UPST
Upstart Holdings, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Sell
-34/100
Last price
24.00
▼ 0.35 (1.44%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
24.43
Prev close
24.35
Day high
24.90
Day low
23.82
Volume
4.44M
Market cap
$2.32B
P/E (TTM)
47.72
52W range
22.56 – 55.22
Day trading desk
Gap from prior close
+0.33%
Prior close 24.35
VWAP
24.04
-0.16% from price
Relative volume
1.85×
Unusually busy
Session range
4.60%
23.81 – 24.90
Position in range
18%
Near session low
ATR (14D)
1.02
4.26% of price
Prior day high
24.45
PDH
Prior day low
22.72
PDL
Bid / ask spread
—
Quote not published
Session volume
7.89M
Avg 4.27M
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+3.11%
+1.2%
1M
-14.94%
-16.1%
3M
-24.99%
-29.5%
6M
-9.79%
-28.0%
YTD
-45.44%
-59.7%
1Y
-54.08%
-70.5%
3Y
-16.40%
-98.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on UPST open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+1.25M
Net buying
Buy transactions
12
1.45M shares
Sell transactions
16
197.87K shares
Net transactions
+28
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
12.59M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 10, 26 | GU PAUL Chief Executive Officer |
BUY | 50.00K | $1.28M | Indirect |
| Sep 8, 26 | DATTA SANJAY Officer |
SELL | 116.00K | $3.17M | Direct |
| Sep 8, 26 | DATTA SANJAY Officer |
CONVERSION | 300.00K | $405.00K | Direct |
| Aug 25, 26 | MIRGORODSKAYA NATALIA Officer |
SELL | 913 | $27.42K | Direct |
| Aug 20, 26 | MIRGORODSKAYA NATALIA Officer |
SELL | 586 | $16.46K | Direct |
| Aug 20, 26 | DATTA SANJAY Officer |
SELL | 18.95K | $565.93K | Direct |
| Aug 20, 26 | DARLING SCOTT L Officer |
SELL | 7.70K | $216.22K | Direct |
| Aug 19, 26 | BLANKMEYER ANDREA Chief Financial Officer |
SELL | 10.18K | $298.64K | Direct |
| Aug 17, 26 | DATTA SANJAY Officer |
SELL | 2.03K | $59.68K | Direct |
| Aug 17, 26 | DARLING SCOTT L Officer |
SELL | 814 | $23.90K | Direct |
| Jun 9, 26 | DATTA SANJAY Officer |
SELL | 15.00K | $456.12K | Direct |
| May 29, 26 | WENNES TIMOTHY H Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | TERRY HILLIARD C III Director |
STOCK | 6.48K | $0 | Direct |
| May 29, 26 | COOPER KERRY WHORTON Director |
STOCK | 6.48K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BLANKMEYER ANDREA |
Chief Financial Officer | 152.21K | Sale |
COOPER KERRY WHORTON |
Director | 36.18K | Stock Award(Grant) |
DARLING SCOTT L |
Officer | 119.92K | Sale |
DATTA SANJAY |
Officer | 476.58K | Sale |
GIROUARD DAVID |
Director and Beneficial Owner of more than 10% of a Class of Security | — | Purchase |
GU PAUL |
Chief Executive Officer | — | Purchase |
HENTGES MARY M. |
Director | 37.15K | Stock Award(Grant) |
MIRGORODSKAYA NATALIA |
Officer | 35.88K | Sale |
O'KELLY CIARAN |
Director | 39.48K | Stock Award(Grant) |
TERRY HILLIARD C III |
Director | 37.43K | Stock Award(Grant) |
Fundamentals
Market cap$2.32B
Enterprise value$3.92B
Revenue (TTM)$1.29B
Gross profit$1.07B
EBITDA$115.06M
Net income$60.33M
EPS (TTM)$0.50
Free cash flow$-132.38M
Total cash$457.84M
Total debt$2.06B
Book value / share$8.20
Shares outstanding97.31M
Float83.67M
Short % of float32.50%
Dividend yield0.00%
Beta (5Y)2.43
Valuation & profitability ratios
Trailing P/E47.72
Forward P/E6.86
PEG ratio—
Price / sales—
Price / book2.91
EV / revenue3.05
EV / EBITDA34.09
Gross margin83.04%
Operating margin7.20%
Profit margin4.69%
Return on equity7.94%
Return on assets1.98%
Debt / equity258.01
Current ratio10.46
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.02B | $628.83M | $508.12M | $837.76M | +62.8% |
| Operating revenue | $1.02B | $628.83M | $508.12M | $837.76M | +62.8% |
| Selling, general & admin | $743.62M | $555.73M | $489.95M | $719.06M | +33.8% |
| Pre-tax income | $54.33M | -$128.40M | -$240.03M | -$109.07M | +142.3% |
| Tax provision | $728.00K | $185.00K | $107.00K | -$409.00K | +293.5% |
| Net income | $53.60M | -$128.58M | -$240.13M | -$108.67M | +141.7% |
| Net income to common | $53.60M | -$128.58M | -$240.13M | -$108.67M | +141.7% |
| Basic EPS | 0.56 | -1.44 | -2.87 | -1.31 | +138.9% |
| Diluted EPS | 0.45 | -1.44 | -2.87 | -1.31 | +131.3% |
| Basic shares | 96.03M | 89.45M | 83.77M | 82.77M | +7.4% |
| Diluted shares | 107.49M | 89.45M | 83.77M | 82.77M | +20.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $657.45M | $793.61M | $377.32M | $432.41M | — | -17.2% |
| Accounts receivable | — | $48.23M | $40.49M | $46.65M | $55.52M | — |
| Property, plant & equipment | $60.58M | $82.47M | $97.35M | $130.50M | — | -26.5% |
| Goodwill & intangibles | $75.35M | $76.49M | $78.42M | $82.69M | — | -1.5% |
| Total assets | $2.97B | $2.37B | $2.02B | $1.94B | — | +25.7% |
| Current debt | $97.33M | $195.60M | $387.43M | $336.45M | — | -50.2% |
| Long-term debt | $1.73B | $1.21B | $653.00M | $649.94M | — | +43.5% |
| Total debt | $1.85B | $1.45B | $1.10B | $1.09B | — | +27.4% |
| Total liabilities | $2.18B | $1.73B | $1.38B | $1.26B | — | +25.5% |
| Retained earnings | -$357.56M | -$411.16M | -$282.58M | -$42.44M | — | +13.0% |
| Shareholder equity | $798.82M | $633.22M | $635.30M | $672.43M | — | +26.2% |
| Net tangible assets | $723.46M | $556.73M | $556.89M | $589.74M | — | +29.9% |
| Shares issued | 98.03M | 93.47M | 86.33M | 81.26M | — | +4.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $53.60M | -$128.58M | -$240.13M | -$108.67M | — | +141.7% |
| Depreciation & amortisation | $24.84M | $20.55M | $24.90M | $13.51M | — | +20.9% |
| Stock-based compensation | $131.95M | $133.40M | $175.04M | $125.94M | — | -1.1% |
| Change in working capital | $26.64M | $34.63M | -$19.71M | -$5.04M | — | -23.1% |
| Operating cash flow | -$147.72M | $186.33M | -$111.71M | -$657.86M | — | -179.3% |
| Capital expenditure | -$18.41M | -$9.99M | -$12.09M | -$22.91M | — | -84.3% |
| Investing cash flow | -$177.17M | -$237.73M | -$118.45M | -$114.13M | — | +25.5% |
| Share buybacks | — | $0 | $0 | -$177.88M | $0 | — |
| Financing cash flow | $405.64M | $559.87M | $165.49M | $113.21M | — | -27.5% |
| Free cash flow | -$166.13M | $176.34M | -$123.80M | -$680.77M | — | -194.2% |
| End cash position | $1.06B | $976.26M | $467.79M | $532.47M | — | +8.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $364.71M | $308.21M | $276.22M | $277.11M | $257.29M | +18.3% |
| Operating revenue | $364.71M | $308.21M | $276.22M | $277.11M | $257.29M | +18.3% |
| Selling, general & admin | $256.21M | $235.62M | $210.26M | $189.41M | $183.92M | +8.7% |
| Pre-tax income | $17.15M | -$6.56M | $19.16M | $31.93M | $5.66M | +361.4% |
| Tax provision | $614.00K | $84.00K | $526.00K | $124.00K | $49.00K | +631.0% |
| Net income | $16.54M | -$6.65M | $18.64M | $31.80M | $5.61M | +348.9% |
| Net income to common | $16.54M | -$6.65M | $18.64M | $31.80M | $5.61M | +348.9% |
| Basic EPS | 0.17 | -0.07 | 0.19 | 0.33 | 0.06 | +342.9% |
| Diluted EPS | 0.16 | -0.07 | 0.17 | 0.23 | 0.05 | +328.6% |
| Basic shares | 96.57M | 96.90M | 97.59M | 96.68M | 95.53M | -0.3% |
| Diluted shares | 109.72M | 96.90M | 112.22M | 109.72M | 102.85M | +13.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $457.74M | $474.55M | $657.45M | $494.89M | $400.56M | — | -3.5% |
| Accounts receivable | — | — | — | $43.52M | $44.68M | $43.01M | — |
| Property, plant & equipment | $68.20M | $61.61M | $60.58M | $78.91M | $81.56M | — | +10.7% |
| Goodwill & intangibles | $74.78M | $75.07M | $75.35M | $75.64M | $75.92M | — | -0.4% |
| Total assets | $3.17B | $2.96B | $2.97B | $2.90B | $2.48B | — | +7.1% |
| Current debt | $251.76M | $183.31M | $97.33M | $140.52M | $189.54M | — | +37.3% |
| Long-term debt | $1.75B | $1.74B | $1.73B | $1.72B | $1.24B | — | +0.7% |
| Total debt | $2.03B | $1.94B | $1.85B | $1.90B | $1.47B | — | +4.4% |
| Total liabilities | $2.37B | $2.23B | $2.18B | $2.16B | $1.76B | — | +6.5% |
| Retained earnings | -$347.66M | -$364.20M | -$357.56M | -$376.19M | -$408.00M | — | +4.5% |
| Shareholder equity | $797.49M | $733.17M | $798.82M | $743.72M | $722.01M | — | +8.8% |
| Net tangible assets | $722.71M | $658.10M | $723.46M | $668.08M | $646.09M | — | +9.8% |
| Shares issued | 97.31M | 95.71M | 98.03M | 97.28M | 96.09M | — | +1.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $16.54M | -$6.65M | $18.64M | $31.80M | $5.61M | — | +348.9% |
| Depreciation & amortisation | $7.13M | $5.86M | $6.46M | $6.13M | $5.84M | — | +21.6% |
| Stock-based compensation | $44.47M | $34.81M | $32.45M | $34.16M | $35.51M | — | +27.7% |
| Change in working capital | $28.43M | -$44.87M | $44.69M | -$13.96M | $38.61M | — | +163.4% |
| Operating cash flow | -$136.63M | -$133.30M | $108.55M | -$122.63M | -$120.16M | — | -2.5% |
| Capital expenditure | -$6.25M | -$6.99M | -$3.92M | -$3.96M | -$4.37M | — | +10.6% |
| Investing cash flow | $94.08M | $876.00K | $131.74M | -$120.51M | -$109.83M | — | +10,640.0% |
| Share buybacks | $0 | -$100.06M | — | — | $0 | $0 | +100.0% |
| Financing cash flow | $93.49M | $6.74M | -$20.18M | $378.58M | $91.93M | — | +1,286.5% |
| Free cash flow | -$142.88M | -$140.29M | $104.63M | -$126.59M | -$124.53M | — | -1.8% |
| End cash position | $982.28M | $931.33M | $1.06B | $836.90M | $701.46M | — | +5.5% |
Options analytics
Put / call volume
0.92
Call-heavy session
Put / call open interest
0.62
Positioning, not flow
Max pain
24.50
+2.7% from spot
ATM implied vol
62.1%
Nearest strike to spot
Skew (10% OTM)
+15.6%
Puts bid over calls
Call volume
2.83K
Contracts, this expiry
Put volume
2.61K
Contracts, this expiry
Heaviest call OI
25.00
2.39K contracts
Heaviest put OI
20.00
1.83K contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.55 | 0.57 | +2.7% |
| Mar 2026 | 0.43 | 0.30 | -29.0% |
| Dec 2025 | 0.46 | 0.50 | +7.6% |
| Sep 2025 | 0.42 | 0.52 | +23.4% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.65 | 6 | $365.10M | +31.8% |
| Next quarter | 0.74 | 6 | $382.92M | +29.3% |
| Current year | 2.30 | 8 | $1.42B | +36.0% |
| Next year | 3.48 | 9 | $1.86B | +31.1% |
Analyst targets & ownership
Mean target$40.00
High target$61.00
Low target$20.00
Implied upside66.67%
Analyst count16
ConsensusBUY
Strong buy / Buy1 / 6
Hold7
Sell / Strong sell0 / 1
Held by insiders12.94%
Held by institutions62.72%
Institutions holding478
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
23.60
+1.68% from price
SMA 20
24.51
-2.64% from price
SMA 50
27.35
-12.75% from price
SMA 100
29.29
-18.07% from price
SMA 200
32.03
-25.52% from price
EMA 12
24.02
-0.06% from price
EMA 26
25.23
-4.88% from price
EMA 50
26.75
-10.28% from price
RSI (14)
40.7
Neutral
MACD (12,26,9)
-1.22
Hist 0.08
ATR (14)
1.02
4.28% of price
Realised vol 30D
43.4%
Annualised
Bollinger upper
26.65
20, 2σ
Bollinger lower
22.37
20, 2σ
50 / 200 cross
Death
27.35 vs 32.03
Trend bias
Below 200
-25.52%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
2.93
More volatile than market
Correlation to SPY
0.59
Loosely linked
Realised vol 30D
43.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-56.8%
Peak to trough
Max drawdown 5Y
-96.9%
Peak to trough
ATR 14
1.02
4.28% of price
Beta (reported)
2.43
5Y monthly, from filing
Short interest
Shares short
27.65M
Prior 24.78M
Change vs prior
+11.6%
Shorts adding
% of float
32.50%
Heavily shorted
% of shares out
28.41%
Against total outstanding
Days to cover
6.6
Crowded exit
Float
83.67M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 22, 26 | BTIG | MAINTAINED | Buy | Buy |
| Sep 9, 26 | Loop Capital | INITIATED | — | Hold |
| Aug 5, 26 | Needham | MAINTAINED | Buy | Buy |
| Aug 5, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Aug 5, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jul 22, 26 | Citigroup | MAINTAINED | Buy | Buy |
| Jul 9, 26 | Goldman Sachs | MAINTAINED | Neutral | Neutral |
| Jul 7, 26 | Needham | MAINTAINED | Buy | Buy |
| Jul 7, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jun 15, 26 | Needham | MAINTAINED | Buy | Buy |
| May 6, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| May 6, 26 | Needham | MAINTAINED | Buy | Buy |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q/A · 2026-08-05
Periodic Financial Reports
10-Q · 2026-08-04
Corporate Changes & Voting Matters
8-K · 2026-05-28
Corporate Changes & Voting Matters
8-K · 2026-05-19
Periodic Financial Reports
10-Q · 2026-05-05
Proxy Statements
DEF 14A · 2026-04-16
Corporate Changes & Voting Matters
8-K · 2026-03-10
Corporate Changes & Voting Matters
8-K · 2026-02-19
Headlines
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Motley Fool · 3h ago
Upstart Holdings, Inc. (UPST) Stock Sinks As Market Gains: Here's Why
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Upstart to Announce Third Quarter 2026 Results on November 3, 2026
Business Wire · 7h ago
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Does Upstart (UPST) Expanding Credit Union HELOCs Reveal a Durable Edge in AI Lending Platforms?
Simply Wall St. · 1d ago
Why Is Upstart (UPST) Stock Soaring Today
StockStory · 1d ago
Upstart Jumps 6% as Its Own Macro Index Ticks Down; Synchrony Financial Holds Flat, OneMain Holdings Barely Budges
24/7 Wall St. · 1d ago
Upstart Publishes September 2026 Originations and Latest UMI
Business Wire · 2d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.