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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 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.

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 5, 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 $58.38, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $58.38, 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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