Upstart Holdings Reports 79% Revenue Growth Amid Market Challenges
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 13 Jan 26
Source: Business Insider
Upstart Holdings Inc. saw its stock rise by 5.06% as it crossed above the 20-day SMA, reflecting a positive technical movement.
The company reported a significant 79% increase in revenue to $747.8 million for the first three quarters of 2025, driven by a new AI model, despite facing rising credit risks in the auto loan market. This strong revenue growth and improved profitability, with a GAAP net income of $35 million, indicate a recovery in business performance, although concerns about future economic conditions remain.
Investors are encouraged by the revenue growth, but the cautious outlook due to potential economic challenges suggests that vigilance is necessary as Upstart navigates a complex market landscape.
Analyst Views on UPST
Wall Street analysts forecast UPST stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 56.73 USD with a low forecast of 20.00 USD and a high forecast of 80.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
13 Analyst Rating
7 Buy
4 Hold
2 Sell
Moderate Buy
Current: 43.165
Low
20.00
Averages
56.73
High
80.00
Current: 43.165
Low
20.00
Averages
56.73
High
80.00
About UPST
Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
