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Upstart Holdings, Inc. UPST
Upstart Holdings, Inc. (UPST) earns a Piotroski F-score of 3/9 (weak financial health). It does not currently pay a dividend. FY2025 revenue was $1.0B at a 5.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-15 | Needham | Buy (reit) |
| 2026-05-06 | Piper Sandler | Overweight (main) |
| 2026-05-06 | Needham | Buy (main) |
| 2026-05-06 | BTIG | Buy (reit) |
| 2026-04-09 | BTIG | Buy (reit) |
| 2026-03-26 | Mizuho | Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UPST | Upstart Holdings, Inc. | 3/9 | — | 57.6 | +64% |
| XYF | X Financial | 5/9 | — | — | +35.8% |
| OPRT | Oportun Financial Corp | 4/9 | — | 10.4 | -4.5% |
| MARA | MARA Holdings, Inc. | 2/9 | -0.64 | — | +38.2% |
| JFIN | Jiayin Group Inc. | 3/9 | 6.18 | — | +12% |
| WD | Walker & Dunlop, Inc. | 1/9 | — | 31.6 | +9% |
| PGY | Pagaya Technologies Ltd. | 5/9 | — | 16.2 | +26.1% |
All Finance, Insurance & Real Estate companies →
About Upstart Holdings, Inc.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
FAQ
Is UPST financially healthy?
Upstart Holdings, Inc.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does UPST pay a dividend?
No, Upstart Holdings, Inc. does not currently pay a dividend.
How profitable is UPST?
In FY2025, Upstart Holdings, Inc. had a net margin of 5.1% and a return on equity of 6.7%.
What is UPST's P/E ratio?
Upstart Holdings, Inc.'s trailing price-to-earnings (P/E) ratio is about 57.6×, based on its latest annual earnings.
What is the analyst price target for UPST?
The average Wall-Street price target for Upstart Holdings, Inc. is $40.13, about 37.9% above the recent price, from 15 analysts (consensus: buy).
Is UPST a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Upstart Holdings, Inc.: a Piotroski F-score of 3/9, a P/E of about 57.6×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.