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UPST
Volume: 3.95K
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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. has demonstrated substantial growth, with loan volumes increasing by 127.5% year-over-year to 428,056, driven by strong demand from near-prime borrowers and emerging loan products. The company's projected revenue growth of 63% in 2025 and 16% in 2026, combined with relatively moderate operating expense growth, suggests a healthier profitability outlook, supported by expected improvements in EBITDA margins. Furthermore, Upstart's commitment to enhancing its underwriting model and effectively utilizing artificial intelligence is anticipated to boost both underwriting quality and long-term profitability.

Bears say

Upstart Holdings Inc's third-quarter 2025 revenues fell short of expectations, driven by conservative responses in its risk models amidst macroeconomic uncertainties, leading to a significant drop in conversion rates exceeding 300 basis points quarter-over-quarter. While the management reported a notable increase in application volumes, the anticipated decline in fourth-quarter guidance and lower contribution margins indicate potential pressures on profitability and growth. Furthermore, emerging concerns about elevated loan loss rates may negatively affect investor demand and valuations, contributing to a bearish sentiment around the stock.

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 5, 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: 3.95K

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