Upstart Holdings Inc (NASDAQ: UPST) has a price-to-earnings ratio that is above its average at 76.98x. The stock has a 36-month beta value of 2.39. Opinions on the stock are mixed, with 5 analysts rating it as a “buy”, 3 as “overweight”, 6 as “hold”, and 2 as “sell”.
The public float for UPST is 84.70M, and at present, short sellers hold a 26.97% of that float. On February 12, 2026, the average trading volume of UPST was 4.52M shares.
UPST stock’s latest price update
The stock of Upstart Holdings Inc (NASDAQ: UPST) has decreased by -15.04% when compared to last closing price of $38.96. Despite this, the company has experienced a -12.71% fall in its stock price over the last five trading sessions. fool.com reported 2026-02-11 that Technically speaking, Upstart fell short of some quarterly estimates. On balance, however, most of the comparisons and the guidance the company is still offering are bullish.
UPST’s Market Performance
UPST’s stock has fallen by -12.71% in the past week, with a monthly drop of -26.85% and a quarterly drop of -14.62%. The volatility ratio for the week is 9.19% while the volatility levels for the last 30 days are 5.97% for Upstart Holdings Inc The simple moving average for the past 20 days is -21.17% for UPST’s stock, with a -39.68% simple moving average for the past 200 days.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with Truist repeating the rating for UPST by listing it as a “Buy”. The predicted price for UPST in the upcoming period, according to Truist is $59 based on the research report published on January 06, 2026 of the current year 2026.
JP Morgan, on the other hand, stated in their research note that they expect to see UPST reach a price target of $88. The rating they have provided for UPST stocks is “Overweight” according to the report published on August 20th, 2025.
Piper Sandler gave a rating of “Overweight” to UPST, setting the target price at $75 in the report published on June 24th of the previous year.
UPST Trading at -26.69% from the 50-Day Moving Average
After a stumble in the market that brought UPST to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -65.67% of loss for the given period.
Volatility was left at 5.97%, however, over the last 30 days, the volatility rate increased by 9.19%.
Insider Trading
Reports are indicating that there were more than several insider trading activities at UPST starting from Darling Scott, who sold 1,000 shares at the price of $50.00 back on Jan 05 ’26. After this action, Darling Scott now owns 17,435 shares of Upstart Holdings Inc, valued at $50,000 using the latest closing price.
Stock Fundamentals for UPST
Current profitability levels for the company are sitting at:
- 0.04% for the present operating margin
- 0.67% for the gross margin
The net margin for Upstart Holdings Inc stands at 0.05%. The total capital return value is set at 0.02%. Equity return is now at value 7.49%, with 2.01% for asset returns.
Currently, EBITDA for the company is $42.63 million with net debt to EBITDA at -8.94. When we switch over and look at the enterprise to sales, we see a ratio of 2.46. The liquidity ratio also appears to be rather interesting for investors as it stands at 3.95.
Conclusion
To sum up, Upstart Holdings Inc (UPST) has seen a bad performance recently. Analysts have differing views on the stock, with some seeing it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.