Upstart (UPST) – Research Analysts’ Recent Ratings Changes

A number of firms have modified their ratings and price targets on shares of Upstart (NASDAQ: UPST) recently:

• 2/17/2026 – Upstart was upgraded by analysts at Compass Point from a “sell” rating to a “neutral” rating. They now have a $30.00 price target on the stock, up previously from $20.00.
• 2/13/2026 – Upstart was upgraded by analysts at The Goldman Sachs Group, Inc. from a “sell” rating to a “neutral” rating. They now have a $35.00 price target on the stock, down previously from $44.00.
• 2/13/2026 – Upstart was downgraded by analysts at Citigroup Inc. from a “buy” rating to a “strong sell” rating.
• 2/13/2026 – Upstart had its “market underperform” rating reaffirmed by analysts at Citizens Jmp. They now have a $20.00 price target on the stock.
• 2/11/2026 – Upstart had its price target lowered by analysts at Truist Financial Corporation from $59.00 to $49.00. They now have a “buy” rating on the stock.
• 2/11/2026 – Upstart had its “buy” rating reaffirmed by analysts at Needham & Company LLC. They now have a $56.00 price target on the stock.
• 1/6/2026 – Upstart is now covered by analysts at Truist Financial Corporation. They set a “buy” rating and a $59.00 price target on the stock.
• 1/6/2026 – Upstart is now covered by analysts at Truist Financial Corporation. They set a “buy” rating and a $59.00 price target on the stock.
• 12/29/2025 – Upstart had its “sell (d+)” rating reaffirmed by analysts at Weiss Ratings.
• 12/22/2025 – Upstart had its “sell (d+)” rating reaffirmed by analysts at Weiss Ratings.

Insider Buying and Selling

In other Upstart news, CFO Sanjay Datta sold 13,624 shares of the firm’s stock in a transaction dated Thursday, November 20th. The shares were sold at an average price of $36.58, for a total transaction of $498,365.92. Following the completion of the transaction, the chief financial officer directly owned 284,280 shares in the company, valued at approximately $10,398,962.40. This trade represents a 4.57% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which can be accessed through this link. Also, insider Natalia Mirgorodskaya sold 821 shares of the company’s stock in a transaction dated Thursday, November 20th. The shares were sold at an average price of $36.62, for a total transaction of $30,065.02. Following the completion of the sale, the insider directly owned 27,160 shares in the company, valued at $994,599.20. This trade represents a 2.93% decrease in their position. The SEC filing for this sale provides additional information. Over the last ninety days, insiders sold 16,707 shares of company stock valued at $633,080. 16.67% of the stock is owned by insiders.

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.