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UPST
Volume: 3.72M

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 financial technology company that provides credit services through a proprietary, cloud-based, artificial intelligence lending platform. The company's platform aggregates consumer demand for loans and connects it to a network of AI-enabled bank partners, allowing for a more efficient and streamlined lending process. In addition, the company's expansion into different lending product offerings, such as personal loans, auto loans, and HELOCs, provides a strong potential for growth, especially with the addition of their newly announced Cash Line product. Furthermore, UPST's strong balance sheet and pivot towards committed capital partners also suggest a more durable growth profile moving forward. While there may be some concerns over higher marketing expenses and potential downside risks in credit trends, the company's continued focus on profitability and its plan to obtain a bank charter keep us positive on the stock.

Bears say

Upstart Holdings is facing several fundamental challenges, including the potential for increased competition in the credit services industry and potential losses from AI underwriting and loans currently on the company's balance sheet. Additionally, the company's focus on profitable growth may limit potential revenue growth and hinder its ability to meet projected guidance. Furthermore, the recent decline in UPST's share price reflects concerns about transaction volumes, take-rates, and expenses, which may impact the company's earnings and future valuation. Based on these factors, the negative outlook for UPST's stock remains strong.

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 Jul 2, 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, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $49, 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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