UPST
Bearish signalScored 2026-10-06 Drivers: Congress, trend, fundamentals. Moteurs : Congrès, tendance, fondamentaux.
Research, not advice.
À propos
Upstart Holdings, Inc.
- Nom
- Upstart Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Financial - Credit Services
- Bourse
- NASDAQ
- Capitalisation
- $2.3B
- Employés
- 1,405
- PDG
- Paul Gu
- Site web
- https://www.upstart.com
- Marché
- AFRMATLCCOFENVAOMFOPRT
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 116000 titres (~3166197 USD)
- Insiders
- Datta Sanjay
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$4,374,439
Avg sell (VWAP, 90d window) $27.83 vs last close $24.75 (-11.1%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$326,053 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-08
- Liquidity
- Liquid $112,492,958/day · 20d vol
- Last synced
-
2026-10-15 21:11:03
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-08 | Datta Sanjay | Sell · S | 116,000 | $27.29 | $3,166,197 | Form 4 |
| 2026-08-25 | Mirgorodskaya Natalia | Sell · S · 10b5-1 | 913 | $30.03 | $27,417 | Form 4 |
| 2026-08-20 | Darling Scott | Sell · S | 7,696 | $28.09 | $216,216 | Form 4 |
| 2026-08-20 | Datta Sanjay | Sell · S | 8,945 | $28.09 | $251,298 | Form 4 |
| 2026-08-20 | Mirgorodskaya Natalia | Sell · S | 586 | $28.09 | $16,461 | Form 4 |
| 2026-08-19 | Datta Sanjay | Sell · S | 10,000 | $31.46 | $314,633 | Form 4 |
| 2026-08-19 | Blankmeyer Andrea | Sell · S · 10b5-1 | 3,000 | $29.33 | $87,990 | Form 4 |
| 2026-08-17 | Blankmeyer Andrea | Sell · S · 10b5-1 | 7,175 | $29.36 | $210,646 | Form 4 |
| 2026-08-17 | Darling Scott | Sell · S | 814 | $29.36 | $23,898 | Form 4 |
| 2026-08-17 | Datta Sanjay | Sell · S | 2,033 | $29.36 | $59,683 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-08-14 | Tony Wied | Sale | $15,001 - $50,000 |
| 2026-07-14 | Tony Wied | Purchase | $15,001 - $50,000 |
| 2026-06-09 | Tony Wied | Sale | $15,001 - $50,000 |
| 2022-05-16 | Thomas Suozzi | Sale (Full) | $1,001 - $15,000 |
| 2022-05-05 | Thomas Suozzi | Purchase | $15,001 - $50,000 |
Signal
Bearish signalScored 2026-10-06 Drivers: Congress, trend, fundamentals. Moteurs : Congrès, tendance, fondamentaux.
UPST presents a weak overall profile: a modest liquidity score (55) is undermined by deteriorating fundamentals (45) marked by negative operating cash flow, high leverage (D/E: 2.31), and razor-thin interest coverage…
The first sentence of the analysis written for UPST on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Pulls against a bullish reading. STOCK Act sale disclosures outnumber purchases
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Supports a bullish reading. Current ratio 2.99 · operating margin 5.1%
Suggested stop 3.34, nearest stored support minus 0.5 ATR(86.5% under the last close). Reward/risk to the next stored resistance is 0.10. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 95.2% | 92.9% | 92.8% | 98.2% | 99.6% | |
| Ebit Margin | 5.1% | -19.0% | -43.8% | -12.8% | 15.7% | |
| Ebitda Margin | 7.4% | -15.9% | -39.3% | -11.2% | 16.6% | |
| Operating Profit Margin | 5.1% | -19.0% | -43.8% | -12.8% | 15.7% | |
| Pretax Profit Margin | 5.1% | -19.0% | -43.8% | -12.8% | 15.7% | |
| Continuous Operations Profit Margin | 5.0% | -19.0% | -43.8% | -12.7% | 15.9% | |
| Net Profit Margin | 5.0% | -19.0% | -43.8% | -12.7% | 15.9% | |
| Bottom Line Profit Margin | 5.0% | -19.0% | -43.8% | -12.7% | 15.9% | |
| Current Ratio | 2.990 | 2.360 | 0.983 | 1.253 | 7.772 | |
| Quick Ratio | 2.990 | 2.360 | 0.983 | 1.253 | 7.772 | |
| Solvency Ratio | 0.036 | -0.062 | -0.156 | -0.075 | 0.141 | |
| Cash Ratio | 1.639 | 1.734 | 0.823 | 1.080 | 7.102 | |
| Price To Earnings Ratio | 78.089 | -42.757 | -14.237 | -10.092 | 87.457 | |
| Price To Earnings Growth Ratio | -0.562 | 0.858 | -0.120 | 0.057 | 0.162 | |
| Forward Price To Earnings Growth Ratio | -0.562 | 0.858 | -0.120 | 0.057 | 0.162 | |
| Price To Earnings Diluted Ratio | 97.178 | -42.757 | -14.237 | -10.092 | 105.804 | |
| Price To Earnings Diluted Growth Ratio | -0.740 | 0.858 | -0.120 | 0.053 | 0.203 | |
| Price To Book Ratio | 5.257 | 8.698 | 5.387 | 1.627 | 14.642 | |
| Price To Sales Ratio | 3.905 | 8.136 | 6.249 | 1.282 | 13.905 | |
| Price To Free Cash Flow Ratio | -25.278 | 31.232 | -27.647 | -1.607 | 77.119 | |
| Price To Operating Cash Flow Ratio | -28.427 | 29.557 | -30.638 | -1.663 | 70.195 | |
| Debt To Assets Ratio | 0.622 | 0.614 | 0.547 | 0.562 | 0.437 | |
| Debt To Equity Ratio | 2.316 | 2.294 | 1.736 | 1.617 | 0.986 | |
| Debt To Capital Ratio | 0.698 | 0.696 | 0.634 | 0.618 | 0.496 | |
| Long Term Debt To Capital Ratio | 0.684 | 0.656 | 0.507 | 0.491 | 0.445 | |
| Financial Leverage Ratio | 3.724 | 3.738 | 3.175 | 2.879 | 2.256 | |
| Working Capital Turnover Ratio | 1.514 | 2.201 | 11.675 | 1.625 | 1.459 | |
| Operating Cash Flow Ratio | -0.368 | 0.407 | -0.244 | -1.643 | 1.202 | |
| Operating Cash Flow Sales Ratio | -0.137 | 0.275 | -0.204 | -0.771 | 0.198 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.125 | 0.946 | 1.108 | 1.035 | 0.910 | |
| Debt Service Coverage Ratio | 0.527 | -0.443 | -0.504 | -0.270 | 2.787 | |
| Interest Coverage Ratio | 1.054 | -2.668 | -6.061 | -7.025 | 40.846 | |
| Short Term Operating Cash Flow Coverage Ratio | -1.518 | 0.953 | -0.288 | -1.955 | 3.505 | |
| Operating Cash Flow Coverage Ratio | -0.080 | 0.128 | -0.101 | -0.605 | 0.212 | |
| Capital Expenditure Coverage Ratio | -8.025 | 18.652 | -9.243 | -28.711 | 11.138 | |
| Dividend Paid And Capex Coverage Ratio | -8.025 | 18.652 | -9.243 | -28.711 | 11.138 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 68.115 | -57.176 | -19.283 | -18.302 | 82.241 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 95.2% | ▲2.3% | ▼-0.5% |
| Ebit Margin | 5.1% | ▲24.0% | ▲16.0% |
| Ebitda Margin | 7.4% | ▲23.3% | ▲15.8% |
| Operating Profit Margin | 5.1% | ▲24.0% | ▲16.0% |
| Pretax Profit Margin | 5.1% | ▲24.0% | ▲16.0% |
| Continuous Operations Profit Margin | 5.0% | ▲24.0% | ▲15.9% |
| Net Profit Margin | 5.0% | ▲24.0% | ▲15.9% |
| Bottom Line Profit Margin | 5.0% | ▲24.0% | ▲15.9% |
| Current Ratio | 2.990 | ▲0.630 | ▼-0.082 |
| Quick Ratio | 2.990 | ▲0.630 | ▼-0.082 |
| Solvency Ratio | 0.036 | ▲0.098 | ▲0.059 |
| Cash Ratio | 1.639 | ▼-0.094 | ▼-0.836 |
| Price To Earnings Ratio | 78.089 | ▲120.846 | ▲58.397 |
| Price To Earnings Growth Ratio | -0.562 | ▼-1.420 | ▼-0.641 |
| Forward Price To Earnings Growth Ratio | -0.562 | ▼-1.420 | ▼-0.641 |
| Price To Earnings Diluted Ratio | 97.178 | ▲139.935 | ▲69.999 |
| Price To Earnings Diluted Growth Ratio | -0.740 | ▼-1.599 | ▼-0.791 |
| Price To Book Ratio | 5.257 | ▼-3.441 | ▼-1.865 |
| Price To Sales Ratio | 3.905 | ▼-4.231 | ▼-2.791 |
| Price To Free Cash Flow Ratio | -25.278 | ▼-56.509 | ▼-36.041 |
| Price To Operating Cash Flow Ratio | -28.427 | ▼-57.984 | ▼-36.232 |
| Debt To Assets Ratio | 0.622 | ▲0.008 | ▲0.066 |
| Debt To Equity Ratio | 2.316 | ▲0.022 | ▲0.527 |
| Debt To Capital Ratio | 0.699 | ▲0.002 | ▲0.070 |
| Long Term Debt To Capital Ratio | 0.684 | ▲0.029 | ▲0.128 |
| Financial Leverage Ratio | 3.724 | ▼-0.014 | ▲0.570 |
| Working Capital Turnover Ratio | 1.514 | ▼-0.687 | ▼-2.181 |
| Operating Cash Flow Ratio | -0.368 | ▼-0.775 | ▼-0.239 |
| Operating Cash Flow Sales Ratio | -0.137 | ▼-0.413 | ▼-0.010 |
| Free Cash Flow Operating Cash Flow Ratio | 1.125 | ▲0.178 | ▲0.100 |
| Debt Service Coverage Ratio | 0.527 | ▲0.970 | ▲0.108 |
| Interest Coverage Ratio | 1.054 | ▲3.722 | ▼-4.175 |
| Short Term Operating Cash Flow Coverage Ratio | -1.518 | ▼-2.470 | ▼-1.657 |
| Operating Cash Flow Coverage Ratio | -0.080 | ▼-0.208 | ▲0.009 |
| Capital Expenditure Coverage Ratio | -8.025 | ▼-26.677 | ▼-4.787 |
| Dividend Paid And Capex Coverage Ratio | -8.025 | ▼-26.677 | ▼-4.787 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 68.115 | ▲125.291 | ▲56.996 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $4.20B | $5.51B | $3.42B | $1.09B | $11.82B | |
| Enterprise value | $5.39B | $6.17B | $4.15B | $1.75B | $11.62B | |
| EV / Sales | 5.01x | 9.11x | 7.57x | 2.05x | 13.67x | |
| EV / Op. cash flow | -36.50x | 33.09x | -37.13x | -2.66x | 69.01x | |
| EV / Free cash flow | -32.46x | 34.97x | -33.51x | -2.57x | 75.82x | |
| EV / EBITDA | 68.11x | -57.18x | -19.28x | -18.30x | 82.24x | |
| Net debt / EBITDA | 15.07x | -6.11x | -3.37x | -6.85x | -1.41x | |
| Current ratio | 2.99x | 2.36x | 0.98x | 1.25x | 7.77x | |
| Income quality | -2.76x | -1.45x | 0.47x | 6.05x | 1.24x | |
| Graham number | $10 | — | — | — | $20 | |
| Graham net-net | -$15 | -$10 | -$11 | -$10 | $0 | |
| Tax burden | 98.7% | 100.1% | 100.0% | 99.6% | 101.3% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $798.1M | $622.8M | -$7.7M | $101.5M | $948.7M | |
| Invested capital | $934.1M | $781.8M | $168.1M | $314.7M | $1.16B | |
| Return on assets | 1.8% | -5.4% | -11.9% | -5.6% | 7.4% | |
| Operating ROA | 2.0% | -5.9% | -12.1% | -5.8% | 11.6% | |
| Return on tangible assets | 1.8% | -5.6% | -12.4% | -5.9% | 7.8% | |
| Return on equity | 6.7% | -20.3% | -37.8% | -16.2% | 16.8% | |
| Return on invested capital | 2.0% | -6.1% | -12.3% | -5.8% | 7.7% | |
| Return on capital employed | 2.1% | -6.7% | -15.4% | -7.1% | 8.0% | |
| Earnings yield | 1.3% | -2.3% | -7.0% | -9.9% | 1.1% | |
| Free cash flow yield | -4.0% | 3.2% | -3.6% | -62.2% | 1.3% | |
| Capex / Op. cash flow | -12.5% | 5.4% | -10.8% | -3.5% | 9.0% | |
| Capex / Depreciation | 74.1% | 48.6% | 48.5% | 169.6% | 200.4% | |
| Capex / Sales | 1.7% | 1.5% | 2.2% | 2.7% | 1.8% | |
| SG&A / Sales | 69.1% | 82.1% | 89.5% | 84.3% | 67.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 12.3% | 19.7% | 32.0% | 14.8% | 8.6% | |
| Intangibles / Total assets | 2.5% | 3.2% | 3.9% | 4.3% | 4.8% | |
| Days sales outstanding | 33d | 38d | 37d | 23d | 27d | |
| Days payables outstanding | 227d | 94d | 116d | 440d | 732d | |
| Operating cycle | 33d | 38d | 37d | 23d | 27d | |
| Cash conversion cycle | -193d | -56d | -79d | -417d | -704d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-05 Upstart Holdings Inc (UPST) Shares Surge 6.8% -- What GF Score of 66 Tells Investors On October 05, 2026, Upstart Holdings Inc (UPST) shares rose 6.8%, reaching a current price of $24.35. This movement comes amid a 52-week range of $22.56 to $55
- 2026-10-05 Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges Upstart Holdings (NASDAQ:UPST) reported a slight dip in its own credit-stress gauge, the Upstart Macro Index, to 1.49, and the stock is pulling away from the rest of consumer lending, according to Upstart Holdings, Inc.
- 2026-10-05 Upstart Publishes September 2026 Originations and Latest UMI Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today published its monthly origination volume for Septembe
- 2026-10-05 Upstart Publishes September 2026 Originations and Latest UMI BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes September 2026 Originations and Latest UMI.
- 2026-10-05 Is Upstart Stock a Buy, Sell, or Hold At Its New 52-Week Low? Shares of Upstart have been sinking since the middle of last year, largely on economic concerns. This company''s businesses, however, appear stronger than any economic headwinds.
- 2026-09-30 Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
- 2026-09-28 KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2026-4 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to five classes of notes issued by Upstart Securitization Trust 2026-4 (“UPST 2026-4”), a $400.0 million consumer loan ABS securitization collateralized by unsecured consumer loans and auto secured personal loans. UPST 2026-4 represents the 52nd ABS securitization collateralized by loans originated through the online platform operated by Upstart Network, Inc. (“Upstart” or the “Company”), a 100% owned subsidiary of the publicly traded.
- 2026-09-28 PayPal vs. Upstart: Which Fintech Stock Is Better to Consider? PYPL''s Venmo growth and cost savings face off against UPST''s AI lending gains, rising originations and ongoing credit-market risks.
- 2026-09-28 3 Niche Growth Stocks With an Edge Their Rivals Can''t Ignore When identifying potential growth stock candidates, investors often look for companies with a competitive moat—some advantage in technology, product offerings, efficiency, or similar that gives them a likely edge over their rivals. It can also help to look at smaller, specialized industries, where the competitive landscape may be different and it might be easier to find a profitable niche.
- 2026-09-26 Upstart Lends Money It Doesn''t Hold. What Does That Do to the Stock in a Downturn? Upstart is a lender that uses AI to price loans. It does not hold loans on its balance sheet; it syndicates them for third parties.