Natalia Mirgorodskaya Sells 633 Shares of Upstart (NASDAQ:UPST) Stock

Upstart Holdings, Inc. (NASDAQ:UPST) insider Natalia Mirgorodskaya sold 633 shares of the firm’s stock in a transaction that occurred on Friday, February 20th. The stock was sold at an average price of $29.90, for a total value of $18,926.70. Following the completion of the sale, the insider directly owned 26,155 shares in the company, valued at approximately $782,034.50. This trade represents a 2.36% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is accessible through this hyperlink.

Upstart Trading Up 3.2%

UPST traded up $0.88 during trading on Tuesday, reaching $28.14. 4,251,041 shares of the company were exchanged, compared to its average volume of 5,279,858. Upstart Holdings, Inc. has a 52 week low of $26.80 and a 52 week high of $87.30. The firm has a 50 day moving average of $42.52 and a 200 day moving average of $49.84. The stock has a market cap of $2.76 billion, a P/E ratio of 67.00, a PEG ratio of 0.76 and a beta of 2.38.

Upstart (NASDAQ:UPST) last posted its earnings results on Tuesday, February 10th. The company reported $0.17 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.15 by $0.02. The company had revenue of $296.09 million for the quarter, compared to analysts’ expectations of $288.54 million. Upstart had a return on equity of 6.30% and a net margin of 5.13%.The firm’s quarterly revenue was up 35.2% compared to the same quarter last year. During the same period last year, the business posted $0.26 earnings per share. As a group, analysts forecast that Upstart Holdings, Inc. will post -0.03 earnings per share for the current fiscal year.

Upstart declared that its board has approved a stock repurchase program on Thursday, February 19th that permits the company to repurchase $100.00 million in shares. This repurchase authorization permits the company to reacquire up to 3.2% of its stock through open market purchases. Stock repurchase programs are often an indication that the company’s management believes its shares are undervalued.

Wall Street Analyst Weigh In

Several equities analysts have recently issued reports on the company. Citigroup downgraded Upstart from a “buy” rating to a “strong sell” rating in a research report on Friday, February 13th. Weiss Ratings reaffirmed a “sell (d+)” rating on shares of Upstart in a research note on Monday, December 29th. Bank of America reduced their price target on Upstart from $81.00 to $71.00 and set a “neutral” rating for the company in a research report on Wednesday, November 5th. JPMorgan Chase & Co. lowered their price target on Upstart from $88.00 to $65.00 and set an “overweight” rating on the stock in a report on Wednesday, November 5th. Finally, Compass Point upgraded shares of Upstart from a “sell” rating to a “neutral” rating and lifted their price objective for the company from $20.00 to $30.00 in a research note on Tuesday, February 17th. Four research analysts have rated the stock with a Buy rating, seven have assigned a Hold rating and four have issued a Sell rating to the company’s stock. According to data from MarketBeat, Upstart currently has an average rating of “Hold” and a consensus target price of $49.50.

Institutional Inflows and Outflows

A number of hedge funds have recently bought and sold shares of UPST. Prudential Financial Inc. lifted its position in shares of Upstart by 1,116.8% during the 2nd quarter. Prudential Financial Inc. now owns 89,675 shares of the company’s stock valued at $5,800,000 after acquiring an additional 82,305 shares during the last quarter. Sierra Summit Advisors LLC acquired a new position in shares of Upstart in the 2nd quarter worth $991,000. Tableaux LLC acquired a new stake in shares of Upstart during the second quarter worth $2,587,000. Sepio Capital LP lifted its holdings in shares of Upstart by 42.0% during the second quarter. Sepio Capital LP now owns 256,102 shares of the company’s stock valued at $16,565,000 after purchasing an additional 75,802 shares during the last quarter. Finally, Hillsdale Investment Management Inc. boosted its position in shares of Upstart by 31.0% in the 2nd quarter. Hillsdale Investment Management Inc. now owns 89,440 shares of the company’s stock valued at $5,785,000 after purchasing an additional 21,140 shares during the period. 63.01% of the stock is owned by institutional investors and hedge funds.

Upstart Company Profile

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non‐traditional data points—such as education, employment history and other real‐time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.