# Upstart Holdings share price today (Upstart Holdings, Inc., UPST)

> Upstart Holdings, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. UPST · Financials · Credit Services · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/upst

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## Key numbers

- Price: $21.37 (−55.0% in a year)
- P/BV: 2.4× (lower than 90% of the last 5.3 years)
- Revenue (Jun 2026): $377 M (+42.3% on a year ago)
- Profit (Jun 2026): $16.5 M (+195.0% on a year ago)
- Net margin: 4.4% (+2.3 points on a year ago)
- ROE: 8%, FY25

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the Upstart Holdings share price today? Upstart Holdings, Inc.'s share price was $21.37 at the close on 3 November 2026. It has been falling for 43 weeks. That is 27.8% below its average price over the last 200 trading days. In the last 52 weeks it traded between $21 and $49, and at that close it was at the low of that range. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 11 weeks running. Over the last 5.9 years the share price moved −52% while the S&P 500 moved +104%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 21 August 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Upstart Holdings pay? Upstart Holdings, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Upstart Holdings on? Upstart Holdings is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Upstart Holdings profitable? Upstart Holdings, Inc. earned $16.5 M of net profit in the Jun 2026 quarter, +195.0% on the same quarter a year earlier. Full-year FY25 profit was $53.6 M. Over 4 years profit has grown −20.7% a year on average. That is 4.4% of the quarter's revenue. The same quarter a year earlier earned $5.6 M. 8 of the last 12 reported quarters were loss-making. ## How much revenue does Upstart Holdings make, and is it growing? Upstart Holdings, Inc. reported $377 M of income in the Jun 2026 quarter, +42.3% on the same quarter a year earlier. That is the 8th quarter in a row with growth on the year before. Over 4 years it has grown 6.0% a year on average. The last full year, FY25, came in at $1.1 B. The last four reported quarters add to $1.3 B. FY25 revenue was $1.1 B, +58.9% on the year before. Recent pace: the last four quarters grew +46.6% on average, against 6.0% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +45.3%, against +49.4% a year over the last 8 quarters (rolling over). ## How much does Upstart Holdings keep from what it earns? Upstart Holdings, Inc.'s net margin was 4.4% in the Jun 2026 quarter, 2.3 percentage points higher than the same quarter a year ago. Across 5 years it has been between −43.8% and 15.9%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Upstart Holdings' loans have gone bad? Upstart Holdings, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Upstart Holdings' loan book growing? Upstart Holdings, Inc.'s revenue was $1.1 B in FY25, +58.9% on the year before, so the loan book is growing. The latest quarter was +42.3% on a year earlier. The net margin on that income is 4.4%, +2.3 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Upstart Holdings' P/BV ratio, and how does it compare with its own history? Upstart Holdings, Inc.'s P/BV is 2.4×, near the low end of its own history: it has been lower only 10% of the time. Its usual P/BV (the middle reading) is 4.5×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 8% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Where the price move came from: over 5 years the price moved −42.2% a year; about −1.4% a year came from book-value growth and about −40.8 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is low against its own past, so the book value trend underneath matters more than the multiple. ## Is the Upstart Holdings business getting better or worse? Upstart Holdings, Inc.'s business trend cannot be read yet. There are fewer than eight usable quarters of growth figures, so there is not enough history to read the trend. This is based on 12 quarters of 2 measures, with some gaps. Why it matters: with too little history, we say so rather than guess a direction. There are fewer than eight usable quarters, so this page does not guess a direction from so little history. ## How much does Upstart Holdings earn on its equity and assets? Upstart Holdings, Inc. earned a return on equity of 7% in FY25. Its lowest yearly reading on file was −38% in FY23. On its assets, every $100 earned about $2.12, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew −20.7% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Upstart Holdings have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Upstart Holdings shareholding pattern? 32.1% of Upstart Holdings, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 6.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Upstart Holdings from balance-sheet trouble? For Upstart Holdings, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Upstart Holdings rank in its industry? 33.7 out of 100, rank 26 of 29 in Credit Services, with 55% of the evidence available. Upstart Holdings, Inc. scores 33.7 out of 100 against the 29 companies it is compared with in Credit Services, ranking 26. Some evidence is missing, so the score is pulled toward the middle on purpose. The four parts add up to the total exactly: 18.4 + 4.3 + 9.4 + 1.6 = 33.7. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is Upstart Holdings compared with? Upstart Holdings ranks 26 of 29 Credit Services companies on the 4-Factor Sector Score, with 33.7 out of 100. 1. [Encore Capital Group, Inc.](https://www.sectoralpha.in/us/stocks/ecpg) ECPG · breaking out · Most evidence points up · 67% evidence 72.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 23.3/35 · Income 29.5% · Profit n/a · 45% evidence Capital efficiency 18.4/25 · ROA 8.5% · ROE 34.3% · GNPA n/a · 68% evidence Valuation 16.0/20 · P/BV 1.85× · P/BV÷ROE 0.05 · 70% evidence Relative strength 14.4/20 · Lead over its industry 26.3% · Lead over S&P 500 22.7% · 1 year 111% · 100% evidence · 8 of 12 weeks ahead Exact sum: 23.3 + 18.4 + 16 + 14.4 = 72.1 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 2. [EZCORP, Inc.](https://www.sectoralpha.in/us/stocks/ezpw) EZPW · turning · Most evidence points up · 76% evidence 69.5 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 27.5/35 · Income 28.6% · Profit 62.2% · 71% evidence Capital efficiency 17.2/25 · ROA 8.2% · ROE 17.9% · GNPA n/a · 68% evidence Valuation 13.1/20 · P/BV 1.82× · P/BV÷ROE 0.1 · 70% evidence Relative strength 11.7/20 · Lead over its industry 1.9% · Lead over S&P 500 -0.9% · 1 year 62.4% · 100% evidence · 1 of 12 weeks ahead Exact sum: 27.5 + 17.2 + 13.1 + 11.7 = 69.5 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 3. [Mastercard Incorporated](https://www.sectoralpha.in/us/stocks/ma) MA · breaking out · Most evidence points up · 80% evidence 68.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 24.6/35 · Income 15.3% · Profit 19% · 81% evidence Capital efficiency 20.6/25 · ROA 25.7% · ROE 284.8% · GNPA n/a · 68% evidence Valuation 5.3/20 · P/BV 71.68× · P/BV÷ROE 0.25 · 70% evidence Relative strength 18.4/20 · Lead over its industry 17.2% · Lead over S&P 500 13.7% · 1 year 17.2% · 100% evidence · 11 of 12 weeks ahead Exact sum: 24.6 + 20.6 + 5.3 + 18.4 = 68.9 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 4. [Visa Inc.](https://www.sectoralpha.in/us/stocks/v) V · breaking out · Most evidence points up · 80% evidence 67.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 23.6/35 · Income 14.8% · Profit 17.7% · 81% evidence Capital efficiency 20.1/25 · ROA 20.3% · ROE 63.6% · GNPA n/a · 68% evidence Valuation 4.8/20 · P/BV 18.27× · P/BV÷ROE 0.29 · 70% evidence Relative strength 19.2/20 · Lead over its industry 20.4% · Lead over S&P 500 16.8% · 1 year 25.1% · 100% evidence · 10 of 12 weeks ahead Exact sum: 23.6 + 20.1 + 4.8 + 19.2 = 67.7 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 5. [Atlanticus Holdings Corporation](https://www.sectoralpha.in/us/stocks/atlc) ATLC · quiet · Most evidence points up · 76% evidence 66.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.9/35 · Income 60% · Profit 38.1% · 71% evidence Capital efficiency 15.9/25 · ROA 2.4% · ROE 26.9% · GNPA n/a · 68% evidence Valuation 14.6/20 · P/BV 2.1× · P/BV÷ROE 0.08 · 70% evidence Relative strength 13.4/20 · Lead over its industry 18.7% · Lead over S&P 500 14.8% · 1 year 71.2% · 100% evidence · 2 of 12 weeks ahead Exact sum: 22.9 + 15.9 + 14.6 + 13.4 = 66.8 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 6. [Sezzle Inc.](https://www.sectoralpha.in/us/stocks/sezl) SEZL · turning · Evidence leans up · 76% evidence 64.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 20.1/35 · Income 43.3% · Profit 55.8% · 71% evidence Capital efficiency 19.8/25 · ROA 48.4% · ROE 112% · GNPA n/a · 68% evidence Valuation 6.7/20 · P/BV 24.77× · P/BV÷ROE 0.22 · 70% evidence Relative strength 18.1/20 · Lead over its industry 21.4% · Lead over S&P 500 17.3% · 1 year 106.7% · 100% evidence · 2 of 12 weeks ahead Exact sum: 20.1 + 19.8 + 6.7 + 18.1 = 64.7 · What this means: A strong business with a high valuation: it would need rising earnings, or a lower multiple, to score better on value. 7. [PRA Group, Inc.](https://www.sectoralpha.in/us/stocks/praa) PRAA · losing its lead · Evidence leans up · 76% evidence 64.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 16.9/35 · Income 17.6% · Profit -391.2% · 71% evidence Capital efficiency 13.8/25 · ROA 5% · ROE 12.1% · GNPA n/a · 68% evidence Valuation 16.7/20 · P/BV 0.65× · P/BV÷ROE 0.05 · 70% evidence Relative strength 16.9/20 · Lead over its industry 11.7% · Lead over S&P 500 8.3% · 1 year 34.9% · 100% evidence · 8 of 12 weeks ahead Exact sum: 16.9 + 13.8 + 16.7 + 16.9 = 64.3 · What this means: Relative strength against the index is 8.3%, and revenue and profit growth are weak. 8. [Green Dot Corporation](https://www.sectoralpha.in/us/stocks/gdot) GDOT · quiet · Evidence leans up · 67% evidence 63.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.3/35 · Income 19.2% · Profit n/a · 45% evidence Capital efficiency 14.8/25 · ROA 3.4% · ROE 23.5% · GNPA n/a · 68% evidence Valuation 16.8/20 · P/BV 0.81× · P/BV÷ROE 0.04 · 70% evidence Relative strength 10.0/20 · Lead over its industry -1.9% · Lead over S&P 500 -4.9% · 1 year 7.7% · 100% evidence · 0 of 12 weeks ahead Exact sum: 22.3 + 14.8 + 16.8 + 10 = 63.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 9. [Enova International, Inc.](https://www.sectoralpha.in/us/stocks/enva) ENVA · quiet · Evidence leans up · 80% evidence 62.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 25.8/35 · Income 29.3% · Profit 30.4% · 81% evidence Capital efficiency 18.1/25 · ROA 6% · ROE 29% · GNPA n/a · 68% evidence Valuation 13.3/20 · P/BV 2.65× · P/BV÷ROE 0.09 · 70% evidence Relative strength 5.5/20 · Lead over its industry -1.7% · Lead over S&P 500 -5.1% · 1 year 40.2% · 100% evidence · 4 of 12 weeks ahead Exact sum: 25.8 + 18.1 + 13.3 + 5.5 = 62.7 · What this means: Earnings are strong; relative strength in its sector is -1.7% and the one-year return is 40.2%. 10. [Bread Financial Holdings, Inc.](https://www.sectoralpha.in/us/stocks/bfh) BFH · turning · Evidence leans up · 80% evidence 59.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 14.8/35 · Income 7.3% · Profit 11.7% · 81% evidence Capital efficiency 14.6/25 · ROA 2.6% · ROE 17.5% · GNPA n/a · 68% evidence Valuation 16.1/20 · P/BV 1.09× · P/BV÷ROE 0.06 · 70% evidence Relative strength 14.2/20 · Lead over its industry 18.8% · Lead over S&P 500 15.2% · 1 year 67.1% · 100% evidence · 3 of 12 weeks ahead Exact sum: 14.8 + 14.6 + 16.1 + 14.2 = 59.7 · What this means: Relative strength against the index is 15.2%, and revenue and profit growth are weak. 11. [Capital One Financial Corporation](https://www.sectoralpha.in/us/stocks/cof) COF · basing · Evidence leans up · 60% evidence 59.5 out of 100 Growth Capital Valuation Relative
12. [PayPal Holdings, Inc.](https://www.sectoralpha.in/us/stocks/pypl) PYPL · losing its lead · Evidence leans up · 76% evidence 58.6 out of 100 Growth Capital Valuation Relative
13. [Affirm Holdings, Inc.](https://www.sectoralpha.in/us/stocks/afrm) AFRM · basing · Evidence leans up · 76% evidence 58.4 out of 100 Growth Capital Valuation Relative
14. [FirstCash Holdings, Inc.](https://www.sectoralpha.in/us/stocks/fcfs) FCFS · quiet · Evidence leans up · 80% evidence 55.9 out of 100 Growth Capital Valuation Relative
15. [Credit Acceptance Corporation](https://www.sectoralpha.in/us/stocks/cacc) CACC · quiet · Evidence leans up · 76% evidence 54.7 out of 100 Growth Capital Valuation Relative
16. [Jefferson Capital, Inc.](https://www.sectoralpha.in/us/stocks/jcap) JCAP · quiet · Evidence leans up · 76% evidence 52.9 out of 100 Growth Capital Valuation Relative
17. [OneMain Holdings, Inc.](https://www.sectoralpha.in/us/stocks/omf) OMF · quiet · Evidence leans up · 76% evidence 52.8 out of 100 Growth Capital Valuation Relative
18. [American Express Company](https://www.sectoralpha.in/us/stocks/axp) AXP · basing · Evidence leans up · 80% evidence 52.7 out of 100 Growth Capital Valuation Relative
19. [Federal Agricultural Mortgage Corporation](https://www.sectoralpha.in/us/stocks/agm) AGM · quiet · Evidence leans up · 76% evidence 52.1 out of 100 Growth Capital Valuation Relative
20. [Synchrony Financial](https://www.sectoralpha.in/us/stocks/syf) SYF · basing · Evidence leans down · 80% evidence 49.8 out of 100 Growth Capital Valuation Relative
21. [World Acceptance Corporation](https://www.sectoralpha.in/us/stocks/wrld) WRLD · quiet · Evidence leans down · 69% evidence 46.3 out of 100 Growth Capital Valuation Relative
22. [Ally Financial Inc.](https://www.sectoralpha.in/us/stocks/ally) ALLY · basing · Evidence leans down · 60% evidence 45.6 out of 100 Growth Capital Valuation Relative
23. [The Western Union Company](https://www.sectoralpha.in/us/stocks/wu) WU · basing · Evidence leans down · 76% evidence 41.0 out of 100 Growth Capital Valuation Relative
24. [SoFi Technologies, Inc.](https://www.sectoralpha.in/us/stocks/sofi) SOFI · basing · Evidence leans down · 76% evidence 40.7 out of 100 Growth Capital Valuation Relative
25. [Klarna Group plc](https://www.sectoralpha.in/us/stocks/klar) KLAR · basing · Evidence leans down · 61% evidence 35.1 out of 100 Growth Capital Valuation Relative
26. Upstart Holdings, Inc. this page UPST · basing · Too little evidence to rank firmly · 55% evidence 33.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 18.4/35 · Income 45.5% · Profit n/a · 45% evidence Capital efficiency 4.3/25 · ROA 0.2% · ROE -3.5% · GNPA n/a · 68% evidence Valuation 9.4/20 · P/BV 4.25× · P/BV÷ROE n/a · 10% evidence Relative strength 1.6/20 · Lead over its industry -35.3% · Lead over S&P 500 -37.6% · 1 year -44.6% · 100% evidence · 0 of 12 weeks ahead Exact sum: 18.4 + 4.3 + 9.4 + 1.6 = 33.7 · What this means: Some evidence is missing, so the score is pulled toward the middle on purpose. 27. [Nelnet, Inc.](https://www.sectoralpha.in/us/stocks/nni) NNI · basing · Most evidence points down · 76% evidence 31.6 out of 100 Growth Capital Valuation Relative
28. [Navient Corporation](https://www.sectoralpha.in/us/stocks/navi) NAVI · quiet · Most evidence points down · 76% evidence 30.4 out of 100 Growth Capital Valuation Relative
29. [SLM Corporation](https://www.sectoralpha.in/us/stocks/slm) SLM · quiet · Most evidence points down · 80% evidence 24.8 out of 100 Growth Capital Valuation Relative

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led S&P 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Credit Services](https://www.sectoralpha.in/us/sectors/credit-services), all 29 compared on one page. ## Which companies are close to Upstart Holdings in size? Upstart Holdings is the 21st largest of 42 Credit Services companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: SLM Corporation, Federal Agricultural Mortgage Corporation and Encore Capital Group, Inc. Just below it: The Western Union Company, EZCORP, Inc. and Atlanticus Holdings Corporation. ### Credit Services companies close in size

1. [SLM Corporation](https://www.sectoralpha.in/us/stocks/slm) $3.3 billion
2. [Federal Agricultural Mortgage Corporation](https://www.sectoralpha.in/us/stocks/agm) $2.2 billion
3. [Encore Capital Group, Inc.](https://www.sectoralpha.in/us/stocks/ecpg) $2.1 billion
4. Upstart Holdings, Inc. $2.1 billion
5. [The Western Union Company](https://www.sectoralpha.in/us/stocks/wu) $1.9 billion
6. [EZCORP, Inc.](https://www.sectoralpha.in/us/stocks/ezpw) $1.8 billion
7. [Atlanticus Holdings Corporation](https://www.sectoralpha.in/us/stocks/atlc) $1.4 billion

[All 42 Credit Services companies, largest first](https://www.sectoralpha.in/us/sectors/credit-services#all-companies)

### Companies close in size in other industries

1. [First Commonwealth Financial Corporation](https://www.sectoralpha.in/us/stocks/fcf) $2.1 billion · Banks - Regional
2. [Vericel Corporation](https://www.sectoralpha.in/us/stocks/vcel) $2.1 billion · Biotechnology
3. Upstart Holdings, Inc. $2.1 billion
4. [Capri Holdings Limited](https://www.sectoralpha.in/us/stocks/cpri) $2.1 billion · Luxury Goods
5. [Navitas Semiconductor Corporation](https://www.sectoralpha.in/us/stocks/nvts) $2.1 billion · Semiconductors

## What else do people ask about Upstart Holdings? ### What were Upstart Holdings's latest quarterly results? Upstart Holdings, Inc. reported total income of $377 M and net profit of $16.5 M for the Jun 2026 quarter. Income rose 42.3% and profit rose 195.0% compared with a year earlier. Earnings per share were $0.16. The net margin was 4.4%, 2.3 percentage points higher than a year earlier (as of 3 November 2026). ### What is Upstart Holdings's market cap? Upstart Holdings, Inc.'s market capitalisation is $2.1 B at a stock price of $21.37. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Upstart Holdings performing? Upstart Holdings, Inc.'s share price has been falling for 43 weeks. In its latest quarter, income rose 42.3% and profit rose 195.0% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 11 weeks running (as of 3 November 2026). ### Will Upstart Holdings's stock price go up? This page does not forecast Upstart Holdings, Inc.'s stock price. What it shows instead: the stock price is $21.37, and it has been falling for 43 weeks. Its P/BV of 2.4× is higher than 10% of its own last 5 years (as of 3 November 2026). ### Where is Upstart Holdings in its business cycle? Upstart Holdings, Inc.'s FY25 net margin was 5.0%, against a 5-year range of −43.8% to 15.9%: the middle of its own range, neither a peak nor a low. The latest quarter was 4.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Upstart Holdings story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Upstart Holdings a stock worth studying right now? What the numbers show: Upstart Holdings, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.