Upstart (UPST) to Release Earnings on Tuesday

Upstart (NASDAQ:UPST) is projected to issue its Q2 2026 results after the market closes on Tuesday, August 4th. Analysts expect the company to post earnings of $0.1904 per share and revenue of $352.2910 million for the quarter. Interested persons are encouraged to explore the company’s upcoming Q2 2026 earning report for the latest details on the call scheduled for Tuesday, August 4, 2026 at 4:30 PM ET.

Upstart (NASDAQ:UPST) last issued its quarterly earnings results on Tuesday, May 5th. The company reported ($0.07) EPS for the quarter, missing analysts’ consensus estimates of $0.39 by ($0.46). The firm had revenue of $308.21 million during the quarter, compared to the consensus estimate of $301.30 million. Upstart had a net margin of 4.34% and a return on equity of 5.63%. The business’s revenue for the quarter was up 44.3% on a year-over-year basis. During the same quarter last year, the firm earned $0.30 earnings per share. On average, analysts expect Upstart to post $1 EPS for the current fiscal year and $2 EPS for the next fiscal year.

Upstart Stock Performance

NASDAQ:UPST opened at $27.44 on Monday. The company has a market cap of $2.63 billion, a PE ratio of 72.21, a PEG ratio of 0.73 and a beta of 2.29. Upstart has a 52-week low of $23.97 and a 52-week high of $87.30. The stock has a 50-day simple moving average of $31.30 and a 200 day simple moving average of $31.81.

Analyst Upgrades and Downgrades

Several brokerages have recently weighed in on UPST. Citigroup decreased their price target on shares of Upstart from $80.00 to $61.00 and set a “buy” rating for the company in a research note on Wednesday, July 22nd. Jefferies Financial Group reissued a “hold” rating and issued a $30.00 price objective on shares of Upstart in a research report on Tuesday, June 9th. The Goldman Sachs Group increased their target price on shares of Upstart from $32.00 to $39.00 and gave the stock a “neutral” rating in a report on Thursday, July 9th. Needham & Company LLC raised their target price on shares of Upstart from $37.00 to $40.00 and gave the company a “buy” rating in a research report on Tuesday, July 7th. Finally, Zacks Research upgraded shares of Upstart from a “strong sell” rating to a “hold” rating in a research note on Monday, April 13th. Eight investment analysts have rated the stock with a Buy rating, seven have issued a Hold rating and two have given a Sell rating to the stock. According to data from MarketBeat.com, Upstart currently has a consensus rating of “Hold” and a consensus target price of $43.93.

Insider Activity

In other Upstart news, insider Sanjay Datta sold 15,000 shares of the firm’s stock in a transaction that occurred on Tuesday, June 9th. The stock was sold at an average price of $30.41, for a total value of $456,150.00. Following the completion of the transaction, the insider directly owned 313,556 shares in the company, valued at $9,535,237.96. This trade represents a 4.57% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available through this link. Also, Director Dave Girouard purchased 170,240 shares of the stock in a transaction on Thursday, May 7th. The shares were bought at an average cost of $29.37 per share, for a total transaction of $4,999,948.80. Following the transaction, the director directly owned 8,512,941 shares in the company, valued at approximately $250,025,077.17. The trade was a 2.04% increase in their ownership of the stock. The SEC filing for this purchase provides additional information. In the last ninety days, insiders sold 33,346 shares of company stock valued at $991,672. Corporate insiders own 17.29% of the company’s stock.

Hedge Funds Weigh In On Upstart

Several hedge funds and other institutional investors have recently made changes to their positions in the company. Quarry LP raised its position in Upstart by 749.2% during the third quarter. Quarry LP now owns 501 shares of the company’s stock worth $25,000 after acquiring an additional 442 shares in the last quarter. Northwestern Mutual Wealth Management Co. grew its position in shares of Upstart by 132.2% in the 3rd quarter. Northwestern Mutual Wealth Management Co. now owns 771 shares of the company’s stock valued at $39,000 after acquiring an additional 439 shares during the period. Empowered Funds LLC bought a new position in shares of Upstart in the 4th quarter valued at about $40,000. State of Wyoming acquired a new position in shares of Upstart during the 2nd quarter worth about $61,000. Finally, Daiwa Securities Group Inc. increased its stake in shares of Upstart by 29.1% during the 2nd quarter. Daiwa Securities Group Inc. now owns 1,068 shares of the company’s stock worth $69,000 after purchasing an additional 241 shares during the last quarter. 63.01% of the stock is owned by institutional investors.

Upstart Company Profile

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.