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UPST
Volume: 2.55M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 14 analyst ratings
Buy
Strong Buy 29%
Buy 21%
Hold 43%
Sell 7%
Strong Sell 0%

Bulls say

Upstart Holdings Inc. demonstrated a strong growth trajectory, reporting February originations of $1.075 billion, which marks a 61% increase year-over-year, showcasing the strong demand for its AI-driven lending platform. Adjusted for the number of days in the month, the company's originations per day reached $44.9 million, reflecting a 51% year-over-year growth, indicating robust operational efficiency and market positioning. The company's future projections suggest significant expansion, with originations anticipated to exceed $19 billion of transaction volume in 2026, alongside an expected increase in EBITDA margins to 28% by 2028, driven by strategic initiatives including the pursuit of a bank charter.

Bears say

Upstart Holdings Inc faces considerable challenges that have contributed to a negative outlook for its stock. The company may see increased loss rates on loans it underwrites, negatively impacting investor demand and resulting in unfavorable fair value marks on its balance sheet. Furthermore, rising interest rates could hinder Upstart's ability to profitably underwrite loans, potentially leading to reduced growth and profitability amidst concerns about limited private credit availability affecting transaction volumes.

Upstart Holdings (UPST) has been analyzed by 14 analysts, with a consensus rating of Buy. 29% of analysts recommend a Strong Buy, 21% recommend Buy, 43% suggest Holding, 7% 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 14 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Apr 26, 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 $49.79, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $49.79, 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: 2.55M

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