UPST Stock Summary and Trading Ideas (Upstart Hldgs | NASDAQ:UPST)

Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.

Upstart Hldgs trades on the NASDAQ stock market under the symbol UPST.

As of February 17, 2026, UPST stock price climbed to $31.97 with 7,217,851 million shares trading.

UPST has a beta of 3.04, meaning it tends to be more sensitive to market movements. UPST has a correlation of 0.40 to the broad based SPY ETF.

UPST has a market cap of $3.00 billion. This is considered a Mid Cap stock.

Last quarter Upstart Hldgs reported $296 million in Revenue and $.46 earnings per share. This beat revenue expectation by $8 million and exceeded earnings estimates by $.12.

In the last 3 years, UPST traded as high as $96.43 and as low as $11.93.

The top ETF exchange traded funds that UPST belongs to (by Net Assets): VTI, VB, IWM, VBK, VXF.

UPST has underperformed the market in the last year with a price return of -62.0% while the SPY ETF gained +13.2%. UPST has also underperformed the stock market ETF in the last 3 month and 2 week periods returning -14.3% and -18.5%, respectively, while the SPY returned +1.9% and -1.3%, respectively.

UPST support price is $29.37 and resistance is $32.00 (based on 1 day standard deviation move). This means that using the most recent 20 day stock volatility and applying a one standard deviation move around the stock's closing price, stastically there is a 67% probability that UPST shares will trade within this expected range on the day.