Upstart Share Price (NASDAQ: UPST)

$73.29

▲

-0.47

(-0.64%)

Last updated on September 2, 2025 at 11:40 pm IST

$₹

Check the interactive Upstart Stock chart to analyse performance

Upstart stock performance

as on September 2, 2025 at 11:40 pm IST

Today's Low:$72.69
Today's High:$76.50
$73.29
0.82%
Downside
Day's Volatility :4.98%
Upside
4.2%
52 Weeks Low:$31.40
52 Weeks High:$96.43
$73.29
57.16%
Downside
52 Weeks Volatility :67.44%
Upside
24.0%

Upstart Stock Returns

Period	Upstart Holdings, Inc.	Sector (Financials)	Index (Russel 2000)
3 Months	43.74%	5.9%	0.0%
6 Months	23.66%	3.5%	0.0%
1 Year	91.53%	18.0%	0.0%
3 Years	198.74%	64.2%	-2.3%

Upstart Holdings, Inc. Key Stats

Check Upstart key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$73.28
Open	$76.05
Today's High	$72.71
Today's Low	$67.85
Market Capitalization	$7.1B
Today's Volume	$5.8M
52 Week High	$96.4294
52 Week Low	$31.4
Revenue TTM	$884.8M
EBITDA	$5.5M
Earnings Per Share (EPS)	$-0.05
Profit Margin	-0.72%
Quarterly Earnings Growth YOY	2.09%
Return On Equity TTM	-0.96%

Stock Returns calculator for Upstart Stock including INR - Dollar returns

The Upstart stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Upstart investment value today

Current value as on today

₹1,96,583

Returns

₹96,583

(+96.58%)

Returns from Upstart Stock

₹91,558 (+91.56%)

Dollar Returns*

₹5,026 (+5.03%)

Indian investors sentiment towards Upstart Stock

46.56%

Period: Aug 2, 2025 to Sep 1, 2025. Change in 30 Days versus previous period

Investment in Upstart Shares from India has grown by 46.56% over the past 30 days, indicating increased transactional activity.

61%

Period: Aug 2, 2025 to Sep 1, 2025. Change in 30 Days versus previous period

Search interest for Upstart Stock from India on INDmoney has increased by 61% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in Upstart Holdings, Inc.

Name
Holdings %
Name
Holdings %
Vanguard Group Inc
8.58%
BlackRock Inc
6.77%
State Street Corp
2.09%
Geode Capital Management, LLC
2.01%
Fred Alger Management, LLC
1.83%
Morgan Stanley - Brokerage Accounts
1.65%

Analyst Recommendation on Upstart Stock

Rating

Trend

Sell

0%Buy

40%Hold

60%Sell

Based on 20 Wall street analysts offering stock ratings for Upstart(by analysts ranked 0 to 5 stars)

Upstart Share Price Target

What analysts predicted

Upside of 10.31%

Target:

$80.85

Current:

$73.29

Upstart share price target is $80.85, a slight Upside of 10.31% compared to current price of $73.29 as per analysts' prediction.

Upstart Stock Insights

Price Movement
In the last 7 days, UPST stock has moved up by 6.4%
Increasing Revenue
Revenue is up for the last 5 quarters, 127.63M → 257.29M (in $), with an average increase of 15.8% per quarter
Increasing Net Profit
Netprofit is up for the last 6 quarters, -64.59M → 5.60M (in $), with an average increase of 205.2% per quarter

Upstart Holdings, Inc. Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$164.2M	↑ 65.32%
Net Income	$-5.0M	↓ 55.25%
Net Profit Margin	-3.06%	↑ 8.24%

	FY20	Y/Y Change
Revenue	$233.4M	↑ 42.16%
Net Income	$5.6M	↓ 211.14%
Net Profit Margin	2.39%	↑ 5.45%

	FY21	Y/Y Change
Revenue	$848.6M	↑ 263.55%
Net Income	$135.4M	↑ 2327.73%
Net Profit Margin	15.96%	↑ 13.57%

	FY22	Y/Y Change
Revenue	$842.4M	↓ 0.72%
Net Income	$-108.7M	↓ 180.23%
Net Profit Margin	-12.9%	↓ 28.86%

	FY23	Y/Y Change
Revenue	$508.1M	↓ 39.69%
Net Income	$-240.1M	↑ 120.98%
Net Profit Margin	-47.26%	↓ 34.36%

	FY24	Y/Y Change
Revenue	$628.8M	↑ 23.76%
Net Income	$-128.6M	↓ 46.45%
Net Profit Margin	-20.45%	↑ 26.81%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$127.8M	↓ 5.25%
Net Income	$-64.6M	↑ 52.36%
Net Profit Margin	-50.55%	↓ 19.11%

	Q2 FY24	Q/Q Change
Revenue	$127.6M	↓ 0.13%
Net Income	$-54.5M	↓ 15.68%
Net Profit Margin	-42.68%	↑ 7.87%

	Q3 FY24	Q/Q Change
Revenue	$162.1M	↑ 27.04%
Net Income	$-6.8M	↓ 87.59%
Net Profit Margin	-4.17%	↑ 38.51%

	Q4 FY24	Q/Q Change
Revenue	$211.3M	↑ 30.3%
Net Income	$-2.8M	↓ 59.23%
Net Profit Margin	-1.3%	↑ 2.87%

	Q1 FY25	Q/Q Change
Revenue	$220.4M	↑ 4.32%
Net Income	$-2.4M	↓ 11.18%
Net Profit Margin	-1.11%	↑ 0.19%

	Q2 FY25	Q/Q Change
Revenue	$257.3M	↑ 16.74%
Net Income	$5.6M	↓ 329.14%
Net Profit Margin	2.18%	↑ 3.29%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$139.2M	↑ 65.97%

	FY20	Y/Y Change
Profit	$195.8M	↑ 40.64%

	FY21	Y/Y Change
Profit	$731.0M	↑ 273.28%

	FY22	Y/Y Change
Profit	$654.5M	↓ 10.47%

	FY23	Y/Y Change
Profit	$508.1M	↓ 22.36%

	FY24	Y/Y Change
Profit	$628.8M	↑ 23.76%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Profit	$127.8M	↓ 5.25%

	Q2 FY24	Q/Q Change
Profit	$127.6M	↓ 0.13%

	Q3 FY24	Q/Q Change
Profit	$162.1M	↑ 27.04%

	Q4 FY24	Q/Q Change
Profit	$211.3M	↑ 30.3%

	Q1 FY25	Q/Q Change
Profit	$213.4M	↑ 0.99%

	Q2 FY25	Q/Q Change
Profit	$251.4M	↑ 17.85%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$31.6M	↓ 37.26%
Investing Cash Flow	$45.4M	↓ 133.11%
Financing Cash Flow	$-119.2M	↓ 187.79%

	FY20	Y/Y Change
Operating Cash Flow	$15.7M	↓ 50.3%
Investing Cash Flow	$136.5M	↑ 200.48%
Financing Cash Flow	$79.1M	↓ 166.32%

	FY21	Y/Y Change
Operating Cash Flow	$168.4M	↑ 972.52%
Investing Cash Flow	$-143.9M	↓ 205.39%
Financing Cash Flow	$855.4M	↑ 982.11%

	FY22	Y/Y Change
Operating Cash Flow	$-674.7M	↓ 500.75%
Investing Cash Flow	$-114.1M	↓ 20.68%
Financing Cash Flow	$130.0M	↓ 84.8%

	FY23	Y/Y Change
Operating Cash Flow	$-160.5M	↓ 76.21%
Investing Cash Flow	$-118.5M	↑ 3.79%
Financing Cash Flow	$214.3M	↑ 64.78%

	FY24	Y/Y Change
Operating Cash Flow	$186.3M	↓ 216.1%
Investing Cash Flow	$-237.7M	↑ 100.69%
Financing Cash Flow	$559.9M	↑ 161.29%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$52.6M	↓ 136.62%
Investing Cash Flow	$-37.5M	↑ 25.6%
Financing Cash Flow	$-43.7M	↓ 265.8%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$65.3M	↑ 24.08%
Investing Cash Flow	$-76.1M	↑ 102.68%
Financing Cash Flow	$132.3M	↓ 402.61%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$179.3M	↑ 174.66%
Investing Cash Flow	$-46.2M	↓ 39.33%
Financing Cash Flow	$-38.0M	↓ 128.74%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$-110.9M	↓ 161.85%
Investing Cash Flow	$-77.9M	↑ 68.74%
Financing Cash Flow	$509.3M	↓ 1439.6%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$-13.5M	↓ 87.84%
Investing Cash Flow	$-78.6M	↑ 0.85%
Financing Cash Flow	$-44.7M	↓ 108.77%

	Q2 FY25	Q/Q Change
Operating Cash Flow	$-120.2M	↑ 791.01%
Investing Cash Flow	$-109.8M	↑ 39.79%
Financing Cash Flow	$44.7M	↓ 200.0%

Upstart Technicals Summary

Sell

Neutral

Buy

Upstart is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Upstart Holdings, Inc. Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Upstart Holdings, Inc.	-11.53%	23.66%	91.53%	198.74%	148.66%
Bank Of America Corp.	10.67%	18.91%	24.67%	53.48%	97.74%
Walmart Inc.	-2.62%	2.12%	25.67%	119.84%	101.29%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Upstart Holdings, Inc.	18.01	NA	NA	1.65	-0.01	0.0	NA	7.51
Bank Of America Corp.	14.88	14.88	1.47	3.67	0.09	0.01	0.02	37.13
Walmart Inc.	36.6	36.6	3.73	2.49	0.23	0.07	0.01	11.3

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Upstart Holdings, Inc.	Sell	$7.1B	148.66%	18.01	-0.72%
Bank Of America Corp.	Buy	$375.8B	97.74%	14.88	28.51%
Walmart Inc.	Buy	$773.9B	101.29%	36.6	3.08%

About Upstart Holdings, Inc.

Upstart is a leading artificial intelligence (AI) lending platform that works with banks to increase access to affordable loans. Founded by ex-Google employees in 2012, Upstart is headquartered in San Mateo, California and Columbus, Ohio. More than two-thirds of Upstart's members are women. Upstart-powered banks may have higher approval rates and lower loss rates while delivering exceptional service. Loans are granted in a matter of seconds and are completely computerised. Upstart was one of the first companies to use artificial intelligence in the multibillion-dollar loan market. Upstart goes beyond the FICO score, employing non-traditional criteria at scale to improve loan performance and access to credit for individuals. To identify a potential borrower's creditworthiness, the lending company created an income and default prediction model. This means that, in addition to traditional underwriting criteria such as FICO scores, credit reports, and incomes, Upstart underwriting takes education variables into account. These include colleges attended, areas of study, GPAs, and standardised test scores. Upstart also considers a borrower’s work history to create a statistical model of their financial capacity and personal propensity to repay. While Upstart is now focused on the consumer sector in the United States, similar strategies can be used in any credit market. Currently Upstart Holdings, Inc. has a market cap of $3.83 Billion. It has a P.E ratio of -18.99. The shares of Upstart Holdings, Inc. are trading at $73.29. .

Organization	Upstart
Employees	1193
CEO	Mr. David J. Girouard
Industry	Financial

Key Management of Upstart Holdings, Inc.

Name	Title
Mr. David J. Girouard	Co-Founder, President, CEO & Chairperson of the Board
Mr. Paul Gu	Co-Founder, CTO & Director
Mr. Sanjay Datta CFA	Chief Financial Officer
Mr. Scott Darling Esq.	Chief Legal Officer & Corporate Secretary
Natalia Mirgorodskaya	Chief Accounting Officer
Ms. Sonya Banerjee	Head of Investor Relations
Ms. Annie Delgado	Chief Compliance Officer & Chief Risk Officer
Ms. Alice Berry	Senior Director of Treasury

Important FAQs about investing in UPST Stock from India :

What is Upstart share price today?

Upstart share price today is $73.29 as on September 2, 2025 at 11:40 pm IST at the close of the market. Upstart share today touched a day high of $76.50 and a low of $72.69.

What is the 52 week high and 52 week low for Upstart share?

Upstart share touched a 52 week high of $96.43 and a 52 week low of $31.40. Upstart stock price today i.e. September 2, 2025 at 11:40 pm IST is closed at $73.29, lower by 24% versus the 52 week high.

How to invest in Upstart Stock (UPST) from India?

Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
Step 2: Search for Upstart on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Upstart Shares that will get you 0.0205 shares as per Upstart share price of $73.29 per share as on September 2, 2025 at 11:40 pm IST.

What is the minimum amount required to buy Upstart Stock (UPST) from India?

Indian investors can start investing in Upstart (UPST) shares with as little as ₹88.148 or $1 (as of September 02, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹881.48 in Upstart stock (as per the Rupee-Dollar exchange rate as on September 02, 2025). Based on Upstart share’s latest price of $73.29 as on September 2, 2025 at 11:40 pm IST, you will get 0.1364 shares of Upstart. Learn more about fractional shares .

What are the returns that Upstart has given to Indian investors in the last 5 years?

Upstart stock has given 148.66% share price returns and 20.75% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?