UPST today
$19.71+$0.57 (+2.95%)close Nov 13, 2026Trend
DailyDowntrend (confirmed)
4 hourStrong Bearish
1 hourBullish
15 minBullish
5 minStrong Bullish
Daily trend turns up above $24.90
Key levels
Resistance$22.89
Resistance$20.60
Support$18.29
Support$15.88
Latest news & SEC filings
SEC FilingUpstart Holdings, Inc. filed a report on a major company event (Form 8-K)
All UPST news →About Upstart
Upstart runs an artificial intelligence marketplace for lending that links borrowers with financial institutions and other funding sources. It handles personal loans without collateral, vehicle financing, and home equity credit lines, and sells software to car dealerships. Revenue comes from partner and investor fees plus servicing loans. Its operations are based in the United States.
Based on the company's 10-K filed Feb 10, 2026.
Nasdaq · Financial
Upstart Holdings, Inc. (UPST)
What Is the Price Target for UPST?
SEPT Low Target
$18.00
SEPT Mid Target
$37.00
SEPT High Target
$61.00
Analyst Consensus
$37.00
Is UPST a Buy or Sell Right Now?
Thesis
- •Revenue growing 64.0% YoY with ACCELERATING trend — accelerating momentum.
AI-Powered Trading Signals
Trained on trillions of real market data to read price action and give you a simple, emotionless trading strategy for UPST.
Start Free Trial →Is UPST Overvalued or Undervalued?
Valuation Verdict
OVERVALUED
Methods Used
P/E Forward, P/B, Analyst Consensus
Fair Value
$27.37
21
Moat Score
NONE
4/9
Piotroski Score
0.9
Altman Z-Score
What Is Smart Money Doing with UPST?
Insider Signal
SELLING
1 buys / 12 sells (90d)
Congress Signal
BUYING
1 buys / 3 sells (90d)
Institutional
N/A
Short Squeeze Risk
HIGH
Signal: HIGH_SHORT_INTEREST
Recent Insider Activity
| Name | Title | Type | Shares | Value | Date |
|---|---|---|---|---|---|
| Mirgorodskaya Natalia | officer | Buy | 3,650 | $8K | Nov 6, 2026 |
| Gu Paul | director officer | Buy | 50,000 | $1.3M | Sep 10, 2026 |
| Datta Sanjay | officer | Buy | 300,000 | $405K | Sep 8, 2026 |
| Datta Sanjay | officer | Sale | 116,000 | $3.2M | Sep 8, 2026 |
| Mirgorodskaya Natalia | officer | Sale | 913 | $27K | Aug 25, 2026 |
| Darling Scott | officer | Sale | 7,696 | $216K | Aug 20, 2026 |
| Mirgorodskaya Natalia | officer | Sale | 586 | $16K | Aug 20, 2026 |
| Datta Sanjay | officer | Sale | 8,945 | $251K | Aug 20, 2026 |
| Blankmeyer Andrea | officer | Sale | 3,000 | $88K | Aug 19, 2026 |
| Datta Sanjay | officer | Sale | 10,000 | $315K | Aug 19, 2026 |
Track Smart Money Across 4,000+ Stocks
Insider trades, congress trades, institutional flows, and short interest — updated daily with real-time alerts.
See All Smart Money Signals →UPST Growth Story
Revenue YoY
64.0%
3yr Revenue CAGR
7.4%
EPS Growth YoY
131.25%
FCF Growth YoY
-179.8%
Revenue Trend
ACCELERATING
Dark Pool Trades for UPST
PREVIEWSEPT Investing tracks real-time dark pool institutional trades for UPST, including block trade sizes, dollar values, and buy/sell side classification. Dark pool trades reveal where institutional investors are positioning before moves become visible on public exchanges.
| Time | Price | Size | Value | Side |
|---|---|---|---|---|
| 16:45:00 | $19.49 | 1,026 | $$20K | SELL |
| 16:38:07 | $19.36 | 1,000 | $$19K | SELL |
| 16:35:08 | $19.36 | 2,117 | $$41K | BUY |
| 16:34:39 | $19.32 | 1,500 | $$29K | BUY |
| 16:34:17 | $19.30 | 1,100 | $$21K | SELL |
5 dark pool trades shown · $$131K preview volume
Real-time institutional flow, block trades, and net positioning
Options Flow for UPST
PREVIEWSEPT Investing provides real-time options flow tracking for UPST, including unusual sweep detection, block trades, and dealer positioning. Each trade shows strike, expiry, premium, implied volatility, and greek values for informed decision-making.
| Type | Strike | Expiry | DTE | Premium | Size | Trade |
|---|---|---|---|---|---|---|
| CALL | $30 | Jan 21 | 434 | $$6600 | 20 | SWEEP |
| CALL | $30 | Jan 21 | 434 | $$660 | 2 | SWEEP |
| CALL | $30 | Jan 21 | 434 | $$330 | 1 | SWEEP |
| CALL | $30 | Jan 21 | 434 | $$3630 | 11 | SWEEP |
| CALL | $30 | Jan 21 | 434 | $$330 | 1 | SWEEP |
5 options trades shown · 100% calls
Unusual activity, GEX levels, max pain, and dealer positioning
Full AI Research Report
SEPT's Trading AI has generated a free, downloadable PDF research report for Upstart Holdings, Inc. (UPST) covering valuation analysis, financial health assessment, growth projections, smart money tracking, earnings and key price levels. For research only, not investment advice.
Report includes: PDF download, detailed valuation models (DCF, P/E, EV/EBITDA), institutional flow analysis, congress and insider trade tracking, FinBERT news sentiment (10 articles analyzed), and SEC filing intelligence...
AI-Powered Trading Signals.
Trained on trillions of real market data to read price action and give you a simple, emotionless trading strategy. SEPT tells you when to buy, when to sell, and grades every stock so you never trade blind.
Try SEPT Free for 7 Days →UPST — frequently asked questions
What is UPST stock price today?
Upstart Holdings, Inc. (UPST) is at $19.71, up 2.95% (+$0.57) at the Nov 13, 2026 close.
Why is UPST stock moving today?
Latest UPST news — Nov 9, 2026: Upstart Holdings, Inc. filed a report on a major company event (Form 8-K)
What is the UPST price target?
The average analyst price target for UPST is $37.00, ranging from $18 to $61, based on 8 analysts. Latest: Needham maintains on Nov 3, 2026.
What do analysts rate UPST?
Analyst ratings for UPST: 0 Buy, 14 Hold, 0 Sell — consensus Hold.
Did UPST beat earnings?
UPST last reported on Nov 3, 2026: EPS $0.33 vs $0.20 expected — a beat of 63.8%.
What is UPST's P/E ratio?
UPST trades at a P/E of 41.4 vs a Financial average of 12.1.
Does UPST pay a dividend?
UPST does not currently pay a dividend.
What are UPST support and resistance levels?
Support: $18.29, $15.88, $13.92. Resistance: $20.60, $22.89, $24.90.
What are insiders doing with UPST?
Insider activity: SELLING, 1 buys and 12 sells in the last 90 days.
What is the latest news on UPST?
Nov 9, 2026: Upstart Holdings, Inc. filed a report on a major company event (Form 8-K)