Event Participation: Upstart Holdings, Inc. CEO Dave Girouard will participate in a fireside chat at the Goldman Sachs Communacopia and Technology Conference on September 8 at 10:10am PT.
Webcast Availability: A live audio webcast of the event will be accessible on Upstart's investor relations website, with a replay available for a limited time afterward.
Company Overview: Upstart is an AI lending marketplace that connects consumers with over 100 banks and credit unions, utilizing AI models to enhance credit product offerings.
Operational Efficiency: More than 90% of loans processed through Upstart are fully automated, allowing lenders to approve more borrowers at lower rates without human intervention.
UPST
$46.05+Infinity%1D
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 56.45 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
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 56.45 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.
6 Buy
5 Hold
2 Sell
Moderate Buy
Current: 49.350
Low
20.00
Averages
56.45
High
80.00
Current: 49.350
Low
20.00
Averages
56.45
High
80.00
LifeSci Capital
Outperform
initiated
$43
2025-12-02
Reason
LifeSci Capital
Price Target
$43
2025-12-02
initiated
Outperform
Reason
LifeSci Capital initiated coverage of Upstream Bio with an Outperform rating and $43 price target.
Mizuho
Dan Dolev
Outperform -> Outperform
downgrade
$86 -> $66
2025-11-10
Reason
Mizuho
Dan Dolev
Price Target
$86 -> $66
2025-11-10
downgrade
Outperform -> Outperform
Reason
Mizuho analyst Dan Dolev lowered the firm's price target on Upstart to $66 from $86 and keeps an Outperform rating on the shares. The firm updated the company's model post the Q3 report.
Goldman Sachs
Will Nance
Sell
downgrade
$54 -> $40
2025-11-06
Reason
Goldman Sachs
Will Nance
Price Target
$54 -> $40
2025-11-06
downgrade
Sell
Reason
Goldman Sachs analyst Will Nance lowered the firm's price target on Upstart to $40 from $54 and keeps a Sell rating on the shares.
B. Riley
Buy
downgrade
$105 -> $66
2025-11-06
Reason
B. Riley
Price Target
$105 -> $66
2025-11-06
downgrade
Buy
Reason
B. Riley lowered the firm's price target on Upstart to $66 from $105 and keeps a Buy rating on the shares following the Q3 report. The firm reduced estimates post the print.
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.
