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UPST
Volume: 4.45M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 12 analyst ratings
Buy
Strong Buy 33%
Buy 25%
Hold 33%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings is a fintech company that uses artificial intelligence and a cloud-based lending platform to connect consumer loan demand to its network of bank partners. The company has three operating segments: Personal Lending, Auto Lending, and Other. Upstart has been experiencing strong growth, with reported June origination volumes up 48% year-over-year and 2Q volumes exceeding consensus estimates. The company's use of AI and commitment to improving its underwriting model make it well-positioned for continued success in the digital lending space. While there are concerns about potential increases in interest rates and associated credit risk, Upstart's strong balance sheet and focus on diversifying its product offerings help mitigate these risks. With a favorable risk-reward profile and a target price of $40, Upstart remains a promising investment opportunity in the fintech industry.

Bears say

Upstart Holdings is a company that provides credit services through a proprietary AI lending platform. While they have seen impressive growth thus far, with monthly origination volumes and revenues remaining largely in line with expectations, its EBITDA margin outlook for 2026 is a cause of concern. Their focus on profitable growth and expanding in core personal loans may help, but a potential stall in funding supply, higher loss rates, and pressure from interest rates could negatively impact the company's growth and profitability, leading to a potential compression in valuation.

Upstart Holdings (UPST) has been analyzed by 12 analysts, with a consensus rating of Buy. 33% of analysts recommend a Strong Buy, 25% recommend Buy, 33% 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 12 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Aug 8, 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 $46.83, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $46.83, 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)

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