Upstart (UPST) Stock
AI lending platform connecting borrowers with bank partners. Here's the price, business snapshot, and what's worth knowing about Upstart in August 2026.
Upstart Holdings (UPST) operates a technology-driven lending platform that connects borrowers with banks and also offers loans it holds on balance sheet. The company uses machine-learning models to assess creditworthiness and prize underwriting signals beyond traditional FICO scores, aiming to increase approval rates while managing default risk. Revenue derives from origination and servicing fees, interest income on held loans and platform fees from bank partners. Investors should note sensitivity to credit cycles, model performance and data drift, funding costs, and potential regulatory scrutiny around algorithmic lending. Upstart has experienced periods of rapid growth and volatility; future profit depends on charge-offs, loan volumes and funding conditions. This is general educational information, not personalised advice — values can fall as well as rise and past performance is not a guide to the future.
Sixth Month Growth Performance
Stock Performance Snapshot
Analyst Rating
Analysts encourage buying Upstart's stock, expecting it to reach a higher price in the future.
Financial Health
Upstart is generating solid revenue and cash flow, with a strong gross margin indicating efficient operations.
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Why You’ll Want to Watch This Stock
AI Credit Modelling
Upstart's machine-learning models aim to identify credit-worthy borrowers beyond FICO, which can boost approvals — though model accuracy can change over time.
Revenue Sensitivity
Profits depend on loan volumes, net charge-offs and funding costs; revenues can rise quickly in expansion but fall in tightening credit conditions.
Regulation & Cycle Risk
Algorithmic underwriting faces regulatory scrutiny and results are cyclical; consider these risks alongside growth opportunities.
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