Upstart Holdings, Inc.
UPSTFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeHeadquartered within the financial services sector, Upstart Holdings, Inc. focuses on Credit Services services and products. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company carries a $2.63B market cap, placing it firmly in the mid-cap category. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Market Cap
$2.63B
Beta
2.17
P/E (TTM)
51.88
P/E (Fwd)
7.76
EPS (TTM)
$0.52
EPS (Fwd)
$3.48
ROE
7.9%
ROA
2.0%
Cash
$457.8M
Total Debt
$2.06B
Free CF
-$132.4M
52W Change
-55.1%
Annual Financials
Cash vs Debt
Where UPST stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, UPST finished 7.37% below its 150-day moving average ($30.41) and 17.49% below its 200-day moving average ($34.14). 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 September 3, 2026 close, UPST's RSI(14) was 37.9, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish 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. The company is burning cash, with free cash flow at -$132.4M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 7.9%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
A beta of 2.17 means UPST is more volatile than average. Investors should be prepared for wider price swings relative to broader indices. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Upstart Holdings, Inc.'s trajectory.