Upstart’s December-quarter revenue is expected to slow more than Wall Street had been modeling. Upstart continues to deliver solid revenue growth and profitability, despi… Upstart delivered strong Q3 results on November 4, 2025, with 80% Y/Y origination growth and a 71% Y/Y increase in revenues, driven by robust loan demand. Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline.
Highlights important summary options statistics to provide a forward looking indication of investors’ sentiment. For example, a price above its moving average is generally considered an upward trend or a buy. Unique to Barchart.com, Opinions analyzes a stock or commodity using 13 popular analytics in short-, medium- and long-term periods. When available, Bid and Ask information from the Cboe BZX Exchange is updated as new data is received.
It generates most of its revenue by charging its lending partners referral fees, which are collected as a small percentage of each approved loan. That makes Upstart a valuable tool for approving loans for younger and lower-income borrowers with limited credit histories. Chime (CHYM 0.97%) and Upstart (UPST +0.31%) are both high-growth fintech companies that serve lower-income customers. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Upstart Stock News Today: UPST Jumps on Tech CU Partnership as Wall Street Weighs 2026 Outlook (Dec. 18,
In the announcement, Tech CU—described as a nearly $5 billion Bay Area credit union serving 177,000+ members—said it partnered with Upstart to expand consumer loan offerings. Shares were trading around the high-$40s on Thursday, up roughly 8% on the session at the time of this writing. Select reference data provided by FactSet.
- The selloff was intensified after chipmaker Broadcom warned that increased sales of AI systems could lead to thinner profit margins, causing its stock to tumble.
- Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.
- Upstart doesn’t issue any of its own loans.
- Upstart continues to deliver solid revenue growth and profitability, despi…
- Insider trading isn’t destiny, but in a sentiment-heavy stock, it can shape narratives.
Bid Price and Ask Price
There are several formulas that can be used to estimate the intrinsic value of a stock. The average price target for UPST is $60.79, which is 24.30% higher than the xcritical price. UPST does not appear to pay any dividends at this time. The company has $495.71 million in cash and $1.95 billion in debt, giving a net cash position of -$1.46 billion or -$14.96 per share.
Upstart’s Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection
In 2024, its number of active members rose 21% to 8.0 million, its purchase volume increased 25% to $115.2 billion, scammed by xcritical and its average revenue per active member (ARPAM) grew 16% to $245. It generates most of its revenue by taking a cut of the swipe fees that Visa charges merchants whenever its cards are used. Its early pay tools are useful for people who live paycheck to paycheck, while its starter credit cards help them gradually build up their credit scores. It also issues a Visa (V +0.37%) debit card (with fee-free access to more than 50,000 ATMs) and an entry-level credit card.
Earnings Per Share
The Fintech achieved a significant improvemen… The AI lending platform misinterpret… Q3 showed Upstart’s model can scale profitably, but macro and credit headlines can quickly cap loan originations and pressure guidance. In 2024, Upstart Holdings’s revenue was $676.96 million, an increase of 23.43% compared to the previous year’s $548.46 million.
Fundamental data provided by Zacks and Morningstar. Data provided by Nasdaq Data Link, a premier source for financial, economic and alternative datasets. If you see an https://dreamlinetrading.com/ issue with the data or information displayed on this page, please report it using the Contact Us button below. This data feed is available via Nasdaq Data Link APIs; to learn more about subscribing, visit Learn More About Nasdaq Basic.
In the last 12 months, UPST had revenue of $997.75 million and earned $32.21 million in profits. The latest short interest is 23.62 million, so 24.28% of the outstanding shares have been sold short. The company has a xcritical ratio of 22.27, with a Debt / Equity ratio of 2.62. The number of shares has increased by 16.73% in one year. UPST has 97.29 million shares outstanding. The next estimated xcriticalgs date is Tuesday, February 10, 2026, after market close.
Why partnerships matter so much for Upstart’s story
- The Summary Quoteboard displays snapshot quote data.
- On Nov. 6, 2025, Upstart announced a $1.5 billion forward-flow commitment from funds managed by Castlelake, L.P., with Castlelake agreeing to purchase up to $1.5B of consumer loans originated through the Upstart platform.
- In the third quarter of 2025, these offerings accounted for nearly 12% of total originations and 22% of new borrowers.
- But it also automated more of its loans, gained more lending partners, and expanded its smaller auto lending and home equity lines of credit (HELOC) segments to reach more borrowers.
Get stock recommendations, portfolio guidance, and more from The Motley Fool’s premium services. Cost basis and return based on previous market day close. That makes Upstart — which has stronger growth rates, a lower valuation, and clearer near-term catalysts — the better buy. But Upstart, with an enterprise value of $5.38 billion, still looks cheaper at 16 times next year’s adjusted EBITDA. With an enterprise value of $8.35 billion, Chime looks reasonably valued at 26 times next year’s adjusted EBITDA. For 2026, they expect its revenue and adjusted EBITDA to rise 22% and 42%, respectively.
Pillar 2: Funding capacity (who buys/holds the loans)
This sentiment fueled fears of a potential “AI bubble,” leading to a significant downturn in the technology-heavy Nasdaq Composite index. A number of stocks fell in the afternoon session after investors grew increasingly concerned that the billions of dollars being invested into artificial intelligence may not generate sufficient profits. Leo Sun has no position in any of the stocks mentioned. But Chime faces more direct competitors than Upstart, its growth is decelerating, it relies heavily on consumer spending, and its stock is more richly valued. The Fed cut its benchmark rates two more times this year, and analysts expect Upstart’s revenue and adjusted EBITDA to surge 63% and 2,066% in 2025 as those tailwinds kick in.
Valuation Measures
That growth was mainly fueled by the Fed’s three rate cuts throughout the year. But in 2024, Upstart originated loans grew 28% as its conversion rate (the percentage of inquiries leading to approved loans) rose 6.5 percentage points to 16.5%. Upstart doesn’t issue any of its own loans. For 2026, they expect its revenue to grow 21% to $2.62 billion as its adjusted EBITDA nearly triples.
It will be decided by whether Upstart can keep proving—quarter after quarter—that its AI underwriting can scale profitably, maintain credit performance, and stay supported by durable funding in changing economic weather. That kind of purchase often gets read as a confidence signal—especially when UPST is being debated as either a recovering growth story or a structurally volatile lender-tech hybrid. Insider trading isn’t destiny, but in a sentiment-heavy stock, it can shape narratives. The most recent full quarterly update from the company is its third-quarter 2025 report (quarter ended Sept. 30, 2025). Select market data provided by ICE Data Services.
Upstart Holdings Stock Price History
It’s merely an AI-powered middleman marketplace that approves loans for a wide range of banks, credit unions, and auto dealerships. Partnered with Upstart to offer personal loans through Upstart’s marketplace, framing the move as part of expanding innovative financial solutions and access to credit. It’s time to upgrade the stock, as recent stock price declines create an attractive entry point for growth-focused investors. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Both of these fintech stocks seem like promising investments. Its business flourished when interest rates were low, but it stalled out in 2022 and 2023 as rising rates curbed the market’s demand for new loans.
However, a more conservative model pushed the conversion rate down to 20.6% from 23.9% last quarter, though still above 16.3% a year ago. Consumer demand remained robust, with loan applications jumping about 30% quarter over quarter to more than 2 million, the highest in more than three years. According to the company, its AI platform is performing as designed, adapting to evolving macro signals while delivering solid results. Upstart achieved decent progress on its plan of rapid growth, profitability and AI leadership. Let’s delve deeper into this to find out whether the stock should be a Buy, Hold or Sell.