Index RUT
P/E 208.91
EPS (ttm) 0.23
Insider Own 12.93%
Shs Outstand 97.28M
Perf Week -3.57%
Market Cap 4.63B
Forward P/E 20.09
EPS next Y 2.37
Insider Trans -1.32%
Shs Float 84.71M
Perf Month 27.69%
Enterprise Value 5.74B
PEG -
EPS next Q 0.47
Inst Own 72.01%
Short Float 27.89%
Perf Quarter -26.67%
Income 32.21M
P/S 4.79
EPS this Y 939.72%
Inst Trans 12.29%
Short Ratio 3.58
Perf Half Y -19.43%
Sales 966.73M
P/B 6.22
EPS next Y 41.04%
ROA 1.37%
Short Interest 23.62M
Perf YTD -22.71%
Book/sh 7.65
P/C 5.53
EPS next 5Y -
ROE 4.81%
52W High 96.43 -50.65%
Perf Year -42.66%
Cash/sh 8.60
P/FCF -
EPS past 3/5Y - -195.32%
ROIC 1.20%
52W Low 31.40 51.56%
Perf 3Y 182.94%
Dividend Est. -
EV/EBITDA 136.67
Sales past 3/5Y -9.14% 31.13%
Gross Margin 97.61%
Volatility 7.17% 6.11%
Perf 5Y -
Dividend TTM -
EV/Sales 5.94
EPS Y/Y TTM 117.20%
Oper. Margin 1.96%
ATR (14) 2.85
Perf 10Y -
Dividend Ex-Date -
Quick Ratio 4.50
Sales Y/Y TTM 73.29%
Profit Margin 3.33%
RSI (14) 55.51
Recom 2.50
Dividend Gr. 3/5Y - -
Current Ratio 4.50
EPS Q/Q 405.47%
SMA20 5.24%
Beta 2.27
Target Price 54.00
Payout -
Debt/Eq 2.62
Sales Q/Q 70.90%
SMA50 5.63%
Rel Volume 0.65
Prev Close 47.03
Employees 1193
LT Debt/Eq 2.62
Earnings Nov 04 AMC
SMA200 -13.54%
Avg Volume 6.60M
Price 47.59
IPO Dec 16, 2020
Option/Short Yes / Yes
EPS/Sales Surpr. 21.92% -0.79%
Trades
Volume 4,270,667
Change 1.19%
Date
Action
Analyst
Rating Change
Price Target Change
Aug-20-25 Upgrade
JP Morgan
Neutral → Overweight
$88
Jul-14-25 Resumed
Goldman
Sell
$71
Jun-24-25 Resumed
Piper Sandler
Overweight
$75
Jun-12-25 Initiated
Stephens
Equal-Weight
$55
Apr-29-25 Upgrade
BofA Securities
Underperform → Neutral
$53
Feb-14-25 Upgrade
Morgan Stanley
Underweight → Equal-Weight
$12 → $70
Feb-12-25 Upgrade
JP Morgan
Underweight → Neutral
$57 → $79
Feb-12-25 Upgrade
B. Riley Securities
Neutral → Buy
$49 → $105
Dec-13-24 Upgrade
Needham
Hold → Buy
$100
Dec-03-24 Upgrade
Redburn Atlantic
Neutral → Buy
$37 → $95
Dec-02-24 Downgrade
JP Morgan
Neutral → Underweight
Nov-11-24 Upgrade
BTIG Research
Sell → Neutral
Nov-08-24 Upgrade
Piper Sandler
Neutral → Overweight
$31 → $85
Nov-08-24 Upgrade
JP Morgan
Underweight → Neutral
$30 → $45
Nov-08-24 Upgrade
Citigroup
Neutral → Buy
$56 → $87
Oct-14-24 Upgrade
Wedbush
Underperform → Neutral
$10 → $45
Aug-07-24 Upgrade
Citigroup
Sell → Neutral
$15 → $33
Jul-31-24 Upgrade
Mizuho
Underperform → Outperform
$17 → $31
Jun-07-24 Initiated
BTIG Research
Sell
$14
Jun-04-24 Upgrade
Redburn Atlantic
Sell → Neutral
$22.50 → $25.50
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Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.
Insider Trading
Relationship
Date
Transaction
Cost
#Shares
Value ($)
#Shares Total
SEC Form 4
Cooper Kerry Whorton Director Dec 12 '25 Sale 50.00 1,500 75,000 23,934 Dec 16 04:32 PM Darling Scott Chief Legal Officer Dec 12 '25 Option Exercise 13.22 2,000 26,440 94,598 Dec 16 04:30 PM Darling Scott Chief Legal Officer Dec 12 '25 Sale 50.00 7,392 369,600 17,435 Dec 16 04:30 PM Darling Scott Officer Dec 12 '25 Proposed Sale 500.00 7,392 3,696,000 Dec 12 04:15 PM Cooper Kerry Whorton Director Dec 12 '25 Proposed Sale 50.00 1,500 75,000 Dec 12 04:12 PM Mirgorodskaya Natalia See Remarks Nov 25 '25 Sale 38.91 762 29,649 26,398 Nov 26 04:22 PM Mirgorodskaya Natalia Officer Nov 25 '25 Proposed Sale 38.91 762 29,649 Nov 25 04:07 PM Mirgorodskaya Natalia See Remarks Nov 20 '25 Option Exercise 35.58 6,900 245,502 27,981 Nov 24 04:39 PM Mirgorodskaya Natalia See Remarks Nov 20 '25 Sale 36.62 821 30,063 27,160 Nov 24 04:39 PM Darling Scott Chief Legal Officer Nov 20 '25 Sale 36.58 7,723 282,480 97,990 Nov 24 04:38 PM Datta Sanjay Chief Financial Officer Nov 20 '25 Sale 36.58 13,624 498,323 284,280 Nov 24 04:36 PM Mirgorodskaya Natalia Officer Nov 20 '25 Proposed Sale 36.62 821 30,063 Nov 20 04:55 PM Darling Scott Officer Nov 20 '25 Proposed Sale 36.58 7,723 282,479 Nov 20 04:54 PM Datta Sanjay Officer Nov 20 '25 Proposed Sale 36.58 13,624 498,328 Nov 20 04:51 PM Gu Paul Chief Technology Offier Nov 11 '25 Buy 39.23 100,000 3,922,800 80,000 Nov 13 04:31 PM Darling Scott Chief Legal Officer Oct 24 '25 Option Exercise 13.22 1,000 13,220 124,148 Oct 28 08:52 PM Darling Scott Chief Legal Officer Oct 24 '25 Sale 55.01 1,000 55,012 123,148 Oct 28 08:52 PM Darling Scott Officer Oct 24 '25 Proposed Sale 55.01 1,000 55,012 Oct 24 04:06 PM Darling Scott Chief Legal Officer Oct 01 '25 Option Exercise 13.22 1,000 13,220 124,898 Oct 03 04:39 PM Darling Scott Chief Legal Officer Oct 01 '25 Sale 54.64 1,000 54,640 123,898 Oct 03 04:39 PM Darling Scott Officer Oct 01 '25 Proposed Sale 54.64 1,000 54,640 Oct 01 04:03 PM Darling Scott Chief Legal Officer Sep 17 '25 Option Exercise 13.22 1,000 13,220 124,898 Sep 19 04:44 PM Darling Scott Chief Legal Officer Sep 17 '25 Sale 70.01 1,000 70,010 123,898 Sep 19 04:44 PM Girouard Dave Chief Executive Officer Sep 15 '25 Option Exercise 0.83 41,667 34,584 94,281 Sep 17 05:41 PM Girouard Dave Chief Executive Officer Sep 15 '25 Sale 64.93 41,667 2,705,545 52,614 Sep 17 05:41 PM Darling Scott Officer Sep 17 '25 Proposed Sale 70.01 1,000 70,010 Sep 17 04:18 PM Girouard Dave Officer Sep 15 '25 Proposed Sale 64.93 41,667 2,705,545 Sep 15 04:18 PM Darling Scott Chief Legal Officer Sep 03 '25 Option Exercise 13.22 4,000 52,880 127,898 Sep 05 04:37 PM Darling Scott Chief Legal Officer Sep 03 '25 Sale 69.41 4,000 277,654 123,898 Sep 05 04:37 PM Gu Paul Chief Technology Offier Sep 02 '25 Option Exercise 6.34 5,000 31,700 1,152,156 Sep 04 05:48 PM Gu Paul Chief Technology Offier Sep 02 '25 Sale 68.61 5,000 343,059 1,147,156 Sep 04 05:48 PM Mirgorodskaya Natalia See Remarks Sep 02 '25 Sale 69.21 1,439 99,593 21,081 Sep 04 05:47 PM Cooper Kerry Whorton Director Sep 02 '25 Sale 69.21 500 34,605 25,434 Sep 04 05:45 PM Darling Scott Officer Sep 03 '25 Proposed Sale 69.41 4,000 277,654 Sep 03 04:21 PM Mirgorodskaya Natalia Officer Sep 02 '25 Proposed Sale 69.21 1,439 99,593 Sep 02 04:12 PM Cooper Kerry Whorton Director Sep 02 '25 Proposed Sale 69.21 500 34,605 Sep 02 04:11 PM Gu Paul Officer Sep 02 '25 Proposed Sale 68.61 5,000 343,060 Sep 02 01:03 PM Darling Scott Chief Legal Officer Aug 25 '25 Sale 68.00 6,402 435,336 123,898 Aug 27 04:38 PM Mirgorodskaya Natalia See Remarks Aug 22 '25 Option Exercise 25.90 365 9,454 23,909 Aug 26 04:31 PM Mirgorodskaya Natalia See Remarks Aug 25 '25 Sale 68.00 1,024 69,632 22,520 Aug 26 04:31 PM Mirgorodskaya Natalia See Remarks Aug 22 '25 Sale 70.00 365 25,551 23,544 Aug 26 04:31 PM Mirgorodskaya Natalia Officer Aug 25 '25 Proposed Sale 68.00 1,024 69,632 Aug 25 04:28 PM Darling Scott Officer Aug 25 '25 Proposed Sale 68.00 6,402 435,336 Aug 25 04:26 PM Mirgorodskaya Natalia See Remarks Aug 20 '25 Sale 61.12 1,079 65,944 23,544 Aug 22 04:39 PM Darling Scott Chief Legal Officer Aug 20 '25 Sale 61.16 6,853 419,158 130,300 Aug 22 04:38 PM Mirgorodskaya Natalia Officer Aug 22 '25 Proposed Sale 70.00 365 25,551 Aug 22 04:36 PM Datta Sanjay Chief Financial Officer Aug 20 '25 Sale 61.12 13,473 823,452 297,904 Aug 22 04:34 PM Mirgorodskaya Natalia Officer Aug 20 '25 Proposed Sale 61.12 1,079 65,944 Aug 20 04:48 PM Datta Sanjay Officer Aug 20 '25 Proposed Sale 61.12 13,473 823,453 Aug 20 04:47 PM Darling Scott Officer Aug 20 '25 Proposed Sale 61.12 6,714 410,359 Aug 20 04:46 PM Darling Scott Officer Aug 20 '25 Proposed Sale 63.31 139 8,800 Aug 20 04:46 PM Girouard Dave Chief Executive Officer Aug 15 '25 Option Exercise 0.83 41,667 34,584 94,281 Aug 19 05:54 PM Girouard Dave Chief Executive Officer Aug 15 '25 Sale 63.27 41,667 2,636,434 52,614 Aug 19 05:54 PM Girouard Dave Officer Aug 15 '25 Proposed Sale 63.27 41,667 2,636,434 Aug 15 04:09 PM Mirgorodskaya Natalia See Remarks Aug 01 '25 Option Exercise 25.90 365 9,454 24,988 Aug 05 04:30 PM Mirgorodskaya Natalia See Remarks Aug 01 '25 Sale 77.97 365 28,457 24,623 Aug 05 04:30 PM Darling Scott Chief Legal Officer Aug 01 '25 Option Exercise 13.22 4,000 52,880 141,014 Aug 05 04:30 PM Darling Scott Chief Legal Officer Aug 01 '25 Sale 78.45 4,000 313,806 137,014 Aug 05 04:30 PM Singh Cassidy Sukhinder Former Director Aug 04 '25 Proposed Sale 82.92 5,000 414,624 Aug 04 04:02 PM Mirgorodskaya Natalia Officer Aug 01 '25 Proposed Sale 77.96 365 28,457 Aug 01 04:37 PM Darling Scott Officer Aug 01 '25 Proposed Sale 78.45 4,000 313,807 Aug 01 04:36 PM Singh Cassidy Sukhinder Former Director Jul 31 '25 Proposed Sale 85.14 15,000 1,277,049 Jul 31 04:02 PM Singh Cassidy Sukhinder Former Director Jul 30 '25 Proposed Sale 82.37 12,000 988,422 Jul 30 04:07 PM Singh Cassidy Sukhinder Former Director Jul 29 '25 Proposed Sale 81.50 3,000 244,500 Jul 29 04:11 PM Singh Cassidy Sukhinder Former Director Jul 24 '25 Proposed Sale 82.66 3,000 247,993 Jul 24 04:00 PM Singh Cassidy Sukhinder Former Director Jul 18 '25 Proposed Sale 66.00 5,000 330,000 Jul 21 04:05 PM Girouard Dave Chief Executive Officer Jul 15 '25 Option Exercise 0.83 41,667 34,584 94,281 Jul 17 04:45 PM Girouard Dave Chief Executive Officer Jul 15 '25 Sale 75.07 41,667 3,127,831 52,614 Jul 17 04:45 PM Girouard Dave Officer Jul 15 '25 Proposed Sale 75.07 41,667 3,127,831 Jul 15 04:16 PM Mirgorodskaya Natalia See Remarks Jul 08 '25 Option Exercise 25.90 4,000 103,600 28,623 Jul 10 04:35 PM Mirgorodskaya Natalia See Remarks Jul 08 '25 Sale 80.07 4,000 320,270 24,623 Jul 10 04:35 PM Darling Scott Chief Legal Officer Jul 08 '25 Option Exercise 13.22 5,000 66,100 142,014 Jul 10 04:32 PM Darling Scott Chief Legal Officer Jul 08 '25 Sale 80.04 5,000 400,210 137,014 Jul 10 04:32 PM Singh Cassidy Sukhinder Former Director Jul 08 '25 Proposed Sale 76.18 10,957 834,683 Jul 08 04:31 PM Darling Scott Officer Jul 08 '25 Proposed Sale 80.04 5,000 400,210 Jul 08 04:09 PM Mirgorodskaya Natalia Officer Jul 08 '25 Proposed Sale 80.07 4,000 320,270 Jul 08 04:07 PM Mirgorodskaya Natalia See Remarks Jul 02 '25 Option Exercise 24.15 6,533 157,756 31,156 Jul 07 04:35 PM Mirgorodskaya Natalia See Remarks Jul 02 '25 Sale 70.06 6,533 457,675 24,623 Jul 07 04:35 PM Darling Scott Chief Legal Officer Jul 02 '25 Option Exercise 13.22 5,000 66,100 142,014 Jul 03 02:31 PM Darling Scott Chief Legal Officer Jul 01 '25 Option Exercise 13.22 2,000 26,440 139,014 Jul 03 02:31 PM Darling Scott Chief Legal Officer Jul 02 '25 Sale 70.04 5,000 350,176 137,014 Jul 03 02:31 PM Darling Scott Chief Legal Officer Jul 01 '25 Sale 63.56 2,000 127,120 137,014 Jul 03 02:31 PM Mirgorodskaya Natalia Officer Jul 02 '25 Proposed Sale 70.06 6,533 457,674 Jul 02 04:08 PM Darling Scott Officer Jul 02 '25 Proposed Sale 70.04 5,000 350,176 Jul 02 04:04 PM Singh Cassidy Sukhinder Former Director Jul 01 '25 Proposed Sale 67.01 1,278 85,639 Jul 01 04:13 PM Darling Scott Officer Jul 01 '25 Proposed Sale 63.56 2,000 127,120 Jul 01 04:12 PM Girouard Dave Chief Executive Officer Jun 20 '25 Option Exercise 0.83 41,667 34,584 94,281 Jun 24 04:32 PM Girouard Dave Chief Executive Officer Jun 20 '25 Sale 60.05 41,667 2,501,983 52,614 Jun 24 04:32 PM Gu Paul Chief Technology Offier Jun 17 '25 Option Exercise 3.80 25,000 95,000 1,147,156 Jun 20 04:53 PM Girouard Dave Officer Jun 20 '25 Proposed Sale 60.05 41,667 2,501,984 Jun 20 04:19 PM Darling Scott Chief Legal Officer Jun 11 '25 Option Exercise 13.22 3,000 39,660 140,014 Jun 13 05:30 PM Darling Scott Chief Legal Officer Jun 11 '25 Sale 60.00 3,000 180,000 137,014 Jun 13 05:30 PM Girouard Dave Chief Executive Officer Jun 11 '25 Option Exercise 0.83 41,667 34,584 94,281 Jun 13 05:29 PM Girouard Dave Chief Executive Officer Jun 11 '25 Sale 60.11 41,667 2,504,524 52,614 Jun 13 05:29 PM Girouard Dave Officer Jun 11 '25 Proposed Sale 60.11 41,667 2,504,524 Jun 11 04:14 PM Darling Scott Officer Jun 11 '25 Proposed Sale 60.00 3,000 180,000 Jun 11 04:13 PM Darling Scott Chief Legal Officer Jun 03 '25 Option Exercise 13.22 1,000 13,220 144,397 Jun 05 06:24 PM Darling Scott Chief Legal Officer Jun 03 '25 Sale 50.00 7,383 369,166 137,014 Jun 05 06:24 PM Cooper Kerry Whorton Director Jun 02 '25 Sale 46.92 500 23,460 25,934 Jun 04 05:02 PM Darling Scott Officer Jun 03 '25 Proposed Sale 50.00 7,383 369,166 Jun 03 04:45 PM