UPST Stock Summary and Trading Ideas (Upstart Holdings | 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. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).

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

As of September 4, 2026, UPST stock price declined to $28.05 with 2,667,774 million shares trading.

UPST has a beta of 2.98, meaning it tends to be more sensitive to market movements. UPST has a correlation of 0.31 to the broad based SPY ETF.

UPST has a market cap of $2.68 billion. This is considered a Mid Cap stock.

Last quarter Upstart Holdings reported $365 million in Revenue and $.56 earnings per share. This beat revenue expectation by $17 million and exceeded earnings estimates by $.03.

In the last 3 years, UPST traded as high as $96.43 and as low as $19.84.

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

UPST has underperformed the market in the last year with a price return of -57.4% while the SPY ETF gained +19.8%. UPST has also underperformed the stock market ETF in the last 3 month and 2 week periods returning -13.1% and -7.4%, respectively, while the SPY returned +2.0% and +0.6%, respectively.

UPST support price is $27.53 and resistance is $29.51 (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.