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  1. Finance or Crypto Assets
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  3. Upstart Holdings, Inc.

Upstart Holdings, Inc. (UPST) Stock Forecast

Stock Price Forecast

Aug. 14, 2025

Forecasted Returns

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About the Company

Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. The founding team includes Dave Girouard, former President of Enterprise Google; Paul Gu, a Thiel Fellow; and Anna Counselman, former Manager of Global Enterprise Customer Programs and Gmail Consumer Operations at Google. Upstart first launched in April 2012 with an Income Share Agreement (ISA) product, which enabled individuals to raise money by contracting to share a percent of their future income. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. This means that in addition to traditional underwriting criteria—FICO score, credit report, and income—the Upstart underwriting considers education variables—colleges attended, area of study, GPA, and standardized test scores—and work history to develop a statistical model of the borrower's financial capacity and personal propensity to repay. Upstart raised a $1.75M seed round from First Round Capital, Kleiner Perkins Caufield & Byers, New Enterprise Associates, Google Ventures, Crunchfund and Mark Cuban. They subsequently raised a series A round of $5.9M which included new investors Eric Schmidt (Google Executive Chairman), Marc Benioff, Khosla Ventures, Correlation Ventures, Founders Fund, and Collaborative Fund. Upstart raised a Series C round of $35M from Third Point Capital in June 2015, and $32.5M from Rakuten in 2017. Upstart raised a Series D round of $50M from The Progressive Corporation in 2019. In late 2020, Upstart went public via an initial public offering.

Sector

Finance or Crypto Assets

Industry

Finance Services

Employees

1918

Exchange

Nasdaq

$851M

Total Revenue

2K

Employees

$7B

Market Capitalization

-29.61

Price/Earning ratio

Fundamental Data and Insider Transactions (Quarterly data) Full Screen

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Latest News on Upstart Holdings, Inc.

Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock

9h ago, source: None

Upstart Holdings, Inc. (UPST) is one of the stocks most watched by Zacks.com visitors lately. So, it might be a good idea to ...

Why Is Upstart Stock Trading Lower On Monday?

3d ago, source: Benzinga

Upstart shares drop as it announces $500 million convertible notes offering, even after posting strong Q2 results and raising ...

Upstart’s stock takes a mysterious dive after earnings. What’s behind the move.

on MSN ago, source: MarketWatch on MSN.com

Analysts noted high expectations for the AI lender, as well as a sharp increase in the amount of loans held on the company’s ...

Upstart Stock Is Tumbling After Hours: What's Going On?

9d ago, source: Benzinga

Upstart Holdings announces second-quarter financial results after the market close on Tuesday. Here's what you need to know ...

Upstart Announces Upsize and Pricing of Offering of $600,000,000 of 0% Convertible Senior Notes Due 2032

2d ago, source: None

Upstart Holdings, Inc. (NASDAQ: UPST) today announced the pricing of $600,000,000 aggregate principal amount of 0% Convertible Senior Notes due 2032 (the “notes”) in a private offering (the “offering” ...

Upstart Q2 Preview: Anticipating Strong Consumer Loan Growth, Initiate With Buy

10d ago, source: Seeking Alpha

Upstart Holdings, Inc. is still in the early stage of penetrating the massive market in personal and auto loans. Click here ...

Dave Stock Skyrockets 416% in a Year: Should You Play or Let Go?

1d ago, source: Yahoo Finance

Dave Inc. DAVE stock has shown remarkable growth over the past year. The stock has skyrocketed 416%, outperforming the ...

Upstart Holdings, Inc. (UPST) Stock Drops Despite Market Gains: Important Facts to Note

20d ago, source: None

Upstart Holdings, Inc. (UPST) closed the most recent trading day at $82.7, moving 1.7% from the previous trading session.

Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to ... - Nasdaq

3mon ago, source: Nasdaq

Upstart reported revenues of $218.96 million in the last reported quarter, representing a year-over-year change of +56.1%. EPS of $0.26 for the same period compares with -$0.11 a year ago.

Upstart Holdings, Inc. (UPST) Q4 2024 Earnings Call Transcript

6mon ago, source: Seeking Alpha

Upstart Holdings, Inc. (NASDAQ: UPST) Q4 2024 Earnings Call Transcript February 11, 2025 4:30 PM ET Company Participants Sonya Banerjee - Investor Relations Dave Girouard - Co Founder and Chief ...

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