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UPST
Volume: 111.84K

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 13 analyst ratings
Buy
Strong Buy 31%
Buy 15%
Hold 46%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings Inc. reported a significant increase in February loan originations, reaching $1.075 billion, which reflects a year-over-year growth of 61% and an adjusted daily origination rate of $44.9 million, up 51% year-over-year. The company's bullish outlook is supported by its potential to onboard multiple new committed capital partners, which is anticipated to drive further growth in the upcoming quarters. Additionally, enhancements in Upstart's underwriting model and the continued application of artificial intelligence are expected to improve long-term profitability and unit economics, while reducing dependence on third-party banking partners.

Bears say

The key points influencing the negative outlook on Upstart Holdings Inc's stock center on potential higher loss rates on loans underwritten by the company, which may pressure investor demand and result in negative fair value marks on its balance sheet. Additionally, the increasing interest rates could impair Upstart's ability to effectively underwrite loans profitably at appropriate APRs, thereby threatening both growth and profitability. Lastly, there are concerns over the cautious behavior of Upstart's lending partners, which could lead to an uneven recovery in growth in the near future.

Upstart Holdings (UPST) has been analyzed by 13 analysts, with a consensus rating of Buy. 31% of analysts recommend a Strong Buy, 15% recommend Buy, 46% 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 Mar 25, 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 $49.69, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $49.69, 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: 111.84K

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