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Last Close
Oct 22  •  04:00PM ET
50.38
Dollar change
-1.98
Percentage change
-3.78
%
IndexRUT P/E- EPS (ttm)-0.08 Insider Own13.34% Shs Outstand96.09M Perf Week-1.35%
Market Cap4.85B Forward P/E20.65 EPS next Y2.44 Insider Trans-2.38% Shs Float83.39M Perf Month-19.24%
Enterprise Value5.68B PEG- EPS next Q0.42 Inst Own69.26% Short Float30.50% Perf Quarter-39.08%
Income-6.35M P/S5.69 EPS this Y924.09% Inst Trans8.81% Short Ratio3.48 Perf Half Y14.55%
Sales851.77M P/B6.71 EPS next Y48.02% ROA-0.30% Short Interest25.43M Perf YTD-18.17%
Book/sh7.51 P/C6.91 EPS next 5Y- ROE-0.96% 52W High96.43 -47.75% Perf Year-5.18%
Cash/sh7.29 P/FCF- EPS past 3/5Y- -195.32% ROIC-0.28% 52W Low31.40 60.45% Perf 3Y117.62%
Dividend Est.- EV/EBITDA- Sales past 3/5Y-9.14% 31.13% Gross Margin97.38% Volatility6.93% 6.02% Perf 5Y-
Dividend TTM- EV/Sales6.67 EPS Y/Y TTM96.91% Oper. Margin-5.85% ATR (14)3.40 Perf 10Y-
Dividend Ex-Date- Quick Ratio3.46 Sales Y/Y TTM60.62% Profit Margin-0.75% RSI (14)41.35 Recom2.50
Dividend Gr. 3/5Y- - Current Ratio3.46 EPS Q/Q108.85% SMA20-2.20% Beta2.28 Target Price72.36
Payout- Debt/Eq2.13 Sales Q/Q101.59% SMA50-16.59% Rel Volume1.01 Prev Close52.36
Employees1193 LT Debt/Eq2.12 EarningsNov 04 AMC SMA200-15.75% Avg Volume7.30M Price50.38
IPODec 16, 2020 Option/ShortYes / Yes EPS/Sales Surpr.41.51% 14.15% Trades Volume7,390,659 Change-3.78%
Date Action Analyst Rating Change Price Target Change
Aug-20-25Upgrade JP Morgan Neutral → Overweight $88
Jul-14-25Resumed Goldman Sell $71
Jun-24-25Resumed Piper Sandler Overweight $75
Jun-12-25Initiated Stephens Equal-Weight $55
Apr-29-25Upgrade BofA Securities Underperform → Neutral $53
Feb-14-25Upgrade Morgan Stanley Underweight → Equal-Weight $12 → $70
Feb-12-25Upgrade JP Morgan Underweight → Neutral $57 → $79
Feb-12-25Upgrade B. Riley Securities Neutral → Buy $49 → $105
Dec-13-24Upgrade Needham Hold → Buy $100
Dec-03-24Upgrade Redburn Atlantic Neutral → Buy $37 → $95
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Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.
Insider Trading Relationship Date Transaction Cost #Shares Value ($) #Shares Total SEC Form 4
Darling ScottChief Legal OfficerOct 01 '25Option Exercise13.221,00013,220124,898Oct 03 04:39 PM
Darling ScottChief Legal OfficerOct 01 '25Sale54.641,00054,640123,898Oct 03 04:39 PM
Darling ScottOfficerOct 01 '25Proposed Sale54.641,00054,640Oct 01 04:03 PM
Darling ScottChief Legal OfficerSep 17 '25Option Exercise13.221,00013,220124,898Sep 19 04:44 PM
Darling ScottChief Legal OfficerSep 17 '25Sale70.011,00070,010123,898Sep 19 04:44 PM
Girouard DaveChief Executive OfficerSep 15 '25Option Exercise0.8341,66734,58494,281Sep 17 05:41 PM
Girouard DaveChief Executive OfficerSep 15 '25Sale64.9341,6672,705,54552,614Sep 17 05:41 PM
Darling ScottOfficerSep 17 '25Proposed Sale70.011,00070,010Sep 17 04:18 PM
Girouard DaveOfficerSep 15 '25Proposed Sale64.9341,6672,705,545Sep 15 04:18 PM
Darling ScottChief Legal OfficerSep 03 '25Option Exercise13.224,00052,880127,898Sep 05 04:37 PM
Darling ScottChief Legal OfficerSep 03 '25Sale69.414,000277,654123,898Sep 05 04:37 PM
Gu PaulChief Technology OffierSep 02 '25Option Exercise6.345,00031,7001,152,156Sep 04 05:48 PM
Gu PaulChief Technology OffierSep 02 '25Sale68.615,000343,0591,147,156Sep 04 05:48 PM
Mirgorodskaya NataliaSee RemarksSep 02 '25Sale69.211,43999,59321,081Sep 04 05:47 PM
Cooper Kerry WhortonDirectorSep 02 '25Sale69.2150034,60525,434Sep 04 05:45 PM
Darling ScottOfficerSep 03 '25Proposed Sale69.414,000277,654Sep 03 04:21 PM
Mirgorodskaya NataliaOfficerSep 02 '25Proposed Sale69.211,43999,593Sep 02 04:12 PM
Cooper Kerry WhortonDirectorSep 02 '25Proposed Sale69.2150034,605Sep 02 04:11 PM
Gu PaulOfficerSep 02 '25Proposed Sale68.615,000343,060Sep 02 01:03 PM
Darling ScottChief Legal OfficerAug 25 '25Sale68.006,402435,336123,898Aug 27 04:38 PM
Mirgorodskaya NataliaSee RemarksAug 22 '25Option Exercise25.903659,45423,909Aug 26 04:31 PM
Mirgorodskaya NataliaSee RemarksAug 25 '25Sale68.001,02469,63222,520Aug 26 04:31 PM
Mirgorodskaya NataliaSee RemarksAug 22 '25Sale70.0036525,55123,544Aug 26 04:31 PM
Mirgorodskaya NataliaOfficerAug 25 '25Proposed Sale68.001,02469,632Aug 25 04:28 PM
Darling ScottOfficerAug 25 '25Proposed Sale68.006,402435,336Aug 25 04:26 PM
Mirgorodskaya NataliaSee RemarksAug 20 '25Sale61.121,07965,94423,544Aug 22 04:39 PM
Darling ScottChief Legal OfficerAug 20 '25Sale61.166,853419,158130,300Aug 22 04:38 PM
Mirgorodskaya NataliaOfficerAug 22 '25Proposed Sale70.0036525,551Aug 22 04:36 PM
Datta SanjayChief Financial OfficerAug 20 '25Sale61.1213,473823,452297,904Aug 22 04:34 PM
Mirgorodskaya NataliaOfficerAug 20 '25Proposed Sale61.121,07965,944Aug 20 04:48 PM
Datta SanjayOfficerAug 20 '25Proposed Sale61.1213,473823,453Aug 20 04:47 PM
Darling ScottOfficerAug 20 '25Proposed Sale61.126,714410,359Aug 20 04:46 PM
Darling ScottOfficerAug 20 '25Proposed Sale63.311398,800Aug 20 04:46 PM
Girouard DaveChief Executive OfficerAug 15 '25Option Exercise0.8341,66734,58494,281Aug 19 05:54 PM
Girouard DaveChief Executive OfficerAug 15 '25Sale63.2741,6672,636,43452,614Aug 19 05:54 PM
Girouard DaveOfficerAug 15 '25Proposed Sale63.2741,6672,636,434Aug 15 04:09 PM
Mirgorodskaya NataliaSee RemarksAug 01 '25Option Exercise25.903659,45424,988Aug 05 04:30 PM
Mirgorodskaya NataliaSee RemarksAug 01 '25Sale77.9736528,45724,623Aug 05 04:30 PM
Darling ScottChief Legal OfficerAug 01 '25Option Exercise13.224,00052,880141,014Aug 05 04:30 PM
Darling ScottChief Legal OfficerAug 01 '25Sale78.454,000313,806137,014Aug 05 04:30 PM
Singh Cassidy SukhinderFormer DirectorAug 04 '25Proposed Sale82.925,000414,624Aug 04 04:02 PM
Mirgorodskaya NataliaOfficerAug 01 '25Proposed Sale77.9636528,457Aug 01 04:37 PM
Darling ScottOfficerAug 01 '25Proposed Sale78.454,000313,807Aug 01 04:36 PM
Singh Cassidy SukhinderFormer DirectorJul 31 '25Proposed Sale85.1415,0001,277,049Jul 31 04:02 PM
Singh Cassidy SukhinderFormer DirectorJul 30 '25Proposed Sale82.3712,000988,422Jul 30 04:07 PM
Singh Cassidy SukhinderFormer DirectorJul 29 '25Proposed Sale81.503,000244,500Jul 29 04:11 PM
Singh Cassidy SukhinderFormer DirectorJul 24 '25Proposed Sale82.663,000247,993Jul 24 04:00 PM
Singh Cassidy SukhinderFormer DirectorJul 18 '25Proposed Sale66.005,000330,000Jul 21 04:05 PM
Girouard DaveChief Executive OfficerJul 15 '25Option Exercise0.8341,66734,58494,281Jul 17 04:45 PM
Girouard DaveChief Executive OfficerJul 15 '25Sale75.0741,6673,127,83152,614Jul 17 04:45 PM
Girouard DaveOfficerJul 15 '25Proposed Sale75.0741,6673,127,831Jul 15 04:16 PM
Mirgorodskaya NataliaSee RemarksJul 08 '25Option Exercise25.904,000103,60028,623Jul 10 04:35 PM
Mirgorodskaya NataliaSee RemarksJul 08 '25Sale80.074,000320,27024,623Jul 10 04:35 PM
Darling ScottChief Legal OfficerJul 08 '25Option Exercise13.225,00066,100142,014Jul 10 04:32 PM
Darling ScottChief Legal OfficerJul 08 '25Sale80.045,000400,210137,014Jul 10 04:32 PM
Singh Cassidy SukhinderFormer DirectorJul 08 '25Proposed Sale76.1810,957834,683Jul 08 04:31 PM
Darling ScottOfficerJul 08 '25Proposed Sale80.045,000400,210Jul 08 04:09 PM
Mirgorodskaya NataliaOfficerJul 08 '25Proposed Sale80.074,000320,270Jul 08 04:07 PM
Mirgorodskaya NataliaSee RemarksJul 02 '25Option Exercise24.156,533157,75631,156Jul 07 04:35 PM
Mirgorodskaya NataliaSee RemarksJul 02 '25Sale70.066,533457,67524,623Jul 07 04:35 PM
Darling ScottChief Legal OfficerJul 02 '25Option Exercise13.225,00066,100142,014Jul 03 02:31 PM
Darling ScottChief Legal OfficerJul 01 '25Option Exercise13.222,00026,440139,014Jul 03 02:31 PM
Darling ScottChief Legal OfficerJul 02 '25Sale70.045,000350,176137,014Jul 03 02:31 PM
Darling ScottChief Legal OfficerJul 01 '25Sale63.562,000127,120137,014Jul 03 02:31 PM
Mirgorodskaya NataliaOfficerJul 02 '25Proposed Sale70.066,533457,674Jul 02 04:08 PM
Darling ScottOfficerJul 02 '25Proposed Sale70.045,000350,176Jul 02 04:04 PM
Singh Cassidy SukhinderFormer DirectorJul 01 '25Proposed Sale67.011,27885,639Jul 01 04:13 PM
Darling ScottOfficerJul 01 '25Proposed Sale63.562,000127,120Jul 01 04:12 PM
Girouard DaveChief Executive OfficerJun 20 '25Option Exercise0.8341,66734,58494,281Jun 24 04:32 PM
Girouard DaveChief Executive OfficerJun 20 '25Sale60.0541,6672,501,98352,614Jun 24 04:32 PM
Gu PaulChief Technology OffierJun 17 '25Option Exercise3.8025,00095,0001,147,156Jun 20 04:53 PM
Girouard DaveOfficerJun 20 '25Proposed Sale60.0541,6672,501,984Jun 20 04:19 PM
Darling ScottChief Legal OfficerJun 11 '25Option Exercise13.223,00039,660140,014Jun 13 05:30 PM
Darling ScottChief Legal OfficerJun 11 '25Sale60.003,000180,000137,014Jun 13 05:30 PM
Girouard DaveChief Executive OfficerJun 11 '25Option Exercise0.8341,66734,58494,281Jun 13 05:29 PM
Girouard DaveChief Executive OfficerJun 11 '25Sale60.1141,6672,504,52452,614Jun 13 05:29 PM
Girouard DaveOfficerJun 11 '25Proposed Sale60.1141,6672,504,524Jun 11 04:14 PM
Darling ScottOfficerJun 11 '25Proposed Sale60.003,000180,000Jun 11 04:13 PM
Darling ScottChief Legal OfficerJun 03 '25Option Exercise13.221,00013,220144,397Jun 05 06:24 PM
Darling ScottChief Legal OfficerJun 03 '25Sale50.007,383369,166137,014Jun 05 06:24 PM
Cooper Kerry WhortonDirectorJun 02 '25Sale46.9250023,46025,934Jun 04 05:02 PM
Darling ScottOfficerJun 03 '25Proposed Sale50.007,383369,166Jun 03 04:45 PM
Cooper Kerry WhortonDirectorJun 02 '25Proposed Sale46.9250023,460Jun 02 04:11 PM
Mirgorodskaya NataliaSee RemarksMay 23 '25Sale44.191,34059,21524,623May 28 04:26 PM
Mirgorodskaya NataliaOfficerMay 23 '25Proposed Sale44.191,34059,215May 23 04:04 PM
Mirgorodskaya NataliaSee RemarksMay 20 '25Sale46.9676435,87425,963May 22 05:58 PM
Datta SanjayChief Financial OfficerMay 20 '25Sale46.9713,512634,674311,356May 22 05:58 PM
Darling ScottChief Legal OfficerMay 20 '25Sale46.986,732316,246143,397May 22 05:57 PM
Gu PaulChief Technology OffierMay 19 '25Option Exercise3.8025,00095,0001,122,156May 21 05:35 PM
Mirgorodskaya NataliaOfficerMay 20 '25Proposed Sale46.9676435,874May 20 05:11 PM
Darling ScottOfficerMay 20 '25Proposed Sale46.986,732316,247May 20 05:10 PM
Datta SanjayOfficerMay 20 '25Proposed Sale4.69135,212634,673May 20 05:09 PM
Darling ScottChief Legal OfficerApr 29 '25Option Exercise13.221,00013,220151,129May 01 08:33 PM
Darling ScottChief Legal OfficerMay 01 '25Option Exercise13.221,00013,220151,129May 01 08:33 PM
Darling ScottChief Legal OfficerApr 29 '25Sale50.271,00050,270150,129May 01 08:33 PM
Darling ScottChief Legal OfficerMay 01 '25Sale50.161,00050,157150,129May 01 08:33 PM
Darling ScottOfficerMay 01 '25Proposed Sale50.161,00050,157May 01 05:21 PM
Darling ScottOfficerApr 29 '25Proposed Sale50.271,00050,270Apr 29 04:36 PM
Gu PaulChief Technology OffierApr 14 '25Option Exercise3.8025,00095,0001,097,156Apr 16 04:18 PM
Gu PaulChief Technology OffierMar 10 '25Option Exercise18.0418,113326,8201,072,156Mar 10 07:23 PM