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Upstart Holdings, Inc.

corporate_fare Company Profile

Upstart Holdings, Inc.

UPST·NASDAQ·Finance·CIK 0001647639

Upstart is an artificial intelligence (AI) lending marketplace established in 2012. The company uses proprietary AI models to streamline the lending process for Americans, supporting unsecured and secured credit products. These products include personal loans, auto loans, and home equity lines of credit (HELOCs). Upstart's platform applies AI to assess the true risk of a loan, a capability referred to as "risk separation." This approach aims to provide higher approval rates and lower interest rates compared to traditional lending methods, while offering predictable returns to its lending partners, which include banks and credit unions, and institutional investors. Beyond core underwriting, Upstart utilizes its AI models for income and identity verification, fraud detection, and identifying loan stacking behavior. The platform offers a digital-first experience with high levels of automation. In 2025, 91% of loans on the platform were fully automated, requiring no human intervention from Upstart.

Upstart Holdings, Inc. (NASDAQ:UPST) is a publicly traded company in the Finance sector. Wiseek has independently scored 17 items for UPST at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-10-20, rated 7/10. Across its 17 most recent items scored 7 or higher, the top rating is 8/10, with 11 rated 8 or above. Recent SEC coverage for UPST spans 8-K, 4, 10-Q, DEF 14A.

Recent high-impact activity:

  • Upstart Secures $200M MUFG Revolver to Fund Upstart Bank Capitalization
  • Upstart CEO Paul Gu Buys $1.28M of Stock at $25.55
  • President Sanjay Datta Sells $3.2M in Upstart Stock Near 52-Week Low
  • Upstart Q2 Revenue Jumps 42% on 50% Loan Origination Surge, Returns to GAAP Profitability
  • Upstart Reports Strong Q2 Profitability Turnaround, 42% Revenue Growth, and $100M Share Repurchase

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$1.04B
Net Income
$53.6M
Diluted EPS
$0.45
Op. Cash Flow
-$147.72M
Free Cash Flow
-$148.07M
Operating Income
$42.63M
Cash & Equivalents
$652.39M
Debt / Equity
0.00×
Net Margin
5.1%
Shares Outstanding
98.03M sh
Source: 10-K · filed 2026-02-10 · accession 0001647639-26-000027

Short Interest & Short Volume

6.41 days to cover

FINRA reported short interest of 26,885,428 shares in UPST as of the October 15, 2026 settlement, a 5.9% decrease from the prior period — about 6.4 days to cover at its recent average daily volume. On October 30, 2026, 50.9% of UPST volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)26,885,428 shares as of October 15, 2026
Change vs prior period▼ 5.9%
Days to cover6.41 at avg daily volume of 4,191,660
Daily short volume (FINRA facilities)50.9% of 1,527,359 shares on October 30, 2026
5-day average short volume46.0%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

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$23.05 +0.13% today
52-week range · as of 2026-10-20 $22.21 – $55.22
Market cap
$2.24B
Volume
4.3M (1.1× avg)
3-mo avg 4.1M
Live data · 2026-11-01 20:30 UTC · Market closed

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feed UPST - Latest Insights

UPST
Oct 20, 2026, 4:05 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $23.71
Real-time Price: $23.05 info
Change: -$0.660 (-3%) info
Market Cap: $2.24B info
UPST
Sep 10, 2026, 7:13 PM EDT
Filing Type: 4
Importance Score:
7
Price at Filing: $25.18
Real-time Price: $23.05 info
Change: -$2.13 (-8%) info
Market Cap: $2.24B info
UPST
Sep 10, 2026, 7:12 PM EDT
Filing Type: 4
Importance Score:
7
Price at Filing: $25.16
Real-time Price: $23.05 info
Change: -$2.11 (-8%) info
Market Cap: $2.24B info
UPST
Aug 04, 2026, 4:29 PM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $34.24
Real-time Price: $23.05 info
Change: -$11.19 (-33%) info
Market Cap: $2.24B info
UPST
Aug 04, 2026, 4:08 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $34.31
Real-time Price: $23.05 info
Change: -$11.26 (-33%) info
Market Cap: $2.24B info
UPST
May 20, 2026, 3:14 AM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $28.15
Real-time Price: $23.05 info
Change: -$5.10 (-18%) info
Market Cap: $2.24B info
UPST
May 19, 2026, 9:00 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $27.90
Real-time Price: $23.05 info
Change: -$4.85 (-17%) info
Market Cap: $2.24B info
UPST
May 06, 2026, 4:07 PM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $28.65
Real-time Price: $23.05 info
Change: -$5.60 (-20%) info
Market Cap: $2.24B info
UPST
May 05, 2026, 4:11 PM EDT
Source: Wiseek News
Importance Score:
8
Price at Filing: $28.02
Real-time Price: $23.05 info
Change: -$4.97 (-18%) info
Market Cap: $2.24B info
UPST
May 05, 2026, 4:08 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $26.75
Real-time Price: $23.05 info
Change: -$3.70 (-14%) info
Market Cap: $2.24B info
UPST
Apr 16, 2026, 4:05 PM EDT
Filing Type: DEF 14A
Importance Score:
8
Price at Filing: $32.89
Real-time Price: $23.05 info
Change: -$9.84 (-30%) info
Market Cap: $2.24B info
UPST
Mar 17, 2026, 9:25 AM EDT
Source: dpa-AFX
Importance Score:
8
Price at Filing: $28.52
Real-time Price: $23.05 info
Change: -$5.47 (-19%) info
Market Cap: $2.24B info
UPST
Mar 10, 2026, 4:06 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $28.20
Real-time Price: $23.05 info
Change: -$5.15 (-18%) info
Market Cap: $2.24B info
UPST
Feb 19, 2026, 7:55 AM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $31.45
Real-time Price: $23.05 info
Change: -$8.40 (-27%) info
Market Cap: $2.24B info
UPST
Feb 10, 2026, 4:08 PM EST
Filing Type: 10-K
Importance Score:
8
Price at Filing: $42.32
Real-time Price: $23.05 info
Change: -$19.27 (-46%) info
Market Cap: $2.24B info
UPST
Feb 10, 2026, 4:05 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $39.00
Real-time Price: $23.05 info
Change: -$15.95 (-41%) info
Market Cap: $2.24B info
UPST
Feb 10, 2026, 4:03 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $38.57
Real-time Price: $23.05 info
Change: -$15.52 (-40%) info
Market Cap: $2.24B info
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