UPST Stock Forecast 2025-2026
Distance to UPST Price Targets
UPST Price Momentum
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Latest UPST Stock Price Targets & Analyst Predictions
Based on our analysis of 18 Wall Street analysts, UPST has a neutral consensus with a median price target of $77.00 (ranging from $15.00 to $110.00). The overall analyst rating is Buy (6.8/10). Currently trading at $40.92, the median forecast implies a 88.2% upside. This outlook is supported by 6 Buy, 7 Hold, and 3 Sell ratings.
The most optimistic forecast comes from Ramsey El-Assal at Barclays, projecting a 168.8% upside. Conversely, the most conservative target is provided by Michael Ng at Goldman Sachs, suggesting a 63.3% downside.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
UPST Analyst Ratings
UPST Price Target Range
Latest UPST Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for UPST.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Apr 14, 2025 | Barclays | Ramsey El-Assal | Equal-Weight | Maintains | $42.00 |
| Feb 18, 2025 | Barclays | Ramsey El-Assal | Equal-Weight | Maintains | $93.00 |
| Feb 14, 2025 | Morgan Stanley | James Faucette | Equal-Weight | Upgrade | $70.00 |
| Feb 13, 2025 | Citigroup | Peter Christiansen | Buy | Maintains | $108.00 |
| Feb 12, 2025 | Goldman Sachs | Michael Ng | Sell | Maintains | $15.00 |
| Feb 12, 2025 | B of A Securities | Nat Schindler | Underperform | Maintains | $39.00 |
| Feb 12, 2025 | Needham | Kyle Peterson | Buy | Maintains | $108.00 |
| Feb 12, 2025 | JP Morgan | Reginald Smith | Neutral | Upgrade | $79.00 |
| Feb 12, 2025 | Piper Sandler | Arvind Ramnani | Overweight | Reiterates | $105.00 |
| Feb 12, 2025 | B. Riley Securities | Hal Goetsch | Buy | Upgrade | $105.00 |
| Dec 13, 2024 | Needham | Kyle Peterson | Buy | Upgrade | $100.00 |
| Dec 3, 2024 | Redburn Atlantic | Simon Clinch | Buy | Upgrade | $95.00 |
| Dec 2, 2024 | JP Morgan | Reginald Smith | Underweight | Downgrade | $57.00 |
| Nov 11, 2024 | BTIG | Vincent Caintic | Neutral | Upgrade | $0.00 |
| Nov 8, 2024 | Citigroup | Peter Christiansen | Buy | Upgrade | $87.00 |
| Nov 8, 2024 | Wedbush | David Chiaverini | Neutral | Maintains | $60.00 |
| Nov 8, 2024 | Piper Sandler | Arvind Ramnani | Overweight | Upgrade | $85.00 |
| Nov 8, 2024 | JP Morgan | Reginald Smith | Neutral | Upgrade | $45.00 |
| Oct 19, 2024 | Citigroup | Neutral | Maintains | $0.00 | |
| Oct 14, 2024 | Wedbush | David Chiaverini | Neutral | Upgrade | $45.00 |
Upstart Holdings, Inc. (UPST) Competitors
The following stocks are similar to Upstart based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
Upstart Holdings, Inc. (UPST) Financial Data
Upstart Holdings, Inc. has a market capitalization of $3.89B with a P/E ratio of -28.4x. The company generates $676.96M in trailing twelve-month revenue with a -19.0% profit margin.
Revenue growth is +46.6% quarter-over-quarter, while maintaining an operating margin of +1.2% and return on equity of -20.3%.
Valuation Metrics
Growth & Margins
Financial Health
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Upstart Holdings, Inc. (UPST) Business Model
About Upstart Holdings, Inc.
AI-driven lending platform for personal loans.
The company operates an AI-driven lending platform that automates the borrowing process and assesses creditworthiness more accurately than traditional methods. It partners with banks and credit unions to facilitate personal loans, often offering competitive rates due to its innovative risk assessment capabilities.
Founded in 2012 and headquartered in San Mateo, California, Upstart Holdings aims to enhance access to credit for underserved individuals while optimizing lending processes for financial institutions. Its platform signifies the transformative potential of AI in the fintech industry.
Company Information
Sector
Financial Services
Industry
Credit Services
Employees
1,193
CEO
Mr. David J. Girouard
Country
United States
IPO Year
2020
Website
www.upstart.comUpstart Holdings, Inc. (UPST) Latest News & Analysis
First Commonwealth has partnered with Upstart to expand access to personal loans, enhancing their financial services offering.
First Commonwealth's partnership with Upstart enhances loan offerings, potentially increasing customer base and revenue, positively impacting stock performance and investor sentiment.
Upstart Holdings, Inc. (UPST) Increases Yet Falls Behind Market: What Investors Need to Know
7 days agoUpstart Holdings, Inc. (UPST) closed at $38.99, a gain of 1.14% from the previous trading session.
The slight increase in Upstart Holdings' stock price signals positive market sentiment, which may attract more investors and influence future trading activity.
Upstart (UPST) employs artificial intelligence technology to enhance its lending decision-making process.
Upstart's use of AI in lending can enhance efficiency and credit assessments, potentially leading to higher loan approval rates and profitability, impacting its stock performance.
Upstart (UPST) saw a rise in share price with above-average trading volume, but recent earnings estimate revisions indicate potential weakness ahead.
Upstart's share price surge indicates short-term market interest, but declining earnings estimates may signal potential long-term weakness, affecting investment decisions.
UPST and SOFI are key fintech companies. Investors are considering which stock may offer better investment potential.
The comparison between UPST and SOFI signals potential shifts in fintech performance, influencing investment strategies and portfolio allocations.
Upstart will announce its Q1 2025 financial results on May 6, 2025.
Upstart's upcoming Q1 2025 results announcement may signal its financial health and growth trajectory, impacting stock performance and investor sentiment.
Frequently Asked Questions About UPST Stock
What is Upstart Holdings, Inc.'s (UPST) stock forecast for 2025?
Based on our analysis of 18 Wall Street analysts, Upstart Holdings, Inc. (UPST) has a median price target of $77.00. The highest price target is $110.00 and the lowest is $15.00.
Is UPST stock a good investment in 2025?
According to current analyst ratings, UPST has 6 Buy ratings, 7 Hold ratings, and 3 Sell ratings. The stock is currently trading at $40.92. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for UPST stock?
Wall Street analysts predict UPST stock could reach $77.00 in the next 12 months. This represents a 88.2% increase from the current price of $40.92. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Upstart Holdings, Inc.'s business model?
The company operates an AI-driven lending platform that automates the borrowing process and assesses creditworthiness more accurately than traditional methods. It partners with banks and credit unions to facilitate personal loans, often offering competitive rates due to its innovative risk assessment capabilities.
What is the highest forecasted price for UPST Upstart Holdings, Inc.?
The highest price target for UPST is $110.00 from Ramsey El-Assal at Barclays, which represents a 168.8% increase from the current price of $40.92.
What is the lowest forecasted price for UPST Upstart Holdings, Inc.?
The lowest price target for UPST is $15.00 from Michael Ng at Goldman Sachs, which represents a -63.3% decrease from the current price of $40.92.
What is the overall UPST consensus from analysts for Upstart Holdings, Inc.?
The overall analyst consensus for UPST is neutral. Out of 18 Wall Street analysts, 6 rate it as Buy, 7 as Hold, and 3 as Sell, with a median price target of $77.00.
How accurate are UPST stock price projections?
Stock price projections, including those for Upstart Holdings, Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.