Jump to any asset 724 assets, updated daily
As of August 11, 2026, Upstart Holdings, Inc. (UPST) trades at $29.78. CleaRank Financial AI rates it Hold with a fair value of $25.00, 16.1% below the current price. RSI at 55 is in neutral territory, and the price is below its 50-day average of $31.04.
Upstart Holdings, Inc. (UPST)
$29.78 -0.4300 (-1.42%)
Real Time Price
AI Analyst Consensus
55 / 100
Upstart Holdings, Inc. (UPST) is currently trading at $29.78, reflecting a market capitalization of approximately $2.94 billion. The company operates within the Financial Services sector, specifically in Credit Services, and has demonstrated robust revenue growth of 42.3%. Despite this top-line expansion, its P/E ratio stands at a high 58.10, suggesting a premium valuation relative to its earnings per share of $0.52. The stock's current price action shows it trading above its 20-day Exponential Moving Average (EMA) but below its 50-day and 200-day Simple Moving Averages (SMA), indicating a neutral to slightly cautious technical stance.
Insiders have recently been net sellers, with total sales of $30.8 million against purchases of $10.3 million, signaling a moderate insider selling according to insider analysis. This insider activity, coupled with the elevated P/E ratio, warrants careful consideration for investors. While the company's growth trajectory is positive, the current valuation and insider sentiment suggest a balanced approach is prudent.
Insiders have recently been net sellers, with total sales of $30.8 million against purchases of $10.3 million, signaling a moderate insider selling according to insider analysis. This insider activity, coupled with the elevated P/E ratio, warrants careful consideration for investors. While the company's growth trajectory is positive, the current valuation and insider sentiment suggest a balanced approach is prudent.
UPST Price Analysis
Market Metrics
Open
$30.00
Day Range
$29.78 to $30.35
Prev Close
$30.21
Volume
15,860.00
52-Week Range
$23.97 to $87.30
Market Cap
$2.94B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
The stock's valuation metrics position it within the sector's competitive landscape, reflecting its market standing and growth trajectory relative to industry peers.
UPST Analysis
Company's Health 3/5
AI Analyst Target +3.00% Upside
Target Price
$30.67
AI Technical Analysis
Upstart Holdings, Inc. (UPST) is exhibiting neutral momentum, with its Relative Strength Index (RSI) at 55.26, indicating neither overbought nor oversold conditions. The stock is trading above its 20-day EMA ($29.70), suggesting some near-term positive price action, but remains below its 50-day SMA ($31.04) and 200-day SMA ($35.35). This positioning below longer-term averages indicates that the broader trend may still be under pressure. The MACD is slightly negative at -0.31, further supporting a neutral to cautious outlook.
Key support levels are likely to be found near the 50-day SMA, while resistance may emerge around the $31.04 mark. The Stochastic oscillator is at 44.20, also suggesting a lack of strong directional conviction. The Commodity Channel Index (CCI) at 53.15 is positive, but not in extreme territory. Overall, the technicals suggest a stock consolidating or attempting to find its footing after recent price action, with no clear bullish or bearish trend established.
Key support levels are likely to be found near the 50-day SMA, while resistance may emerge around the $31.04 mark. The Stochastic oscillator is at 44.20, also suggesting a lack of strong directional conviction. The Commodity Channel Index (CCI) at 53.15 is positive, but not in extreme territory. Overall, the technicals suggest a stock consolidating or attempting to find its footing after recent price action, with no clear bullish or bearish trend established.
ProTips
- Monitor Upstart's ability to convert its strong revenue growth into consistent profitability; a high P/E ratio demands sustained earnings expansion.
- Given the neutral technicals and insider selling, consider employing risk management strategies such as setting stop-loss orders below the 50-day SMA ($31.04) to mitigate potential downside.
- The Financial Services sector is sensitive to interest rate environments; keep an eye on macroeconomic indicators that could impact Upstart's lending platform and customer demand.
Key Catalysts
Bullish Continued Strong Revenue Growth
Sustained revenue growth above 40% could further validate Upstart's business model and market position, potentially attracting investor interest.
Source: Company Financials Bearish Insider Net Selling Pressure
The ongoing net selling by insiders, totaling $30.8M in sales versus $10.3M in purchases, signals a potential lack of confidence or a need for personal liquidity, which could weigh on investor sentiment.
Source: Insider Transactions Neutral Technical Consolidation Above 20-Day EMA
The stock trading above its 20-day EMA suggests some level of short-term buying interest, but its position below longer-term averages indicates a lack of strong upward momentum.
Source: Technical Analysis Bullish Potential for Profitability Improvement
If Upstart can leverage its revenue growth to improve operating margins and achieve greater profitability, it could justify its current valuation and drive stock price appreciation.
Source: Fundamental Analysis Market Outlook
The outlook for Upstart Holdings, Inc. (UPST) in the next 6-12 months is cautiously neutral, contingent on its ability to justify its premium valuation through sustained growth and a clear path to increased profitability. If the company can continue its impressive revenue growth trajectory (42.3%) and begin to translate this into more substantial earnings, it could support the current stock price and potentially drive upside. A target price around $25.00-$40, aligning with its 200-day SMA and reflecting continued growth, is plausible if fundamental improvements materialize.
However, downside risks remain significant. A failure to improve profitability or a slowdown in revenue growth could lead to a valuation reset, pushing the stock lower towards its current technical support levels near the 50-day SMA ($31.04). The net selling by insiders also adds a layer of caution. Key catalysts to watch will be future earnings reports, any new strategic partnerships that could drive loan volume, and broader market sentiment towards growth stocks in the Financial Services sector.
However, downside risks remain significant. A failure to improve profitability or a slowdown in revenue growth could lead to a valuation reset, pushing the stock lower towards its current technical support levels near the 50-day SMA ($31.04). The net selling by insiders also adds a layer of caution. Key catalysts to watch will be future earnings reports, any new strategic partnerships that could drive loan volume, and broader market sentiment towards growth stocks in the Financial Services sector.
Key Statistics
| Market Cap | 2.94B |
| P/E Ratio | 58.10 |
| EPS (TTM) | 0.5200 |
| Dividend Yield | 0.00% |
| 52 Week High | 87.30 |
| 52 Week Low | 23.97 |
Upstart Holdings, Inc. (UPST) presents a valuation challenge with a P/E ratio of 58.10, significantly higher than the Financial Services sector average of 15.2. This premium valuation is not supported by a correspondingly high Net Profit Margin, as indicated by a EPS of $0.52 (implying a negative net margin). While the company boasts impressive revenue growth of 42.3%, this growth is not translating into profitability at a level that justifies the current P/E multiple. The price-to-sales ratio, though not explicitly provided, would likely also be elevated given the market cap and revenue.
The company's balance sheet strength and efficiency metrics like Return on Equity (ROE) are not detailed in the provided data, but the negative EPS is a primary concern for fundamental investors. The high P/E ratio, in the context of current earnings, suggests that the stock is priced for substantial future growth that has yet to materialize in terms of profitability. Investors should scrutinize the path to sustained profitability and whether the current growth rate can be maintained to support the valuation.
The company's balance sheet strength and efficiency metrics like Return on Equity (ROE) are not detailed in the provided data, but the negative EPS is a primary concern for fundamental investors. The high P/E ratio, in the context of current earnings, suggests that the stock is priced for substantial future growth that has yet to materialize in terms of profitability. Investors should scrutinize the path to sustained profitability and whether the current growth rate can be maintained to support the valuation.
Earnings & Growth Analysis
Upstart Holdings, Inc. (UPST) reported an Earnings Per Share (EPS) of $0.52. While specific earnings dates and beat/miss data are not provided, the positive EPS figure indicates some level of profitability. However, the P/E ratio of 58.10 suggests that this EPS is relatively low compared to the stock price, implying that the market is pricing in significant future earnings growth. Without forward guidance or detailed earnings call transcripts, it is difficult to assess the trajectory of future earnings and revenue. The current financial data points to a company that is growing its top line but has not yet achieved a scale of profitability that would typically support such a high valuation multiple.
Key Risks
The primary risk for Upstart Holdings, Inc. (UPST) is its elevated valuation, reflected in a P/E ratio of 58.10, which appears stretched given its current earnings per share of $0.52. Insider selling, with net sales of $30.8 million versus purchases of $10.3 million, presents a cautionary signal regarding management's short-term outlook. Furthermore, the stock's technical positioning below its 50-day and 200-day SMAs suggests that the broader market trend may not be supportive, indicating potential for further downside if momentum falters.
Technical Indicators
| RSI (14) | 55.26 |
| MACD | -0.31 |
| SMA 50 | 31.04 |
| SMA 200 | 35.35 |
Technical Rating Bearish
RSI
Neutral
SMA Cross
Bearish
Price vs SMA
Bearish
MACD
Bearish
Moving averages show a lagging Death Cross (50-day: $31.04, 200-day: $35.35), price is trading below the 50-day SMA.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY) +0.53
Moderate correlation
Nasdaq 100 (QQQ) +0.49
Moderate correlation
Bitcoin (BTC) +0.42
Moderate correlation
Gold (XAU) +0.04
Weak correlation
Check Custom Correlation
UPST Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative 2% Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies (click to switch)
CONSERVATIVE
$29.48
Slight discount to current
Wait for small dip
AGGRESSIVE
$29.78
At current price
Enter now if confident
Risk Management
STOP LOSS
$28.18
MAX LOSS
-4.4%
Volatility-Adjusted Stop Loss
Calculated based on RSI (55.3) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$30.37
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$30.96
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$31.84
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
ℹ️ Disclaimer
This AI-generated trade plan for UPST is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on August 11, 2026. Growth of $10,000
Compare with Another Ticker
Monte Carlo Projection (10yr)
People Also Watch
Compare UPST
UPST Insider Trading Analysis
Source: SEC Form 4▲
Bought $10.3M
3 Transactions
▼
Sold $30.8M
60 Transactions
●
Insiders 14
Active Traders
$
Avg Transaction $652.6K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|