|---|---|
| 1 year | 5 years | 10 years | Low | Mid | High | |
| ROIC % | 2.7% | — | — | — | ||
| Rev. Growth % | 58.9% | 36.1% | ||||
| Profit Margin % | 5.0% | -10.9% | ||||
| Free Cash Flow Margin % | -15.4% | -14.8% | ||||
| Exit P/E | — | — | — | |||
| Exit P/FCF | — | — | — | |||
| Desired Annual Return % | — | — | — | |||
At today's price, your expected annual return is +53.6% on the P/E track.
At today's price, your expected annual return is +63.2% on the P/E track.
At today's price, your expected annual return is +72.1% on the P/E track.
| Year | Est. revenue | Growth | Est. EPS | EPS range | Fwd P/E | # Analysts |
|---|---|---|---|---|---|---|
| 2026 | $1.4B | +37.1% | $0.68 | $0.61–$0.73 | 38.1× | 7 |
| 2027 | $1.9B | +30.9% | $1.85 | $1.73–$2.05 | 14.0× | 8 |
| 2028 | $2.4B | +28.1% | $2.99 | $2.65–$3.51 | 8.7× | 4 |
| 2029 | $3.6B | +50.0% | $5.85 | $5.48–$6.28 | 4.4× | 1 |
Forward consensus · growth is YoY vs the prior fiscal-year estimate · Fwd P/E at the current price · source: Financial Modeling Prep
Beat consensus in 5 of the last 8 reported quarters
| Reported | Est. EPS | Actual | Surprise |
|---|---|---|---|
| 2026-08-04 | $0.18 | $0.16 | -10.2% |
| 2026-05-05 | $0.39 | $-0.07 | -117.6% |
| 2026-02-10 | $0.47 | $0.46 | -2.1% |
| 2025-11-04 | $0.42 | $0.52 | +23.8% |
| 2025-08-05 | $0.27 | $0.36 | +33.3% |
| 2025-05-06 | $0.19 | $0.30 | +57.9% |
| 2025-02-11 | $-0.04 | $0.26 | +750.0% |
| 2024-11-07 | $-0.15 |
| $-0.06 |
| +59.1% |
| $4.8B |
| — |
| LAZLazard Inc | $39.74 | -3.31% | $3.9B | — |
| LMNDLemonade, Inc. | $50.03 | +1.28% | $3.8B | — |
Source: Financial Modeling Prep · peers by sector/industry
$UPST Debtstart’s AI relentlessly judges your creditworthiness for personal loans, auto refinances, and HELOCs to ensure you're a responsible borrower. The dark irony? The company is actively speedrunning its own failure. After ballooning their convertible debt from $575 million in 2021 to a fatal $1.69 billion in 2026, their total collapse is practically scheduled. Let a sinking ship be your spiritual guide to financial stability: do as their algorithms say, not as their terminal balance sheet does.
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@trade_the_gaps hey if you don’t like $UPST don’t touch it. Go away ….. mooof
View on StockTwits ↗$UPST Debtstart in 2021 they borrowed $575 million in convertible notes at cheap 0.25 BUT they were all due 2026 so now they’re rolling those convertible notes and paying 1-2%, their debt at $1.69 billion will take 10 years to get out and this doesn’t include the more convertible notes they will borrowed in the future. This is the ONLY small company with this much debt in the sector. Management is so corrupt which is one of the reason the CEO got replaced this year. Stay FAR away from this debt losing company. DEBTSTART
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$UPST what a pos. Falls more than peers, but rises less than them. And f*ck the cfo / head of capital markets for dumping $3m worth of shares at lows.
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$UPST with these bsds we are all fucked Poor management they don't care about the shareholders
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$UPST I’m fucked here / starting to think my trade desk has more potential to get back than this pig - that’s saying something of how shitty this one is
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$PGY $UPST Yes. Fuck all the overvalued frontier AI plays. Now facing bankruptcy because everyone is going 90% open and 10% frontier. Their fucking revenues cannot sustain their massive costs. So they want government regulations to protect them from open guys. Fuck them. Let them die.
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$UPST Shitstart when semis rip: puking Shitstart when semis pullback: also puking. Shitstock
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$UPST so it kept dropping after multiple rate cuts and now will continue to drop from a potential rate hike? Got it.
View on StockTwits ↗Recent $TICKER stream from stocktwits.com — refreshed every 5 minutes. Sentiment tags are self-reported by posters. Not investment advice.
Click to see transaction details on SEC.gov. Form 4s cover trades by officers, directors, and 10%+ owners, due within 2 business days of the trade.