UPST

Upstart Holdings Inc

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46.810

-2.380(-4.840%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

47.100

Open

46.860

VWAP

46.30

Vol

1.61M

Mkt Cap

4.68B

Low

45.880

Amount

74.74M

EV/EBITDA(TTM)

Total Shares

87.88M

5.19B

EV/OCF(TTM)

33.95

P/S(TTM)

6.97

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. 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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q2

FY2025Q1

269.39M

+66.14%

0.430

-816.3%

226.28M

+77.29%

0.254

-249.14%

201.26M

+57.49%

0.171

-155.03%

Estimates Revision

The market is revising Upward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by 22.17% over the past three months. During the same period, the stock price has changed by -30.47%.

Revenue Estimates for FY2025

Revise Upward

+22.17%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+129.26%

In Past 3 Month

Stock Price

Go Down

-30.47%

In Past 3 Month

13 Analyst Rating

67.02% Upside

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 78.18 USD with a low forecast of 15.00 USD and a high forecast of 110.00 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.

5 Buy

6 Hold

2 Sell

Hold

67.02% Upside

Current: 46.810

Low

15.00

Averages

78.18

High

110.00

67.02% Upside

Current: 46.810

Low

15.00

Averages

78.18

High

110.00

B of A Securities

Nat Schindler

Sell

Hold

Upgrades

$53

2025-04-29

New

Reason

B of A Securities

Nat Schindler

Price Target

$53

2025-04-29

New

Upgrades

Sell

Hold

Reason

Barclays

Ramsey El-Assal

Hold

Maintains

$93 → $42

2025-04-14

Reason

Barclays

Ramsey El-Assal

Price Target

$93 → $42

2025-04-14

Maintains

Hold

Reason

Barclays lowered the firm's price target on Upstart to $42 from $93 and keeps an Equal Weight rating on the shares.

Barclays

Ramsey El-Assal

Hold

Maintains

$80 → $93

2025-02-18

Reason

Barclays

Ramsey El-Assal

Price Target

$80 → $93

2025-02-18

Maintains

Hold

Reason

Morgan Stanley

James Faucette

Sell

Hold

Upgrades

$12 → $70

2025-02-14

Reason

Morgan Stanley

James Faucette

Price Target

$12 → $70

2025-02-14

Upgrades

Sell

Hold

Reason

JPMorgan upgraded Upstart to Neutral from Underweight with a price target of $79, up from $57. The company's Q4 results and 2025 outlook solidly beat guidance and Street estimates, as origination volume and adjusted EBITDA margins "snap-backed" to the highest levels since 2022, primarily driven by improving conversion rates and funding availability, the analyst tells investors in a research note. The firm sees Upstart's model improvements as a "force multiplier" that has the potential to boost conversions and transaction volume, and unlock operating leverage.

Citigroup

Peter Christiansen

Strong Buy

Maintains

$87 → $108

2025-02-13

Reason

Citigroup

Peter Christiansen

Price Target

$87 → $108

2025-02-13

Maintains

Strong Buy

Reason

Citi raised the firm's price target on Upstart to $108 from $87 and keeps a Buy rating on the shares. The firm says that following the Q4 revenue beat and an initial outlook for 60% growth in fiscal 2025, it is encouraged by Upstart's momentum and confidence.

Piper Sandler

Arvind Ramnani

Buy

Reiterates

$85 → $105

2025-02-12

Reason

Piper Sandler

Arvind Ramnani

Price Target

$85 → $105

2025-02-12

Reiterates

Buy

Reason

Piper Sandler raised the firm's price target on Upstart to $105 from $85 and keeps an Overweight rating on the shares. The firm notes Upstart came in well ahead of Q4 elevated expectations. The company is now targeting FY25 revenues of $1B, Piper adds.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Upstart Holdings Inc (UPST.O) is 35.33, compared to its 5-year average forward P/E of -210.60. For a more detailed relative valuation and DCF analysis to assess Upstart Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

-210.60

Current PE

35.33

Overvalued PE

799.02

Undervalued PE

-1220.23

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

102.05

Current EV/EBITDA

28.49

Overvalued EV/EBITDA

309.62

Undervalued EV/EBITDA

-105.53

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

6.89

Current PS

4.55

Overvalued PS

12.17

Undervalued PS

1.60