gainbot
BriefMoversScreensSectorsEarningsIPOsNewsDividends & splitsScreenerWatchlistLearn
NASDAQ · UPSTFinancialsBanking & Credit

Upstart Holdings, Inc. Common stock (UPST)

$23.38+9.41%
Close Nov 4, 2026 · split-adjusted
Nov 4, 2026$23.38▼ 49.44% in range
Nov 4, 2025Low $21.31 · High $50.70Nov 4, 2026
What changed · written from our data
As of Nov 4, 2026

Upstart Holdings closed at $23.38 on Nov 4, up 9.41%, 53.9% below its 52-week closing high. Volume of 7.8M shares was 1.81× its 20-day average (above normal).

Split-adjusted performance: -2.0% over one month, -18.5% over six months, -50.8% over one year.

In the quarter ended Sep 30, 2026, revenue was $364.03M, up 40.8% from a year earlier, with a net margin of 10.0%.

Short interest was 26.9M shares at the Oct 15 settlement, down 5.9% from the prior report (33.8% of float, 6.4 days to cover).

Market cap$2.28B97.3M shares
Revenue · quarter$364.0M+40.8% YoY
Diluted EPS$0.33+43.5% YoY
P/E · TTM34.9×P/S 1.9×
Net margin10.0%Gross 100.0%
Dividend yieldNone
52-week range21.31 – 50.70−53.9% from high
Volume7.8M1.81× 20-day avg
Volatility · 60d55.4%Annualised
Short % of float33.8%6.4 days to cover
Net cash-$1.59BCash $461.5M
Next earnings—Not scheduled
Split-adjusted performance
1W −3.1%1M −2.0%3M −21.3%6M −18.5%YTD −46.5%1Y −50.8%3Y +0.3%5Y −92.6%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 435 companies (100 = best)

6-month momentum14
Revenue growth92
Net margin25
Value (low P/E)5
Size72

Industry medians: 6-month return +7.4%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →
Shares short26.9M−5.9% vs prior
Days to cover6.4Settled Oct 15
% of float33.8%
Short vol. 10d49.9%of daily volume

Closest peers by size in Banking & Credit

CompanyPriceToday6MRev. growthNet marginP/EMkt cap
UPSTUpstart Holdings$23.38+9.41%−18.5%+40.8%10.0%34.9$2.28B
EFSCEnterprise Financial Services$63.87+1.53%+7.4%−8.2%16.5%12.4$2.28BCompare
AGMFederal Agricultural Mortgage$205.58+1.65%+14.9%+12.9%12.9%11.2$2.23BCompare
WAFDWaFd$30.13+1.21%−15.5%+1.8%17.5%9.2$2.23BCompare
NWBINorthwest Bancshares$15.84+2.06%+12.5%+18.2%22.4%15.2$2.32BCompare
OFGOFG BANCORP$51.51+0.59%+12.1%+2.4%25.5%9.8$2.16BCompare
SRCE1st Source$89.21+1.41%+20.8%+3.4%31.4%12.2$2.15BCompare
HTHHILLTOP HOLDINGS$37.68+1.34%−1.2%−9.4%6.6%15.2$2.14BCompare
BUSEFirst Busey$29.37+1.64%+9.9%−8.1%21.8%11.4$2.42BCompare

News about Upstart Holdings

All news →
UPST Q3 Earnings Call Highlights Macro Risks and Revised OutlookZacks Investment Research · 17h agoNeutralUpstart Beats Expectations in a Challenging Macro Environment. What It Means for InvestorsThe Motley Fool · 1d ago▲ PositiveUpstart Holdings, Inc. (UPST) Surpasses Q3 Earnings and Revenue EstimatesZacks Investment Research · 1d agoNeutralUPST Set to Report Q3 Earnings: What's in Store for the Stock?Zacks Investment Research · 2d agoNeutralUpstart Holdings, Inc. (UPST) Surpasses Market Returns: Some Facts Worth KnowingZacks Investment Research · Oct 28, 2026▲ Positive

Quick answers

What does Upstart Holdings do?
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform.
What is UPST's market cap?
$2.28B, based on the Nov 4 close of $23.38.
What is UPST's P/E ratio?
34.9× trailing-twelve-month earnings of $65.11M.
Does Upstart Holdings pay a dividend?
No regular cash dividend has been paid in the last year.
How much of UPST is sold short?
26.9M shares, 33.8% of float, as of Oct 15, 2026.
What sector is UPST in?
Financials, in the Banking & Credit industry.

About Upstart Holdings

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).

HQ: Burlingame, CA1,405 employeesListed Dec 16, 2020upstart.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology