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UPST
Volume: 3.82M

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 is a promising financial services company with a unique and innovative cloud-based, AI lending platform. The company's operational segments and focus on expanding its Auto and Home product offerings suggest strong growth opportunities beyond its already successful Personal Lending segment. With the potential for expanding EBITDA margins and strong origination volume growth expectations, Upstart's valuation appears undervalued, especially in light of its potential to improve funding and reduce credit risk through the establishment of Upstart Bank, N.A.

Bears say

Upstart Holdings is using artificial intelligence to disrupt the traditional lending industry, but there are concerns over the company's limited access to credit and transaction volumes. However, the upcoming announcement of a potential banking charter could improve the company's unit economics and funding costs, as well as accelerate product development. In the short term, slow growth and negative fair value marks on existing loans could lead to a lower valuation multiple. However, incorporating monthly origination data shows a strong start to FY26 and potential to exceed current guidance, supporting a BUY rating with a target price of $40.

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 May 5, 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: 3.82M

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