Upstart Holdings, Inc.
UPSTFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeUpstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company carries a $2.28B market cap, placing it firmly in the mid-cap category. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Market Cap
$2.28B
Beta
2.43
P/E (TTM)
47.56
P/E (Fwd)
6.65
EPS (TTM)
$0.50
EPS (Fwd)
$3.57
ROE
7.9%
ROA
2.0%
Cash
$457.8M
Total Debt
$2.06B
Free CF
-$132.4M
52W Change
-54.9%
Annual Financials
Cash vs Debt
Where UPST stands vs its 150-day and 200-day moving averages
As of the October 8, 2026 close, UPST finished 17.51% below its 150-day moving average ($29.12) and 24.75% below its 200-day moving average ($31.92). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is UPST overbought or oversold?
At the October 8, 2026 close, UPST's RSI(14) was 44.8, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $457.8M in cash, though total debt stands at $2.06B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow is running at -$132.4M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 7.9% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $837.8M (2022) to $1.02B (2025), reflecting a 22% increase over the period.
Upstart Holdings, Inc.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing UPST.