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UPST
Volume: 27.27K

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 12 analyst ratings
Buy
Strong Buy 25%
Buy 17%
Hold 50%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings Inc. has demonstrated robust growth, with loan volumes increasing by 127.5% year-over-year to 428,056, driven primarily by strong performance among near-prime borrowers and new product offerings. Transaction volumes are projected to continue expanding, with an expected $13.0 billion in transaction volume by 2026, surpassing previous high levels experienced in 2021. Additionally, revenue growth forecasts of 63% year-over-year for 2025 and an expected improvement in EBITDA margins, reaching approximately 30% by 2026, highlight the company’s increasing operational efficiency and positive long-term profitability outlook.

Bears say

Upstart Holdings Inc experienced a decline in revenues for 3Q25, with guidance for 4Q25 falling short of forecasts due to conservative responses from its AI-powered risk models, which led to a significant drop in loan approval rates and conversion rates. While there was a notable increase in loan applications, the projections for contribution margins and revenue fell below market expectations, indicating potential challenges in maintaining profitability. Additionally, concerns about rising loss rates on underwritten loans may pressure investor demand and negatively impact the company's financial stability moving forward.

Upstart Holdings (UPST) has been analyzed by 12 analysts, with a consensus rating of Buy. 25% of analysts recommend a Strong Buy, 17% recommend Buy, 50% 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 Feb 19, 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 $51.58, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $51.58, 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: 27.27K

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