upstart stock price — Full Guide
Upstart (UPST) — Stock price
As of 2026-01-25 the upstart stock price is a frequently tracked indicator for investors watching AI-driven consumer-lending platforms. This article explains what the upstart stock price represents, how it has moved since the IPO, which company and macro variables drive it, where to get reliable quotes, and practical considerations for tracking or researching UPST.
Company overview
Upstart Holdings, Inc. operates a cloud-based, AI-driven lending marketplace that connects borrowers and lenders. Founded to apply machine learning to credit decisioning, the company partners with banks and institutional lenders to originate personal loans and other credit products. Upstart is listed on the Nasdaq under the ticker symbol UPST; the market price per share is commonly referred to as the upstart stock price.
The company’s core value proposition is using alternative data and machine learning to assess borrower risk and price loans. Understanding the upstart stock price therefore requires attention to both financial results and lending performance metrics (originations, credit losses, approval rates), plus broader credit-market and interest-rate conditions.
Sources: Upstart investor relations; company filings and financial summaries reported by market data providers.
Market listing and ticker information
- Exchange and ticker: Upstart trades on the Nasdaq under ticker UPST; references to the upstart stock price in market outlets use that ticker.
- Trading hours: Regular U.S. market hours apply, with pre-market and after-hours trading sessions that can affect the upstart stock price outside regular hours.
- Shares outstanding and float: These are reported in quarterly filings and affect market capitalization and liquidity; changes (share issuance, buybacks) can move the upstart stock price.
Sources: Upstart regulatory filings and major market-data providers.
Real-time price and market data
When following the upstart stock price, typical real-time fields to watch include last trade price, bid/ask, day’s range, intraday volume, average daily volume, market capitalization, trailing and forward P/E (if applicable), EPS, beta, and option-implied metrics (volatility, open interest).
Common places to obtain live quotes and charts are major market-data platforms, real-time charting services, broker platforms, and the company’s investor relations tools. For execution or trading, retail and institutional platforms differ by data latency and execution routing; for research, platforms that provide historical charts, fundamental metrics, and filings are useful when interpreting the upstart stock price.
Note: Bitget offers market watch and charting tools where traders can monitor equity tickers and related instruments; use verified market data feeds for real-time accuracy.
Sources: Trading platforms and market-data providers aggregated by financial news services.
Historical price performance
This section summarizes how the upstart stock price has evolved since the company’s public listing, highlighting major phases and volatility drivers.
IPO and early years (2020–2021)
Upstart completed its initial public offering in late 2020. The IPO introduced UPST to public capital markets and set a public reference price that later served as a baseline for rapid appreciation as market enthusiasm for fintech and AI-driven models grew.
Early revenue growth and investor interest in data-driven lending contributed to a sharp rise in the upstart stock price through 2021 as markets priced in rapid originations growth and the potential for scale. Public attention to novel credit underwriting approaches helped buoy valuation multiples in the early post-IPO period.
Sources: Company IPO filings; financial news coverage from the IPO period.
All-time high and 2021 peak
During 2021 the upstart stock price reached its highest public levels as investors bid up shares on expectations of sustainable revenue growth and margin expansion. That peak reflected sector-wide enthusiasm for fintech names with perceived durable competitive advantages based on machine learning and alternative credit data.
Determining the specific all-time high and the exact date requires consulting a historical price source or charting service; these figures are useful for measuring drawdowns and long-term returns relative to the IPO price.
Sources: Historical price charts and market-data archives.
Downturns and recoveries (2022–present)
Like many growth-oriented, rate-sensitive technology and fintech companies, Upstart’s stock experienced periods of sharp declines when macro conditions shifted: higher interest rates, tightening consumer credit conditions, and episodic increases in delinquencies or charge-offs in lending portfolios. Those credit-cycle and macro funding changes have materially affected the upstart stock price in multi-quarter moves.
Recovery phases have been tied to company-level results that demonstrated resilient originations, improving credit metrics, or guidance that exceeded expectations. Announcements of new product lines, partnerships, or margin improvements have supported rebounds in the upstart stock price when accompanied by credible execution metrics.
Sources: Quarterly earnings releases; financial press summaries of market reactions to earnings and guidance.
52-week range and volatility
The upstart stock price commonly shows wide 52-week ranges and elevated volatility measures relative to larger, more diversified financial companies. Traders and investors track 52-week high and low levels to understand momentum, risk ranges, and potential technical support or resistance.
Volatility metrics—historical volatility from price returns and implied volatility from listed options—can vary sharply around earnings announcements and major credit reports. Short interest and option activity can amplify moves in the upstart stock price, especially on surprise news.
Sources: Charting services and options-data providers.
Key financial and valuation metrics affecting price
The upstart stock price is influenced by the same core company metrics investors use for lending platforms, with some specifics for AI-enabled marketplaces:
- Revenue growth: Faster origination volume and platform fees typically translate into higher revenue recognition. Consistent quarter-over-quarter growth supports higher valuations.
- Profitability and EPS: Operating margins, adjusted EPS, and progress toward consistent profitability directly affect valuation multiples and the upstart stock price.
- Loan performance: Net charge-offs, delinquency rates, and vintage performance of originated loans are critical. Worsening credit performance tends to pressure the upstart stock price.
- Capital and liquidity: Cash on the balance sheet, available credit facilities, and funding for forward-flow or warehouse facilities affect execution risk and thus valuation.
- Valuation multiples: P/E (when positive), P/S, and other multiples are used to benchmark the upstart stock price against peers and historical ranges. Shifts in expected long-term growth change acceptable multiples.
When analysts revise revenue or credit assumptions, the upstart stock price may react quickly; thus, monitoring both accounting metrics and credit KPIs is essential when interpreting price moves.
Sources: Company financial statements; analyst reports and financial-data aggregators.
Fundamental drivers and risks
Drivers that can push the upstart stock price higher include:
- Originations growth: Increased loan originations or expansion into adjacent products can lift revenue and investor expectations.
- Platform adoption: More lending partners or improved borrower conversion rates raise potential scale.
- Margin expansion: Cost efficiencies, better pricing, or improved loss performance increase earnings quality.
- Strategic partnerships and product launches: New distribution or product initiatives can raise long-term revenue visibility.
Material risks that can pressure the upstart stock price include:
- Rising delinquencies and credit losses: Unexpected deterioration in loan performance reduces earnings and increases capital needs.
- Regulatory or compliance changes: Consumer-lending rules or data/AI governance changes can impose new costs or constrain product practices.
- Funding constraints: Difficulty obtaining warehouse financing or wholesale funding for lenders on the platform can reduce originations.
- Competitive pressure: New entrants or incumbent banks deploying similar AI-based underwriting could affect market share.
Each of these factors has a direct mechanism to change revenue, costs, or investor sentiment and therefore to move the upstart stock price. Public filings, investor presentations, and earnings-call commentary are primary sources for assessing company-specific drivers and their likely impact.
Sources: Upstart investor disclosures; industry commentary.
Macro and industry factors
The upstart stock price is sensitive to broader macroeconomic and sector conditions:
- Interest rates: Rising rates affect loan demand, borrower affordability, and lending margins for partners. They also influence discount rates used in valuation, making upstart stock price movements rate-sensitive.
- Consumer credit trends: Employment, wage growth, and household balance-sheet health influence default expectations on recently originated loans and can shift the upstart stock price.
- Fintech sector sentiment: Periods of risk-on vs. risk-off in equity markets can cause correlated moves in fintech and growth stocks, including UPST.
- Regulation and policy: Changes affecting consumer finance, AI/ML use in credit, or data privacy can affect expected future cash flows and risk premia.
Macro shocks can amplify company-specific news; for that reason, investors monitoring the upstart stock price pay attention both to the company’s KPIs and to macro indicators such as benchmark rates and consumer-credit data releases.
Sources: Macro commentary from financial news outlets and central bank communications.
Analyst coverage and price targets
The upstart stock price often reacts to analyst upgrades, downgrades, and price-target revisions. Coverage typically ranges from bullish (emphasizing AI-driven upside) to cautious (highlighting credit-cycle sensitivity). Analysts publish target prices and use assumptions about originations, loss rates, and long-term margins to derive fair-value estimates.
When a diverse set of analysts moves their estimates in the same direction—upgrades after stronger-than-expected results or downgrades after loan-performance deterioration—the upstart stock price tends to follow, reflecting updated consensus expectations.
Investors should note the distribution of ratings (buy/hold/sell) and whether price-target revisions are accompanied by changed fundamental assumptions.
Sources: Broker research summaries, aggregated analyst data on market platforms.
Technical analysis and trading activity
Traders use several technical indicators to study the upstart stock price:
- Moving averages (50-day, 200-day) for trend identification.
- Support and resistance levels defined by prior highs and lows.
- Momentum indicators (RSI, MACD) to gauge overbought or oversold conditions.
- Volume patterns and breakout confirmations to validate moves.
Market microstructure signals—average daily volume, option open interest, and short interest—also impact intraday and short-term moves in the upstart stock price. High short interest can result in amplified rebounds on positive news, while heavy option positioning may increase implied volatility ahead of earnings.
Sources: Charting platforms and exchanges’ data on derivatives and short interest reports.
Notable corporate events affecting price
Earnings reports: Quarterly results and guidance are primary short-term drivers of the upstart stock price. Surprise beats or misses in originations, margins, or credit metrics typically produce immediate price reactions.
Investor-day presentations and strategic announcements: New product launches, partnerships, or business-model shifts that change long-term revenue mix can re-rate the upstart stock price.
Regulatory filings: Changes in disclosures about loan performance, litigation, or regulatory inquiries can create near-term volatility in the upstart stock price.
Share actions: Issuance, buybacks, or secondary offerings change the supply/demand picture for shares and may affect the upstart stock price.
Management changes: CEO, CFO, or other senior leadership changes affect perceived execution risk and can move the upstart stock price when they alter market confidence.
Sources: Company press releases, investor-relations announcements, and filing summaries.
How to track and obtain price data
For live tracking of the upstart stock price and related data, consider the following categories of sources:
- Real-time charting platforms and market-data services for intraday price, bid/ask spreads, and volume.
- Broker and trading platforms for execution-grade quotes and order entry.
- Company investor-relations pages for filings, earnings transcripts, and official presentations that provide authoritative context for the upstart stock price.
- Aggregated financial news services for earnings coverage, analyst notes, and sector commentary.
Practical tip: use multiple sources—one for real-time execution data and another for filings and long-form investor materials—so that you can reconcile short-term price moves in the upstart stock price with fundamental updates.
Bitget recommendation: For users already on Bitget, Bitget’s market watch and charting tools provide an integrated environment to monitor equities and related data feeds; pair that with investor-relations filings for due diligence.
Sources: Market-data providers and investor-relations resources.
Investing considerations
When evaluating the upstart stock price from an investment perspective, keep these considerations in mind:
- Time horizon: Short-term traders focus on volatility and technicals, while longer-term investors emphasize sustainable revenue growth, credit metrics, and path to profitability.
- Risk tolerance: The upstart stock price can exhibit large swings; position sizing and diversification are critical when exposure is tied to a single equity.
- Due diligence: Review quarterly filings, loan-performance data, and management commentary to understand trends beneath headline numbers that affect the upstart stock price.
- No investment advice disclaimer: This article provides informational context on the upstart stock price and related factors; it is not investment advice. Verify facts with primary filings and consult licensed advisors before making investment decisions.
Sources: General investment practice and company disclosures.
See also
- Upstart Holdings (company overview and filings)
- Fintech lending sector overview
- Consumer credit and credit-risk basics
- Comparable tickers in consumer lending and fintech for peer analysis
References
Assembled from public market-data providers and company disclosures. Specific reference sources referenced in this article include major charting and quote providers, financial news outlets, and Upstart investor-relations documents. Example sources used for verification and historical price charts: TradingView, Yahoo Finance, CNBC, Zacks, The Motley Fool, Macrotrends, Upstart investor relations, and trading-community channels.
Notable dated reporting examples used to provide time context within this article:
- As of 2026-01-25, price and intraday data are available from market-data services and the company’s investor relations updates.
- Historical IPO information and early performance are compiled from company filings and contemporaneous reporting from the IPO period in late 2020 and 2021.
(Readers should consult the primary sources listed above for the latest numeric values and timestamped quotes; this article avoids embedding live links but identifies authoritative sources by name.)
External resources
- Upstart investor relations and filings (official company disclosures)
- Real-time charting and quote platforms for the latest upstart stock price
- Bitget market watch and Bitget Wallet for integrated tracking and custody of related digital assets and research tools
Further exploration: use the company’s SEC filings and audited financial statements for exact shares outstanding, float, and balance-sheet items that determine market capitalization calculations used in deriving the upstart stock price.
Practical checklist to monitor the upstart stock price
- Watch quarterly origination volumes and credit metrics (delinquencies, net charge-offs).
- Track guidance changes and management commentary during earnings calls.
- Follow macro indicators: benchmark interest rates and consumer credit releases.
- Monitor analyst revisions and their stated assumptions (loss rates, growth rates).
- Check liquidity measures—average daily volume and option activity—before trading the upstart stock price.
- Use Bitget’s market tools to set alerts for significant moves and to keep investor-relations filings readily available.
Final notes and next steps
The upstart stock price reflects the intersection of company execution in AI-driven lending and broader credit and market conditions. For traders and investors, combining real-time price monitoring with careful review of originations, credit performance, and capital-position disclosures provides the best context for interpreting price moves. To track UPST live, use professional data feeds or Bitget’s market watch tools, and consult Upstart’s investor relations materials for primary documentation.
Further exploration: Explore Bitget’s educational resources and charting tools to set up customized alerts for the upstart stock price and related market-moving indicators.
Reporting notes: This article references major market-data providers for price and chart history and cites company disclosures for fundamentals. Where exact numeric values are required for decisions, consult the primary sources named in the References section and the company’s latest filings. The article is informational and explicitly not investment advice.
