Upstart (UPST) Projected to Post Quarterly Earnings on Tuesday

Upstart (NASDAQ:UPST) is anticipated to issue its Q4 2025 results after the market closes on Tuesday, February 10th. Analysts expect the company to announce earnings of $0.47 per share and revenue of $288.5350 million for the quarter. Investors can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Tuesday, February 10, 2026 at 4:30 PM ET.

Upstart Stock Up 10.5%

Shares of UPST stock opened at $38.24 on Monday. The business’s fifty day moving average is $45.72 and its 200 day moving average is $53.52. The stock has a market cap of $3.72 billion, a price-to-earnings ratio of 173.83 and a beta of 2.38. Upstart has a twelve month low of $31.40 and a twelve month high of $96.43.

Analysts Set New Price Targets

Several research analysts recently issued reports on the stock. BTIG Research reiterated a “neutral” rating on shares of Upstart in a research note on Wednesday, November 5th. Stephens cut their price objective on shares of Upstart from $55.00 to $40.00 and set an “equal weight” rating on the stock in a report on Wednesday, November 5th. Morgan Stanley set a $45.00 target price on shares of Upstart in a research note on Wednesday, November 5th. Bank of America lowered their target price on shares of Upstart from $81.00 to $71.00 and set a “neutral” rating for the company in a report on Wednesday, November 5th. Finally, The Goldman Sachs Group restated a “sell” rating and issued a $40.00 price target on shares of Upstart in a research note on Thursday, November 6th. Six analysts have rated the stock with a Buy rating, five have given a Hold rating and two have assigned a Sell rating to the company’s stock. Based on data from MarketBeat, the stock currently has a consensus rating of “Hold” and an average target price of $60.36.

Insider Activity

In other Upstart news, CTO Paul Gu acquired 100,000 shares of the stock in a transaction that occurred on Tuesday, November 11th. The shares were acquired at an average cost of $39.23 per share, with a total value of $3,923,000.00. Following the transaction, the chief technology officer owned 80,000 shares of the company’s stock, valued at $3,138,400. The trade was a -500.00% increase in their position. The transaction was disclosed in a filing with the SEC, which can be accessed through this link. Also, Director Kerry Whorton Cooper sold 1,500 shares of the stock in a transaction on Friday, December 12th. The shares were sold at an average price of $50.00, for a total value of $75,000.00. Following the sale, the director owned 23,934 shares in the company, valued at approximately $1,196,700. This represents a 5.90% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last three months, insiders have sold 16,707 shares of company stock worth $633,080. Corporate insiders own 16.67% of the company’s stock.

Institutional Inflows and Outflows

A number of hedge funds and other institutional investors have recently modified their holdings of the business. CIBC Bancorp USA Inc. bought a new stake in Upstart in the 3rd quarter worth about $456,000. XTX Topco Ltd bought a new position in Upstart during the 3rd quarter valued at about $532,000. Virtus Advisers LLC boosted its holdings in shares of Upstart by 211.5% during the 3rd quarter. Virtus Advisers LLC now owns 5,670 shares of the company’s stock valued at $288,000 after acquiring an additional 3,850 shares during the last quarter. Voloridge Investment Management LLC boosted its holdings in shares of Upstart by 79.8% during the 3rd quarter. Voloridge Investment Management LLC now owns 970,306 shares of the company’s stock valued at $49,292,000 after acquiring an additional 430,535 shares during the last quarter. Finally, Wexford Capital LP bought a new stake in shares of Upstart in the third quarter worth approximately $77,000. 63.01% of the stock is owned by institutional investors.

About Upstart

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non‐traditional data points—such as education, employment history and other real‐time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.