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UPST
Volume: 1.57M
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Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 11 analyst ratings
Buy
Strong Buy 36%
Buy 18%
Hold 36%
Sell 0%
Strong Sell 9%

Bulls say

Upstart Holdings Inc. is demonstrating strong financial performance, with EBITDA margins projected to reach approximately 20%, resulting in an estimated EBITDA of around $211 million. The company reported a significant increase in loan volumes, growing 158.2% year-over-year to a total of 371,492 loans, much higher than previous estimates, indicating robust consumer demand. Additionally, revenue from fees soared to $240.8 million, representing 84.5% year-over-year growth and exceeding estimates, which underscores the effectiveness of Upstart's AI-enabled lending platform in connecting borrowers with bank partners.

Bears say

The financial outlook for Upstart Holdings Inc appears negative due to rising loan loss rates, which could diminish investor demand and result in unfavorable valuations of existing loans on the balance sheet. Additionally, a tighter credit market alongside increased interest rates may hinder Upstart's ability to underwrite loans at competitive APRs, thus affecting both growth and profitability. Despite solid Q2 results, a conservative fiscal year 2025 net interest income outlook and only modest top-line guidance have contributed to a significant decline in stock value, reflecting high market expectations that were not met.

Upstart Holdings (UPST) has been analyzed by 11 analysts, with a consensus rating of Buy. 36% of analysts recommend a Strong Buy, 18% recommend Buy, 36% suggest Holding, 0% advise Selling, and 9% 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 11 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Oct 30, 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 $80.55, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $80.55, 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: 1.57M

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