Upstart Holdings, Inc., a company operating within the financial sector, serves as a holding entity with a focus on enhancing credit access through its cloud-based artificial intelligence lending platform. This platform is designed to reduce risks and costs for banking partners, positioning Upstart as a key player in the financial technology space. The company is publicly traded on the Nasdaq under the ticker symbol UPST.
As of the end of December 2025, Upstart Holdings reported no significant new developments. However, a notable event during this period was the announcement of a partnership with Tech CU on December 17, 2025. This collaboration involves Tech CU selecting Upstart’s platform for its personal loan and auto refinance services, underscoring the growing adoption of Upstart’s technology in the financial services industry.
Financially, Upstart Holdings’ stock exhibited notable volatility over the past year. The closing price on January 1, 2026, was $45.84. Throughout the trailing 52-week period, the stock reached a high of $96.43 on February 12, 2025, and a low of $31.40 on April 3, 2025. This range of $65.03 highlights the stock’s fluctuation over the year.
The company’s market capitalization stands at $4.25 billion USD, reflecting its valuation in the market. The price-to-earnings (P/E) ratio is reported at 149.25, indicating that the stock trades at a premium relative to its earnings. Additionally, the price-to-book (P/B) ratio is 5.996, further emphasizing the high valuation of Upstart Holdings in comparison to its book value.
These financial metrics suggest that investors have a strong confidence in Upstart’s growth potential and its strategic initiatives in the financial technology sector. The partnership with Tech CU is likely to bolster this confidence, as it demonstrates the practical application and demand for Upstart’s AI-driven lending solutions.
