Upstart Holdings, Inc. (UPST) shares recently declined 2.69%, significantly underperforming the broader market and extending a 29.78% monthly loss, despite the company's strong growth projections. Analysts forecast an 800% year-over-year EPS increase to $0.42 and a 73.32% revenue rise to $281.02 million for the upcoming November 4, 2025 earnings report, with full-year estimates also showing substantial growth. However, UPST trades at a forward P/E of 28.79, a premium to its industry's 12, and currently holds a Zacks Rank of #3 (Hold).
Upstart Holdings (UPST) recently closed at $46.50, marking a 2.69% daily decline that significantly lagged the broader market's gains. This extends a substantial monthly underperformance, with shares down 29.78% against a more modest 2.23% sector loss and a 0.71% S&P 500 gain. The investment community is now focused on the company's upcoming earnings report scheduled for November 4, 2025. Consensus estimates for the next quarter project robust growth, with EPS forecasted at $0.42, an 800% year-over-year increase, and revenue expected to climb 73.32% to $281.02 million. Full-year projections also indicate strong expansion, anticipating EPS of $1.66 (+930% YoY) and revenue of $963.44 million (+51.36% YoY). These figures suggest significant operational momentum. Despite these strong growth forecasts, UPST trades at a forward P/E of 28.79, a notable premium compared to its industry's average of 12. The Zacks Consensus EPS estimate has remained unchanged over the past month, contributing to the stock's current Zacks Rank of #3 (Hold), indicating a neutral near-term outlook. The Financial - Miscellaneous Services industry, where UPST operates, holds a favorable Zacks Industry Rank of 91, placing it in the top 37% of all industries.
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