
Upstart Holdings (UPST) Stock Forecast & Price Target
Upstart Holdings (UPST) Analyst Ratings
Bulls say
Upstart Holdings Inc reported a remarkable year-over-year loan volume growth of 89.5%, reaching 245,663 loans, significantly exceeding prior estimates and showcasing robust demand. The company's adjusted EBITDA demonstrated impressive margins, rising to 17.7% with results of $38.8 million, well above consensus expectations, indicating strong operational efficiency and cost management. Furthermore, improved model accuracy and declining default rates contributed to revenue growth, positioning Upstart favorably for enhanced profitability and sustained growth moving into 2025.
Bears say
The analysis reveals that Upstart Holdings Inc faces potential challenges in loan underwriting, with anticipated higher loss rates that could negatively impact investor demand and lead to unfavorable fair value marks on existing loans. Additionally, the persistence of elevated interest rates may hinder the company's ability to profitably underwrite loans at competitive annual percentage rates, subsequently affecting overall growth and profitability. Lastly, the cautious stance of lending partners could result in a slow and uneven recovery in growth over upcoming quarters, exacerbating the company's financial difficulties.
This aggregate rating is based on analysts' research of Upstart Holdings and is not a guaranteed prediction by Public.com or investment advice.
Upstart Holdings (UPST) Analyst Forecast & Price Prediction
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