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Upstart Holdings, Inc. (UPST) Stock Dips While Market Gains: Key Facts

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Upstart Holdings, Inc. (UPST - Free Report) closed the most recent trading day at $23.25, moving -1.32% from the previous trading session. This move lagged the S&P 500's daily gain of 0.41%. At the same time, the Dow lost 0.07%, and the tech-heavy Nasdaq gained 1.11%.

The company's stock has dropped by 5.76% in the past month, falling short of the Finance sector's loss of 1.68% and the S&P 500's gain of 1.46%.

The upcoming earnings release of Upstart Holdings, Inc. will be of great interest to investors. The company's earnings report is expected on November 3, 2026. The company's earnings per share (EPS) are projected to be $0.6, reflecting a 15.38% increase from the same quarter last year. In the meantime, our current consensus estimate forecasts the revenue to be $364.63 million, indicating a 31.58% growth compared to the corresponding quarter of the prior year.

UPST's full-year Zacks Consensus Estimates are calling for earnings of $2.2 per share and revenue of $1.42 billion. These results would represent year-over-year changes of +26.44% and +36%, respectively.

Any recent changes to analyst estimates for Upstart Holdings, Inc. should also be noted by investors. These revisions typically reflect the latest short-term business trends, which can change frequently. Consequently, upward revisions in estimates express analysts' positivity towards the business operations and its ability to generate profits.

Based on our research, we believe these estimate revisions are directly related to near-term stock moves. To benefit from this, we have developed the Zacks Rank, a proprietary model which takes these estimate changes into account and provides an actionable rating system.

The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. The Zacks Consensus EPS estimate remained stagnant within the past month. As of now, Upstart Holdings, Inc. holds a Zacks Rank of #3 (Hold).

In the context of valuation, Upstart Holdings, Inc. is at present trading with a Forward P/E ratio of 10.71. Its industry sports an average Forward P/E of 10.82, so one might conclude that Upstart Holdings, Inc. is trading at a discount comparatively.

Investors should also note that UPST has a PEG ratio of 0.27 right now. The PEG ratio bears resemblance to the frequently used P/E ratio, but this parameter also includes the company's expected earnings growth trajectory. Financial - Miscellaneous Services stocks are, on average, holding a PEG ratio of 0.86 based on yesterday's closing prices.

The Financial - Miscellaneous Services industry is part of the Finance sector. Currently, this industry holds a Zacks Industry Rank of 161, positioning it in the bottom 35% of all 250+ industries.

The Zacks Industry Rank gauges the strength of our industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.

Don't forget to use Zacks.com to keep track of all these stock-moving metrics, and others, in the upcoming trading sessions.

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