Upstart (UPST) Set to Post Earnings on Tuesday

Upstart (NASDAQ:UPST) will likely be announcing its Q3 2026 results after the market closes on Tuesday, November 3rd. Analysts expect Upstart to post earnings of $0.2065 per share and revenue of $365.18 million for the quarter. Parties are encouraged to explore the company’s upcoming Q3 2026 earnings results page for the latest details on the call scheduled for Tuesday, November 3, 2026 at 8:00 AM ET.

Upstart (NASDAQ:UPST) last released its earnings results on Tuesday, August 4th. The company reported $0.16 EPS for the quarter, missing the consensus estimate of $0.18 by ($0.02). Upstart had a net margin of 4.84% and a return on equity of 7.13%. The company had revenue of $364.71 million for the quarter, compared to analyst estimates of $354.74 million. During the same period in the previous year, the business posted $0.36 EPS. The firm’s quarterly revenue was up 41.9% on a year-over-year basis. On average, analysts expect Upstart to post $0.72 EPS for the current fiscal year and $1.74 EPS for the next fiscal year.

Upstart Trading Down 3.3%

UPST stock opened at $23.00 on Tuesday. Upstart has a 52 week low of $22.21 and a 52 week high of $54.50. The company has a market capitalization of $2.24 billion, a price-to-earnings ratio of 46.94, a price-to-earnings-growth ratio of 0.84 and a beta of 2.43. The firm’s 50-day moving average is $25.78 and its two-hundred day moving average is $30.52.

Wall Street Analyst Weigh In

Several brokerages recently commented on UPST. The Goldman Sachs Group dropped their target price on Upstart from $39.00 to $28.00 and set a “neutral” rating on the stock in a report on Tuesday, October 13th. Citigroup reaffirmed a “market underperform” rating on shares of Upstart in a research note on Thursday, October 15th. Needham & Company LLC reiterated a “buy” rating and set a $42.00 price target on shares of Upstart in a research report on Tuesday, October 6th. Weiss Ratings downgraded Upstart from a “hold (c-)” rating to a “sell (d+)” rating in a research note on Monday, September 28th. Finally, Wall Street Zen upgraded Upstart from a “sell” rating to a “hold” rating in a report on Saturday, August 8th. Seven equities research analysts have rated the stock with a Buy rating, seven have issued a Hold rating and three have issued a Sell rating to the company’s stock. Based on data from MarketBeat.com, the company currently has a consensus rating of “Hold” and a consensus price target of $42.94.

Insider Buying and Selling at Upstart

In other Upstart news, CEO Paul Gu purchased 50,000 shares of the firm’s stock in a transaction on Thursday, September 10th. The shares were purchased at an average price of $25.55 per share, for a total transaction of $1,277,500.00. Following the completion of the transaction, the chief executive officer owned 130,000 shares in the company, valued at $3,321,500. This represents a 62.50% increase in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, insider Natalia Mirgorodskaya sold 913 shares of the company’s stock in a transaction on Tuesday, August 25th. The shares were sold at an average price of $30.03, for a total value of $27,417.39. Following the completion of the transaction, the insider directly owned 35,875 shares in the company, valued at $1,077,326.25. This represents a 2.48% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last ninety days, insiders have sold 148,652 shares of company stock worth $4,133,720. 17.29% of the stock is owned by corporate insiders.

Upstart Company Profile

Upstart Holdings, Inc (NASDAQ: UPST) operates an artificial intelligence-powered lending marketplace. Its platform connects consumers seeking credit with banks and credit unions, using data-driven underwriting models designed to evaluate applicants beyond traditional credit-score-based methods.

The company provides technology for several lending categories, including personal loans, automotive retail and refinance lending, home equity lines of credit, and small-dollar lending. Upstart’s platform supports financial institutions with application processing, risk assessment, loan origination, and related automation, while offering consumers a digital borrowing experience.

Founded in 2012, Upstart is headquartered in San Mateo, California, and primarily serves the United States.