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UPST
Volume: 3.63K

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 13 analyst ratings
Buy
Strong Buy 31%
Buy 23%
Hold 38%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings is a strong player in the credit services industry with a unique and innovative AI-based lending platform that sets them apart from their competitors. Despite slightly lower than expected originations in June, the company saw a 48% increase year-over-year, and their momentum in the market is strong. With a diverse product offering, including personal, auto, and home loans, Upstart is well-positioned for growth and has recently secured a $600 million forward flow agreement with Neuberger. Their pursuit of a bank charter is a key driver of our positive outlook, as it addresses potential downside risks and has the potential to increase EPS by 60% annually. With a strong financial profile and a discount to peers in terms of valuation, we view Upstart Holding's stock as a favorable investment opportunity for the long-term.

Bears say

Upstart Holdings is facing several challenges that could potentially impact its long-term profitability and growth. These include a potential plateau in transaction volume growth, increased pressure on the company's ability to profitability underwrite customers, and a focus on promoting profitable growth over growth at any cost. Additionally, the company's reliance on debt funding and its focus on personal loans make it susceptible to economic downturns and credit risk.

Upstart Holdings (UPST) has been analyzed by 13 analysts, with a consensus rating of Buy. 31% of analysts recommend a Strong Buy, 23% recommend Buy, 38% suggest Holding, 8% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Upstart Holdings and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Upstart Holdings (UPST) Forecast

Analysts have given Upstart Holdings (UPST) a Buy based on their latest research and market trends.

According to 13 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Sep 16, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $45.85, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $45.85, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Upstart Holdings (UPST)

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