Upstart Holdings, Inc. (NASDAQ:UPST) Receives $48.00 Average PT from Analysts

Upstart Holdings, Inc. (NASDAQ:UPST) has been given a consensus rating of “Hold” by the sixteen analysts that are covering the company, MarketBeat reports. Three analysts have rated the stock with a sell rating, seven have given a hold rating and six have issued a buy rating on the company. The average 12-month target price among brokerages that have updated their coverage on the stock in the last year is $48.00.

A number of research analysts have commented on UPST shares. Compass Point upgraded Upstart from a “sell” rating to a “neutral” rating and upped their price target for the stock from $20.00 to $30.00 in a research note on Tuesday, February 17th. The Goldman Sachs Group upgraded Upstart from a “sell” rating to a “neutral” rating and decreased their price target for the stock from $44.00 to $35.00 in a research note on Friday, February 13th. Mizuho decreased their price target on Upstart from $66.00 to $51.00 and set an “outperform” rating on the stock in a research note on Thursday, March 26th. Truist Financial decreased their price target on Upstart from $59.00 to $49.00 and set a “buy” rating on the stock in a research note on Wednesday, February 11th. Finally, Zacks Research upgraded Upstart from a “strong sell” rating to a “hold” rating in a research note on Monday, April 13th.

Upstart Stock Performance

NASDAQ:UPST opened at $34.74 on Monday. The stock has a market capitalization of $3.32 billion, a P/E ratio of 82.71, a PEG ratio of 0.93 and a beta of 2.16. The company has a 50 day moving average price of $28.41 and a 200 day moving average price of $39.31. Upstart has a fifty-two week low of $23.97 and a fifty-two week high of $87.30.

Upstart (NASDAQ:UPST) last released its quarterly earnings results on Tuesday, February 10th. The company reported $0.17 EPS for the quarter, topping analysts’ consensus estimates of $0.15 by $0.02. Upstart had a return on equity of 6.30% and a net margin of 5.13%.The company had revenue of $296.09 million for the quarter, compared to analysts’ expectations of $288.54 million. During the same period in the prior year, the firm earned $0.26 earnings per share. The firm’s revenue was up 35.2% compared to the same quarter last year. Research analysts forecast that Upstart will post 0.94 earnings per share for the current fiscal year.

Upstart declared that its board has approved a share repurchase program on Thursday, February 19th that permits the company to buyback $100.00 million in outstanding shares. This buyback authorization permits the company to purchase up to 3.2% of its stock through open market purchases. Stock buyback programs are usually a sign that the company’s leadership believes its shares are undervalued.

Upstart News Summary

Here are the key news stories impacting Upstart this week:

• Positive Sentiment: Upstart announced a multi-year forward-flow commitment with funds managed by Centerbridge Partners to purchase up to $1.2 billion of consumer loans originated on the Upstart platform — a large funding partner that boosts balance-sheet capacity, provides predictable loan sales and supports near-term revenue growth. Article Title
• Positive Sentiment: Upstart’s recent fundamentals (reported Feb. 10) showed revenue growth and an EPS beat, which supports upside when paired with new forward-flow capacity — that combination likely helped lift the stock as investors price in steadier loan origination monetization. Article Title
• Neutral Sentiment: Some analyst skepticism remains — Bank of America recently trimmed its price target (from $40 to $36) and kept a Neutral rating, indicating cautious expectations for multiple expansion despite growth opportunities. This tempers enthusiasm from the funding announcement. Article Title
• Negative Sentiment: Multiple law firms have filed or are soliciting participation in securities class actions alleging misstatements tied to the May–Nov 2025 period; several firms (Pomerantz, Berger Montague, Rosen, Levi & Korsinsky, others) have public notices and named executives in complaints — this legal overhang raises potential litigation costs and investor uncertainty. Article Title

Insider Buying and Selling

In other Upstart news, CFO Sanjay Datta sold 7,982 shares of the company’s stock in a transaction on Friday, February 20th. The stock was sold at an average price of $29.86, for a total transaction of $238,342.52. Following the transaction, the chief financial officer directly owned 276,688 shares in the company, valued at $8,261,903.68. This represents a 2.80% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. Insiders sold 9,481 shares of company stock worth $282,201 in the last 90 days. 16.67% of the stock is owned by corporate insiders.

Institutional Trading of Upstart

Several hedge funds have recently modified their holdings of UPST. Morgan Stanley raised its stake in shares of Upstart by 154.6% in the fourth quarter. Morgan Stanley now owns 4,206,615 shares of the company’s stock valued at $183,955,000 after acquiring an additional 2,554,591 shares in the last quarter. Norges Bank acquired a new stake in shares of Upstart in the fourth quarter valued at $49,915,000. Azora Capital LP acquired a new stake in shares of Upstart in the fourth quarter valued at $38,580,000. Jericho Capital Asset Management L.P. raised its stake in shares of Upstart by 22.6% in the third quarter. Jericho Capital Asset Management L.P. now owns 4,480,809 shares of the company’s stock valued at $227,625,000 after acquiring an additional 826,974 shares in the last quarter. Finally, Baillie Gifford & Co. acquired a new stake in shares of Upstart in the fourth quarter valued at $33,188,000. 63.01% of the stock is currently owned by institutional investors and hedge funds.

Upstart Company Profile

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non?traditional data points—such as education, employment history and other real?time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.