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UPST
Volume: 1.91M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 10 analyst ratings
Buy
Strong Buy 30%
Buy 20%
Hold 40%
Sell 0%
Strong Sell 10%

Bulls say

Upstart Holdings Inc. demonstrated substantial growth, with loan volumes increasing by 127.5% year-over-year to 428,056, driven by strong performance among near-prime borrowers and emerging product offerings. The company is projected to achieve revenue growth of 63% year-over-year in 2025, alongside a significant improvement in EBITDA margins, anticipated to rise from 20% to 30% by 2026, supported by over 90% automation in originations. Furthermore, Upstart's strategic focus on underwriting quality, enhanced by advancements in their artificial intelligence capabilities, positions the company to boost long-term profitability and sustain growth momentum.

Bears say

Upstart Holdings Inc reported third-quarter revenues and fourth-quarter guidance that fell short of forecasts, primarily due to conservative responses in its AI-powered risk models amid uncertain macroeconomic conditions, leading to a significant drop in conversion rates. Although the company saw a 30% quarter-over-quarter increase in applications without notable deterioration in consumer credit strength, the potential for higher loan loss rates could negatively impact investor demand and valuation of loans on Upstart's balance sheet. Additionally, the anticipated decline in contribution margins and a lowered revenue projection for the fourth quarter further signal concerns about the company's growth trajectory and market competitiveness.

Upstart Holdings (UPST) has been analyzed by 10 analysts, with a consensus rating of Buy. 30% of analysts recommend a Strong Buy, 20% recommend Buy, 40% suggest Holding, 0% advise Selling, and 10% 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 10 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Dec 30, 2025. 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 $64.40, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $64.40, 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)

Volume: 1.91M

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