Upstart Holdings, Inc. (UPST) Stock Price & Analysis
Upstart Holdings, Inc. (UPST) rose 0.19% to USD 31.06 as of June 9, 2026 at 23:36 UTC, according to Nexqual real-time market data.
UPST last closed at USD 31; the session ranged USD 29.65–32.4 on volume of 4,022,214 shares. Market capitalization is $2.97B, with a 52-week range of USD 23.97–87.3 (NMS). Source: Nexqual, June 9, 2026 at 23:36 UTC.
Key Statistics (as of June 9, 2026 at 23:36 UTC)
| Price | USD 31.06 |
|---|---|
| Change | ▲ 0.19% (up) |
| Previous Close | USD 31 |
| Open | USD 31 |
| Day Range | USD 29.65 – 32.4 |
| 52-Week Range | USD 23.97 – 87.3 |
| Volume | 4,022,214 shares |
| Market Cap | $2.97B |
| Exchange | NMS |
Technical Analysis (UPST)
Nexqual's technical model rates UPST "STRONG BUY" based on 5 bullish and 0 bearish signals across 124 daily candles, as of June 9, 2026 at 23:36 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 48.04 (neutral) |
| vs SMA50 | Above (USD 30.15) |
| MACD | 0.36 (positive) |
Analyst Ratings (UPST)
Wall Street analysts rate UPST "Buy" based on 15 analysts, with a mean price target of USD 40.27 (range USD 20–80), per Nexqual as of June 9, 2026 at 23:36 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 15 |
| Mean Target | USD 40.27 |
| High Target | USD 80 |
| Low Target | USD 20 |
| Buy / Hold / Sell | 8 / 6 / 1 |
Earnings (UPST)
| Next Earnings Date | 2026-08-04 |
|---|---|
| EPS Estimate | USD 0.61 |
| Revenue Estimate | $344.67M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 0.3 vs est 0.43 ▼ miss |
| 2025-12-31 | USD 0.5 vs est 0.46 ▲ beat |
| 2025-09-30 | USD 0.52 vs est 0.42 ▲ beat |
| 2025-06-30 | USD 0.36 vs est 0.25 ▲ beat |
Source: Nexqual, June 9, 2026 at 23:36 UTC.
Financials & Fundamentals (UPST)
| Total Revenue | $1.17B |
|---|---|
| Revenue Growth (YoY) | +44.60% |
| Gross Margin | +82.71% |
| Operating Margin | +0.90% |
| Profit Margin | +4.21% |
| ROE | +7.01% |
| Debt / Equity | 269.84 |
| Current Ratio | 11.65 |
| Total Cash | $474.66M |
| Total Debt | $1.98B |
| Free Cash Flow | $-312.58M |
Source: Nexqual, June 9, 2026 at 23:36 UTC.
Financial Health Score (UPST)
Nexqual rates Upstart Holdings, Inc.'s overall financial health "Mixed" across five dimensions, as of June 9, 2026 at 23:36 UTC.
| Growth | Strong — Revenue +64% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 83%, operating 1% |
| Balance Sheet | Weak — $475M cash vs $1.98B debt |
| Cash Flow | Weak — FCF negative: -$313M, burning cash |
| Efficiency | Mixed — ROE 7%, ROA 1.8% |
Ownership (UPST)
| Insider Ownership | +13.01% |
|---|---|
| Institutional Ownership | +62.19% |
| Shares Outstanding | 95.71M |
| Float | 82.18M |
| Short % of Float | +31.96% |
Source: Nexqual, June 9, 2026 at 23:36 UTC.
Leadership (UPST)
Upstart Holdings, Inc. is led by Paul Gu (age 34), CEO & Director, per Nexqual as of June 9, 2026 at 23:36 UTC.
| CEO & Director | Paul Gu (age 34) |
|---|---|
| Executive Chairman & Special Advisor | David J. Girouard (age 59) |
| President of Capital & Enterprise | Sanjay Datta |
| Chief Financial Officer | Andrea Blankmeyer |
| Chief Technology Officer | Grant Schneider |
Major Backers & Investors (UPST)
Notable institutional backers of Upstart Holdings, Inc. include Morgan Stanley, Marshall Wace LLP, Goldman Sachs, according to Nexqual as of June 9, 2026 at 23:36 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Morgan Stanley | 4.15% |
| Marshall Wace LLP | 3.43% |
| Goldman Sachs | 1.63% |
| Clear Street Group Inc. | 1.62% |
| Halter Ferguson Financial Inc. | 1.53% |
| Fidelity | 1.35% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 15.16% |
| BlackRock | 10.6% |
| Geode Capital | 2.22% |
| State Street | 2.15% |
Source: Nexqual, June 9, 2026 at 23:36 UTC.
From Upstart Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-02-10)
Key Strengths & Strategy (as disclosed to the SEC)
- Cloud-Native Technologies We run our technology platform as containerized services on the Amazon Web Services cloud.
- Machine Learning Platform In order to support innovation in our models, we have developed proprietary technologies to enable our machine learning team to develop, train, test and deploy new model updates with minimal engineering support.
- For phone support, we partner with external call center vendors and have a team of dedicated Upstart agents with specialized training. 13 Table of Conte nts Servicing Operations Upstart-powered loans, with the exception of HELOCs, are serviced via our proprietary platform.
- Intellectual Property We protect our intellectual property through a combination of patents, trademarks, domain names, copyrights and trade secrets, as well as through contractual provisions, our information security infrastructure and restrictions on access to or use of our proprietary technology.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | USD 65.11 | ▲ 2.36% |
| SOFI | SoFi Technologies, Inc. | USD 16.47 | ▲ 2.74% |
| U | Unity Software Inc. | USD 28.44 | ▼ 2.5% |
| TTD | The Trade Desk, Inc. | USD 19.89 | ▼ 0.3% |
| SNOW | Snowflake Inc. | USD 239.66 | ▲ 0.59% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: June 9, 2026 at 23:36 UTC. This page is informational and not investment advice.