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UPST
Volume: 6.72M
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Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 20 analyst ratings
Hold
Strong Buy 25%
Buy 20%
Hold 30%
Sell 10%
Strong Sell 15%

Bulls say

Upstart Holdings Inc demonstrated a robust performance with loan volumes increasing by 89.5% year-over-year to 245,663, significantly surpassing prior estimates. The company's adjusted EBITDA margins improved dramatically by 1,680 basis points quarter-over-quarter, driven by strong revenue growth and operational efficiency against fixed costs. Additionally, enhanced model accuracy and improved approval rates contributed to a substantial rise in revenue, further solidifying a positive outlook for growth and profitability looking ahead to 2025.

Bears say

Upstart Holdings Inc. may face significant challenges due to the potential for increased loss rates on loans underwritten, which could adversely affect investor demand and lead to negative fair value marks on the company's balance sheet. The continuing impact of higher interest rates might inhibit Upstart's ability to profitably underwrite customers within appropriate APR limits, thereby constraining growth and overall profitability. Additionally, if Upstart's lending partners maintain a cautious stance, the anticipated recovery in growth could become uneven, further complicating the company's financial outlook.

Upstart Holdings (UPST) has been analyzed by 20 analysts, with a consensus rating of Hold. 25% of analysts recommend a Strong Buy, 20% recommend Buy, 30% suggest Holding, 10% advise Selling, and 15% 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 Hold based on their latest research and market trends.

According to 20 analysts, Upstart Holdings (UPST) has a Hold consensus rating as of Jul 23, 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 $61.10, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $61.10, 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: 6.72M

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