Upstart Holdings, Inc. (UPST)
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- symbol UPST
- Rev/Share 10.2394
- Book/Share 7.6924
- PB 5.1597
- Debt/Equity 2.5498
- CurrentRatio 3.3185
- ROIC 0.0081
- MktCap 3861300550.0
- FreeCF/Share -3.8637
- PFCF -10.3367
- PE 119.135
- Debt/Assets 0.6528
- DivYield 0
- ROE 0.0464
- Rating C-
- Score 1
- Recommendation Strong Sell
- P/E Score 1
- DCF Score 1
- P/B Score 1
- D/E Score 1
Recent Analyst Ratings
| Type | Ticker | Analyst Firm | Previous Rating | Current Rating | Previous Price Target | Current Price Target | Date |
|---|---|---|---|---|---|---|---|
| Initiation | UPST | Truist | -- | Buy | -- | $59 | Jan. 6, 2026 |
| Upgrade | UPST | JP Morgan | Neutral | Overweight | -- | $88 | Aug. 20, 2025 |
| Resumed | UPST | Goldman | -- | Sell | -- | $71 | July 14, 2025 |
| Resumed | UPST | Piper Sandler | -- | Overweight | -- | $75 | June 24, 2025 |
| Initiation | UPST | Stephens | -- | Equal Weight | -- | $55 | June 12, 2025 |
| Upgrade | UPST | BofA Securities | Underperform | Neutral | -- | $53 | April 29, 2025 |
| Upgrade | UPST | Morgan Stanley | Underweight | Equal Weight | $12 | $70 | Feb. 14, 2025 |
| Upgrade | UPST | JP Morgan | Underweight | Neutral | $57 | $79 | Feb. 12, 2025 |
| Upgrade | UPST | B. Riley Securities | Neutral | Buy | $49 | $105 | Feb. 12, 2025 |
| Upgrade | UPST | Needham | Hold | Buy | -- | $100 | Dec. 13, 2024 |
News
Upstart's Credit Union Partnerships Soar: Will it Fuel Revenue Growth?
Published: January 22, 2026 by: Zacks Investment Research
Sentiment: Positive
UPST adds new credit union partner as its referral network grows, signaling rising lender confidence and broader access to personal loans.
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Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Published: January 22, 2026 by: Zacks Investment Research
Sentiment: Positive
Zacks.com users have recently been watching Upstart (UPST) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Read More
PayPal vs. Upstart: Which Fintech Stock is the Better Buy Now?
Published: January 21, 2026 by: Zacks Investment Research
Sentiment: Positive
PYPL expands AI-driven commerce while UPST accelerates AI lending growth. Here's which fintech stock stands out now.
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A Short Covering Secret Contrarians Should Know
Published: January 13, 2026 by: Schaeffers Research
Sentiment: Neutral
Subscribers to Chart of the Week received this commentary on Sunday, January, 11.
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Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Published: January 08, 2026 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Read More
Truepic Welcomes Kerry Whorton Cooper to its Board of Advisors
Published: January 06, 2026 by: GlobeNewsWire
Sentiment: Neutral
Truepic welcomes Kerry Whorton Cooper to its Advisory Board, leveraging her 20 years of executive leadership to advance authenticity in digital ecosystems.
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Upstart's Selloff Triggers Dip Buying Opportunity - Robust Lending Growth Entering 2026
Published: January 06, 2026 by: Seeking Alpha
Sentiment: Positive
Upstart is an even better Buy here, thanks to the materialization of a much needed correction from prior heights and the recent bounce off the established uptrend support line. The AI lending platform demonstrates its ability to deliver improved operating leverage upon expanded adoption rates, with FY2026 likely to benefit from the lower cost borrowing environment. This is especially aided by the nascent auto/home lending opportunities beyond the core personal lending segment, with UPST likely to benefit from the higher refinancing activities.
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3 High-Conviction AI Stocks With 10x Potential by 2036
Published: January 01, 2026 by: The Motley Fool
Sentiment: Positive
AMD is on track to become a growing competitive threat to Nvidia. CoreWeave's artificial intelligence (AI)-specific cloud ecosystem is benefiting from rapidly rising demand.
Read More
Block vs. Upstart: Which Fintech Stock Has More Upside Right Now?
Published: December 31, 2025 by: Zacks Investment Research
Sentiment: Positive
XYZ expands its payments ecosystem as Upstart accelerates AI-driven lending growth, setting up a fintech faceoff as both chase long-term upside.
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Upstart's Partnerships Surge: Will it Ignite Revenue Rocket?
Published: December 23, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST expands partnerships with Tech CU, Peak and CAFCU, growing its AI lending network past 100 partners and widening personal, auto and HELOC offerings.
Read More
Upstart Stock Trades at Premium Value: Should You Buy, Hold or Sell?
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST trades at a premium valuation despite a sharp stock drop, as investors weigh strong growth, AI gains and macro-driven volatility.
Read More
Here is What to Know Beyond Why Upstart Holdings, Inc. (UPST) is a Trending Stock
Published: December 10, 2025 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Read More
Is Trending Stock Upstart Holdings, Inc. (UPST) a Buy Now?
Published: November 26, 2025 by: Zacks Investment Research
Sentiment: Positive
Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Read More
PGY vs. UPST: Which AI Credit Platform Has Stronger Growth Setup?
Published: November 25, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya's capital-light model, expanding AI lending reach and stronger valuation set the stage for a compelling long-term growth outlook.
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Upstart's AI Lending: Can Its Underwriting Model Stay Ahead?
Published: November 21, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST adjusts its AI underwriting as rising risk trims conversions, with new calibration tools aimed at steadier approvals and broader loan expansion.
Read More
Upstart's Push Into Auto and Home Loans: Will Diversification Pay Off?
Published: November 18, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's expanding push into auto, home, and small-dollar lending gains traction as new products scale and funding partners grow.
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Is Upstart Stock a Buy, Hold or Sell After a Steep 41% 3-Month Drop?
Published: November 14, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's sharp three-month drop contrasts with a strong quarter as model shifts, funding gains and macro sensitivity shape a cautious hold outlook.
Read More
Is Most-Watched Stock Upstart Holdings, Inc. (UPST) Worth Betting on Now?
Published: November 12, 2025 by: Zacks Investment Research
Sentiment: Positive
Zacks.com users have recently been watching Upstart (UPST) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Read More
Future-Ready Fintech Stocks Set for Sustainable Long-Term Growth
Published: November 06, 2025 by: Zacks Investment Research
Sentiment: Positive
Fintech innovators like Upstart, Affirm Holdings and Nu Holdings are driving the next wave of AI-powered, sustainable financial growth.
Read More
AI Lending Push, New Verticals Rise: Will Upstart Stay Ahead in Q3?
Published: October 31, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's Q3 results are likely to reveal if its AI lending model and expanding Auto and Home segments can sustain the strong revenue rebound seen last quarter.
Read More
Credit Unions Tap Upstart's AI Lending Platform: Can It Fuel Growth?
Published: October 30, 2025 by: Zacks Investment Research
Sentiment: Positive
Credit unions are embracing UPST's AI platform as loan originations surge and new verticals drive its return to profitability.
Read More
Upstart: Growth Is Being Underestimated; Maintaining Buy
Published: October 29, 2025 by: Seeking Alpha
Sentiment: Positive
Upstart's AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy. Despite market concerns, large bank earnings confirm consumer lending remains healthy, supporting UPST's revenue growth outlook and upside potential. I remain bullish on UPST stock, as I believe the current guidance is overly prudent and growth is not fully priced in. My price target is $64, implying a 24% upside.
Read More
Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know
Published: October 28, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Read More
STNE vs. UPST: Which Fintech Stock Should You Pick Now?
Published: October 28, 2025 by: Zacks Investment Research
Sentiment: Positive
StoneCo's steady profitability and disciplined growth outshine Upstart's volatile AI-driven lending surge, making it the stronger fintech contender now.
Read More
'We're trying to shame them': Upstart activist investors target America's underperforming banks
Published: October 28, 2025 by: CNBC
Sentiment: Negative
Hedge fund HoldCo has emerged from relative obscurity to launch activist investor campaigns against three regional banks: Comerica, Eastern Bank and First Interstate. Founders Vik Ghei and Misha Zaitzeff tell CNBC exclusively about their next target, Columbia Bank, and their broader plans to challenge banking CEOs.
Read More
Why Upstart Holdings, Inc. (UPST) Outpaced the Stock Market Today
Published: October 24, 2025 by: Zacks Investment Research
Sentiment: Positive
The latest trading day saw Upstart Holdings, Inc. (UPST) settling at $52.69, representing a +1.13% change from its previous close.
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Halper Sadeh LLC Encourages Upstart, Inc. Shareholders to Contact the Firm to Discuss Their Rights
Published: October 24, 2025 by: Business Wire
Sentiment: Neutral
NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating whether certain officers and directors of Upstart, Inc. (NASDAQ: UPST) breached their fiduciary duties to shareholders. If you currently own Upstart stock and are a long-term shareholder, you may be able to seek corporate governance reforms, the return of funds back to the company, a court-approved financial incentive award, or other relief and benefits. Please click here to learn more about your legal ri.
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Is Upstart's Diversification Strategy the Key to Lasting Growth?
Published: October 17, 2025 by: Zacks Investment Research
Sentiment: Positive
UPST's AI-driven expansion into auto, home equity and small-dollar lending reshapes its growth model beyond personal loans.
Read More
PayPal vs. Upstart: Which Fintech Stock Should You Buy Today?
Published: October 15, 2025 by: Zacks Investment Research
Sentiment: Positive
PYPL's diversified growth and AI partnerships give it an edge over UPST's high-risk, high-reward lending surge in the 2025 fintech race.
Read More
Upstart Holdings, Inc. (UPST) Is a Trending Stock: Facts to Know Before Betting on It
Published: October 14, 2025 by: Zacks Investment Research
Sentiment: Positive
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Read More
About Upstart Holdings, Inc. (UPST)
- IPO Date 2020-12-16
- Website https://www.upstart.com
- Industry Financial - Credit Services
- CEO David J. Girouard
- Employees 1193