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UPST
Volume: 2.92M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 12 analyst ratings
Buy
Strong Buy 33%
Buy 25%
Hold 33%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings is a financial technology company that offers credit services through its proprietary, cloud-based, and artificial intelligence-driven lending platform. The company's three operating segments - Personal Lending, Auto Lending, and Other - provide a diverse range of loan products to consumers with a focus on using AI technology to underwrite loans. With June origination volumes up 48% year-over-year and the potential for emerging products to drive growth in the future, there is significant potential for Upstart to continue beating its previous guidance and outperform in the market. Additionally, the company has a strong balance sheet and is focused on profitability and improving its underwriting model, which should help drive long-term profitability.

Bears say

Upstart Holdings is facing a challenging market environment, as reflected by their compressed valuation and potential downside risks. Their model of utilizing data science and AI for loan underwriting has not yet proven to be sustainable, with potential concerns around private equity funding and potential higher loss rates. Despite their plans to expand into other lending products, including Cash Line, HELOCs, and auto loans, it is uncertain how these new products will affect the company's overall growth and profitability in the future.

Upstart Holdings (UPST) has been analyzed by 12 analysts, with a consensus rating of Buy. 33% of analysts recommend a Strong Buy, 25% recommend Buy, 33% 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 12 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Sep 8, 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 $46.83, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $46.83, 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: 2.92M

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