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 16, 2025, UPST stock price climbed to $46.91 with 3,249,266 million shares trading.

UPST has a beta of 3.10, meaning it tends to be more sensitive to market movements. UPST has a correlation of 0.44 to the broad based SPY ETF.

UPST has a market cap of $4.40 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, VBK, BOTZ.

UPST has underperformed the market in the last year with a return of -44.5%, while the SPY ETF gained +13.6%. In the last 3 month period, UPST fell short of the market, returning -30.0%, while SPY returned +3.0%. However, in the most recent 2 weeks UPST has outperformed the stock market by returning +6.0%, while SPY returned -0.2%.

UPST support price is $43.94 and resistance is $48.16 (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.