Should I Buy UPST? UPST 2026 Analysis

Should You Buy Upstart Holdings Inc (UPST) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

41.530

1 Day change

-3.79%

52 Week Range

96.430

Analysis Updated At

2026/01/26

Upstart Holdings Inc (UPST) is a good buy for a beginner investor with a long-term focus and $50,000-$100,000 available for investment. Despite short-term technical weakness, the company's strong revenue growth, improving transaction volume, and potential for market expansion make it a compelling long-term opportunity. Analysts' ratings and price targets also indicate upside potential.

Technical Analysis

The technical indicators suggest a bearish trend in the short term. The MACD is negatively expanding (-0.403), RSI is neutral at 39.78, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level (S1: 44.806), with resistance at R1: 50.062. Pre-market price is $44.84, down 0.99%.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Strong Q3 revenue growth of 71% YoY to $277 million.
128% increase in transaction volume.
Achieved GAAP profitability with $31.8 million net income in Q
Analysts' ratings include multiple Buy and Outperform recommendations, with price targets as high as $
Potential upside in easing credit cycles and improving consumer credit conditions.

Neutral/Negative Catalysts

Stock price declined 29% last year despite strong financial performance.
Analysts have lowered price targets post-Q3 earnings due to concerns about volatility and forecasting.
Net income and EPS have declined significantly YoY, indicating profitability challenges.
Bearish technical indicators suggest short-term weakness.

Financial Performance

In Q3 2025, Upstart reported a 65.35% YoY revenue increase to $277.1 million. However, net income dropped by -570.63% YoY to $31.8 million, and EPS fell by -462.50% YoY to $0.29. Gross margin improved to 82.03%, up 7.16% YoY, indicating operational efficiency.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts are mixed but leaning positive. Recent ratings include Truist's Buy rating with a $59 price target and Piper Sandler's Overweight rating with a $56 price target. However, some firms like Goldman Sachs have a Sell rating with a $40 price target. The average sentiment suggests potential upside for long-term investors.

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 56.73 USD with a low forecast of 20 USD and a high forecast of 80 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.

7 Buy

4 Hold

2 Sell

Moderate Buy

Current: 43.165

Low

Averages

56.73

High

Current: 43.165

Low

Averages

56.73

High

Truist

Arvind Ramnani

Buy

initiated

$59

AI Analysis

2026-01-06

Reason

Truist

Arvind Ramnani

Price Target

$59

AI Analysis

2026-01-06

initiated

Buy

Reason

Truist analyst Arvind Ramnani initiated coverage of Upstart with a Buy rating and $59 price target. From the company's inception, Upstart's core offering is anchored around GenAI, including its underwriting model, the analyst tells investors in a research note. While its model offers significant improvements to traditional credit models, it is still highly exposed to the credit cycle, and offers a levered way to play the U.S. easing rates and stable/improving consumer credit, Truist says.

Mizuho

Joseph Catanzaro

Outperform

initiated

$51

2025-12-17

Reason

Mizuho

Joseph Catanzaro

Price Target

$51

2025-12-17

initiated

Outperform

Reason

Mizuho analyst Joseph Catanzaro initiated coverage of Upstream Bio with an Outperform rating and $51 price target. The company's lead program verekitug is well positioned for a positive Phase II readout in asthma in Q1, the analyst tells investors in a research note. The firm projects $2.7B in risk-adjusted 2035 worldwide sales for verekitug and expects the positive Phase II data to drive share outperformance.

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UPST Should I Buy

UPST Should I Buy

Should You Buy Upstart Holdings Inc (UPST) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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