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 December 19, 2025, UPST stock price climbed to $47.59 with 3,982,273 million shares trading.

UPST has a beta of 3.06, meaning it tends to be more sensitive to market movements. UPST has a correlation of 0.47 to the broad based SPY ETF.

UPST has a market cap of $4.46 billion. This is considered a Mid Cap stock.

Last quarter Upstart Hldgs reported $277 million in Revenue and $.52 earnings per share. This fell short of revenue expectation by $-3 million and exceeded earnings estimates by $.23.

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, IWM, VB, BOTZ, VBK.

UPST has underperformed the market in the last year with a return of -29.2%, while the SPY ETF gained +18.1%. In the last 3 month period, UPST fell short of the market, returning -29.9%, while SPY returned +2.8%. However, in the most recent 2 weeks UPST has outperformed the stock market by returning +1.8%, while SPY returned -0.5%.

UPST support price is $44.88 and resistance is $49.18 (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.