Upstart Holdings, Inc. (NASDAQ:UPST) Receives Consensus Rating of “Hold” from Brokerages

Upstart Holdings, Inc. (NASDAQ:UPST) has been assigned an average rating of “Hold” from the seventeen analysts that are presently covering the stock, MarketBeat Ratings reports. Two equities research analysts have rated the stock with a sell rating, seven have issued a hold rating and eight have given a buy rating to the company. The average 12 month price target among brokerages that have issued a report on the stock in the last year is $43.9333.

A number of research firms recently weighed in on UPST. Jefferies Financial Group reiterated a “hold” rating and issued a $30.00 price target on shares of Upstart in a research report on Tuesday, June 9th. Weiss Ratings downgraded Upstart from a “sell (d+)” rating to a “sell (d)” rating in a report on Wednesday, May 6th. Truist Financial set a $40.00 price objective on shares of Upstart in a research note on Wednesday, May 6th. Needham & Company LLC lifted their target price on shares of Upstart from $37.00 to $40.00 and gave the stock a “buy” rating in a research report on Tuesday, July 7th. Finally, BTIG Research restated a “buy” rating and set a $43.00 price target on shares of Upstart in a report on Tuesday, July 7th.

More Upstart News

Here are the key news stories impacting Upstart this week:

• Positive Sentiment: Revenue exceeded expectations: Upstart reported approximately $365 million in second-quarter revenue, a 42% year-over-year increase and above Wall Street’s roughly $352 million estimate. The top-line performance was the clearest positive catalyst for UPST. Why Is UPST Stock Surging Over 11% Overnight?
• Positive Sentiment: Funding momentum supports growth prospects: Investor enthusiasm remains tied to more than $4 billion in recently committed capital, including agreements involving Fortress, Centerbridge and Neuberger. Greater funding availability could help Upstart expand loan originations and reduce the platform’s dependence on individual funding partners. Upstart Rallies Ahead of Earnings as Investors Focus on Funding Momentum
• Positive Sentiment: Potentially simpler operating structure: Conditional OCC approval to establish Upstart Bank was viewed as a step that could reduce operational, regulatory and financial complexity over time. Upstart Rallies Ahead of Earnings as Investors Focus on Funding Momentum
• Neutral Sentiment: Full-year outlook was broadly in line: Upstart guided to approximately $1.4 billion in fiscal 2026 revenue, matching consensus expectations. This supports the recovery narrative but does not represent a material forecast upgrade. Upstart Announces Second Quarter 2026 Results
• Negative Sentiment: Earnings details were mixed: One earnings report cited EPS of $0.16 versus a $0.19 consensus estimate, while a separate Zacks report listed $0.59 versus $0.58. The conflicting figures warrant caution, although investors appear to have prioritized revenue growth. Upstart Earnings Report
• Negative Sentiment: Insider selling remains a risk signal: Insiders made substantially more sales than purchases over the past six months, which may temper enthusiasm around the stock’s recovery. Upstart Rallies Ahead of Earnings as Investors Focus on Funding Momentum

Upstart Trading Up 3.0%

Shares of NASDAQ UPST opened at $30.32 on Wednesday. The company has a market cap of $2.90 billion, a price-to-earnings ratio of 79.79, a price-to-earnings-growth ratio of 0.78 and a beta of 2.29. Upstart has a 12-month low of $23.97 and a 12-month high of $85.31. The stock’s 50 day simple moving average is $31.31 and its 200 day simple moving average is $31.58.

Upstart (NASDAQ:UPST) last released its quarterly earnings results on Tuesday, August 4th. The company reported $0.16 EPS for the quarter, missing the consensus estimate of $0.19 by ($0.03). The firm had revenue of $364.71 million for the quarter, compared to the consensus estimate of $352.29 million. Upstart had a return on equity of 5.63% and a net margin of 4.34%.The firm’s revenue was up 41.9% on a year-over-year basis. During the same quarter in the prior year, the company posted $0.36 EPS. As a group, equities analysts forecast that Upstart will post 0.92 earnings per share for the current fiscal year.

Insider Activity

In other news, Director Dave Girouard bought 170,240 shares of the business’s stock in a transaction on Thursday, May 7th. The shares were bought at an average cost of $29.37 per share, with a total value of $4,999,948.80. Following the purchase, the director directly owned 8,512,941 shares in the company, valued at $250,025,077.17. This trade represents a 2.04% increase in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which can be accessed through the SEC website. Also, insider Natalia Mirgorodskaya sold 974 shares of the stock in a transaction on Tuesday, May 26th. The shares were sold at an average price of $28.99, for a total value of $28,236.26. Following the completion of the sale, the insider owned 37,374 shares of the company’s stock, valued at $1,083,472.26. The trade was a 2.54% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last 90 days, insiders sold 33,346 shares of company stock worth $991,672. 17.29% of the stock is owned by corporate insiders.

Hedge Funds Weigh In On Upstart

A number of hedge funds have recently modified their holdings of the stock. AQR Capital Management LLC raised its stake in shares of Upstart by 89.5% during the 1st quarter. AQR Capital Management LLC now owns 96,706 shares of the company’s stock worth $4,451,000 after purchasing an additional 45,664 shares in the last quarter. Integrated Wealth Concepts LLC grew its stake in shares of Upstart by 13.8% in the 1st quarter. Integrated Wealth Concepts LLC now owns 4,628 shares of the company’s stock valued at $213,000 after buying an additional 563 shares in the last quarter. NewEdge Advisors LLC increased its holdings in Upstart by 20.0% in the first quarter. NewEdge Advisors LLC now owns 1,997 shares of the company’s stock worth $92,000 after buying an additional 333 shares during the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC increased its holdings in Upstart by 18.7% in the first quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 173,017 shares of the company’s stock worth $7,964,000 after buying an additional 27,287 shares during the last quarter. Finally, Acadian Asset Management LLC bought a new position in Upstart during the first quarter valued at approximately $208,000. 63.01% of the stock is owned by institutional investors and hedge funds.

Upstart Company Profile

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.