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UPST
Volume: 1.86M

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 reported exceptional financial performance in February, achieving total loan originations of $1.075 billion, which marks a 61% year-over-year increase, alongside a daily origination rate that rose 51% year-over-year to $44.9 million. The company's capacity to onboard new committed capital partners is expected to accelerate growth in the coming quarters, enhancing its competitive position in the credit services market. Moreover, ongoing enhancements to its underwriting model and the integration of artificial intelligence in operational efficiencies are projected to bolster long-term profitability and improve unit economics, reducing dependence on third-party banking partnerships.

Bears say

Upstart Holdings Inc. faces potential challenges stemming from higher loan loss rates, which could lead to negative fair value marks on loans held on its balance sheet and strained investor demand. Additionally, the prospect of elevated interest rates may hinder the company's ability to underwrite loans profitably, impacting growth and overall profitability. Furthermore, a cautious approach from lending partners could contribute to uneven growth recovery in the forthcoming quarters, exacerbating the uncertainties surrounding the company’s financial outlook.

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 6, 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: 1.86M

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