Upstart Holdings stock
UPSTNASDAQUpstart Holdings, Inc., Financial ServicesISIN US91680M1071
31Score 31 out of 100, Weak
Price and trend
31 / 100
Price history
−47% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 29% below it.
Since October 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 36).
The price is 59% below its 52-week high. Largest decline in 6 years: 97% (October 2021 to May 2023).
Chart figures for advanced users
- SMA 50$24.06
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$28.90
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)36
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$20.41
- The lowest closing price of the last twelve months.
- Resistance$50.70
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Upstart Holdings, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $2.03B, is number 37 of 61 companies in its industry on MEQIRI.
- For fiscal 2026, analysts expect on average revenue of $1.36B (up 26.2%) and adjusted earnings per share of $0.44 (down 72.9%).
- MEQIRI Score 31 out of 100 (Weak): rank 960 of 976 in Financial Services, median 68.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 61.7% a year through 2028 (estimates from 6 analysts).
- Growing faster than its industryRevenue up 36.1% a year since 2020, Financial (Credit Services) median 9.7%.
Weaknesses
- Earnings per share fallingDown 24.6% a year since 2021.Growth 43
- High debtDebt 2.38 times equity (latest quarter), Financial (Credit Services) median 1.48.Stability 36
- DilutionShare count up 23% since 2021.Capital allocation 27
The score is held back by momentum and valuation.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
- price far below its 52-week high
- high price swings
What lowers it
- price not overheated over the past year
Valuation
Valuation signal
OvervaluedNo fair value can be calculated for this stock, so the signal follows the valuation grade.
Valuation metrics
No fair value can be calculated for this stock from the available figures.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 38.7% on the twelve months before. Revenue has grown strongly since 2017, at around 45% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 95%, operating 5%, net 5%.
Debt & balance sheet
latest quarterDebt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 9 Feb 2027in 89 days
- Last reported
- 3 Nov 2026EPS reported $0.33 (expected $0.20)above expectations
Analyst estimates
Analysts have cut their 2026 earnings estimate by 32.1% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $0.44−32.1%
- Revenue
- $1.36B−4.5%
- Earnings per share
- $1.50−22.9%
- Revenue
- $1.75B−5.9%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +2.6%Full-year guidance reiterated but not raised.
The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 4 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $2.65M in total. 4 insiders sold, $5.58M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Gu PaulPurchase
10 Sept 2026, Chief Executive Officer
- Shares
- 50,000
- Price
- $25.55
- Value
- $1.28M
- Datta SanjaySale
8 Sept 2026, President, Capital& Enterprise
- Shares
- 116,000
- Price
- $27.29
- Value
- $3.17M
- Mirgorodskaya NataliaSale
25 Aug 2026, See Remarks
- Shares
- 913
- Price
- $30.03
- Value
- $27,417
Show 17 more
- Datta SanjaySale
20 Aug 2026, President, Capital& Enterprise
- Shares
- 8,945
- Price
- $28.09
- Value
- $251,298
- Darling ScottSale
20 Aug 2026, Chief Legal Officer
- Shares
- 7,696
- Price
- $28.09
- Value
- $216,216
- Mirgorodskaya NataliaSale
20 Aug 2026, See Remarks
- Shares
- 586
- Price
- $28.09
- Value
- $16,461
- Datta SanjaySale
19 Aug 2026, President, Capital& Enterprise
- Shares
- 10,000
- Price
- $31.46
- Value
- $314,633
- Blankmeyer AndreaSale
19 Aug 2026, Chief Financial Officer
- Shares
- 3,000
- Price
- $29.33
- Value
- $87,990
- Datta SanjaySale
17 Aug 2026, President, Capital& Enterprise
- Shares
- 2,033
- Price
- $29.36
- Value
- $59,683
- Darling ScottSale
17 Aug 2026, Chief Legal Officer
- Shares
- 814
- Price
- $29.36
- Value
- $23,898
- Blankmeyer AndreaSale
17 Aug 2026, Chief Financial Officer
- Shares
- 7,175
- Price
- $29.36
- Value
- $210,646
- Datta SanjaySale
9 Jun 2026, President, Capital& Enterprise
- Shares
- 15,000
- Price
- $30.41
- Value
- $456,116
- Mirgorodskaya NataliaSale
26 May 2026, See Remarks
- Shares
- 974
- Price
- $28.99
- Value
- $28,236
- Darling ScottSale
20 May 2026, Chief Legal Officer
- Shares
- 6,634
- Price
- $28.78
- Value
- $190,912
- Datta SanjaySale
20 May 2026, President, Capital& Enterprise
- Shares
- 7,985
- Price
- $28.77
- Value
- $229,740
- Mirgorodskaya NataliaSale
20 May 2026, See Remarks
- Shares
- 526
- Price
- $28.77
- Value
- $15,134
- Blankmeyer AndreaSale
15 May 2026, Chief Financial Officer
- Shares
- 7,044
- Price
- $29.63
- Value
- $208,703
- Darling ScottSale
15 May 2026, Chief Legal Officer
- Shares
- 727
- Price
- $29.54
- Value
- $21,476
- Datta SanjaySale
15 May 2026, President, Capital& Enterprise
- Shares
- 1,817
- Price
- $29.56
- Value
- $53,707
- Gu PaulPurchase
13 May 2026, Chief Executive Officer
- Shares
- 50,000
- Price
- $27.50
- Value
- $1.38M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Upstart Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 31
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Bread Financial HoldingsBFH $3.71B78
- SLMSLM $3.18B66
- Encore Capital GroupECPG $2.34B83
- Western UnionWU $2.1B61
- Federal Agricultural MortgageAGM $1.89B67
- Hoist FinanceHOFI.ST $1.84B80
- KRUK Spólka AkcyjnaKRU.WA $1.66B72
- EZCORPEZPW $1.65B65
ETFs that hold Upstart Holdings
Held by 14 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Global X Robotics & Artificial Intelligence UCITS ETFXB0T | 0.78% | 0.50% | €135.35M |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.07% | 0.30% | €185.82M |
| iShares Digitalisation UCITS ETF2B79 | 0.07% | 0.40% | €726.22M |
Show 5 more
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.06% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.06% | 0.30% | €4.22B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.03% | 0.43% | €2.48B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.02% | 0.45% | €1.53B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 14 Feb 2025)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.