Upstart Holdings (UPST) Panoramica del titolo
Upstart Holdings, Inc. gestisce, insieme alle sue controllate, una piattaforma di prestiti di intelligenza artificiale (AI) basata su cloud negli Stati Uniti. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 2/6 |
| Crescita futura | 6/6 |
| Prestazioni passate | 3/6 |
| Salute finanziaria | 3/6 |
| Dividendi | 0/6 |
UPST Community Fair Values
Create NarrativeSee what 218 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Concorrenti di Upstart Holdings, Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$34.33 |
| Massimo di 52 settimane | US$87.30 |
| Minimo di 52 settimane | US$23.97 |
| Beta | 2.27 |
| Variazione di 1 mese | 15.43% |
| Variazione a 3 mesi | 29.79% |
| Variazione di 1 anno | -55.04% |
| Variazione a 3 anni | -16.76% |
| Variazione a 5 anni | -73.57% |
| Variazione dall'IPO | 16.49% |
Notizie e aggiornamenti recenti
Seeking Alpha • Jul 03
Upstart: Promising Recovery Set Up Despite Potentially Lumpy Q2 2026; Reiterate Buy
Summary Upstart benefits from moderating macro risks, strong loan origination growth, and expanding funding partnerships, with the automated originations at 91% improving margins. The management reiterates strong FY2026/FY2028 guidance, with it underscoring a multi-year, profitable growth cadence despite the mixed FQ1'26 performance metrics. Readers are well advised to temper their expectations entering UPST's FQ2'26 earnings call, attributed to the likely lumpy loan originations during the prior Iran conflict. Otherwise, the stock remains compelling at a P/E of 14.95x and a 3Y PEG ratio of 0.40x against historical levels/peers, despite the recently outsized recovery from the March 2026 bottom. UPST remains a compelling Buy for the contrarian, despite the prolonged macroeconomic normalization, the high short interest at 28.03%, and the potentially lumpy FQ2'26 performance. Read the full article on Seeking Alpha
Aggiornamento della narrazione • Jul 02
UPST: Bank Charter And AI Underwriting Are Expected To Unlock Funding Upside
Analysts have trimmed their average fair value estimate for Upstart Holdings to about $40 from roughly $44. This reflects a mix of modestly higher revenue growth assumptions, slightly lower profit margin expectations, and updated P/E and discount rate inputs following recent price target changes across the Street.Articolo di analisi • Jun 19
Upstart Holdings (UPST) Stock Could Be 26% Undervalued After Needham Reaffirms Buy
A Needham analyst reaffirmed a positive rating on Upstart Holdings (UPST) after meetings with senior management, pointing to the company’s emphasis on near-prime personal loans and AI-driven underwriting as key themes drawing investor attention. See our latest analysis for Upstart Holdings. The Needham commentary dropped into a stock that has been volatile, with a 1 day share price return of 6.47% and a 30 day share price return of 15.49% helping to counter a year to date share price decline...
Aggiornamento della narrazione • Jun 18
UPST: Securities Lawsuit And Bank Charter Funding Risks Will Persist
Analysts have modestly increased their average price target for Upstart Holdings stock, with recent moves such as Jefferies raising its target to $30 and BofA lifting its target to $37. These changes cite updated views on the company’s focus on non-prime lending, new product verticals, bank charter progress, operating expense trends, and recent origination data.Recent updates
Seeking Alpha • Jul 03
Upstart: Promising Recovery Set Up Despite Potentially Lumpy Q2 2026; Reiterate Buy
Summary Upstart benefits from moderating macro risks, strong loan origination growth, and expanding funding partnerships, with the automated originations at 91% improving margins. The management reiterates strong FY2026/FY2028 guidance, with it underscoring a multi-year, profitable growth cadence despite the mixed FQ1'26 performance metrics. Readers are well advised to temper their expectations entering UPST's FQ2'26 earnings call, attributed to the likely lumpy loan originations during the prior Iran conflict. Otherwise, the stock remains compelling at a P/E of 14.95x and a 3Y PEG ratio of 0.40x against historical levels/peers, despite the recently outsized recovery from the March 2026 bottom. UPST remains a compelling Buy for the contrarian, despite the prolonged macroeconomic normalization, the high short interest at 28.03%, and the potentially lumpy FQ2'26 performance. Read the full article on Seeking AlphaAggiornamento della narrazione • Jul 02
UPST: Bank Charter And AI Underwriting Are Expected To Unlock Funding Upside
Analysts have trimmed their average fair value estimate for Upstart Holdings to about $40 from roughly $44. This reflects a mix of modestly higher revenue growth assumptions, slightly lower profit margin expectations, and updated P/E and discount rate inputs following recent price target changes across the Street.Articolo di analisi • Jun 19
Upstart Holdings (UPST) Stock Could Be 26% Undervalued After Needham Reaffirms Buy
A Needham analyst reaffirmed a positive rating on Upstart Holdings (UPST) after meetings with senior management, pointing to the company’s emphasis on near-prime personal loans and AI-driven underwriting as key themes drawing investor attention. See our latest analysis for Upstart Holdings. The Needham commentary dropped into a stock that has been volatile, with a 1 day share price return of 6.47% and a 30 day share price return of 15.49% helping to counter a year to date share price decline...Aggiornamento della narrazione • Jun 18
UPST: Securities Lawsuit And Bank Charter Funding Risks Will Persist
Analysts have modestly increased their average price target for Upstart Holdings stock, with recent moves such as Jefferies raising its target to $30 and BofA lifting its target to $37. These changes cite updated views on the company’s focus on non-prime lending, new product verticals, bank charter progress, operating expense trends, and recent origination data.Aggiornamento della narrazione • Jun 04
UPST: Funding Risks From Bank Charter And Lawsuit Are Likely To Persist
Analysts have trimmed their average price targets on Upstart Holdings by around $10 to $15 per share, citing broader cuts across consumer finance stocks and reassessments of funding and macro risks, even as some highlight potential upside from the company's bank charter application. Analyst Commentary Recent Street research on Upstart Holdings shows a clear tilt toward more conservative assumptions, with several bearish analysts trimming price targets in response to macro uncertainty and sector wide pressure across consumer finance stocks.Aggiornamento della narrazione • May 18
UPST: Funding Strains Will Likely Persist Despite Planned Bank Charter Pursuit
Analysts have lowered their price targets on Upstart Holdings by $3 to $15 to reflect reduced assumed revenue growth, a slightly lower discount rate, and a decreased future P/E multiple, while maintaining fair value at around $20 and making modest adjustments to long-term profit margin expectations. Analyst Commentary Recent Street research on Upstart Holdings shows a cluster of price target cuts across several firms, with only a few more supportive voices highlighting potential upside tied to specific catalysts such as the bank application and new product launches.Aggiornamento della narrazione • Apr 30
UPST: Bank Charter Pursuit And GenAI Underwriting Are Expected To Drive Upside
Analysts have trimmed their average price target for Upstart Holdings, with fair value estimates moving from about $56.64 to $43.93 as several firms cut targets by $4 to $15 while highlighting mixed views on funding risk, earnings potential, and the impact of the company's bank charter ambitions. Analyst Commentary Recent research on Upstart shows a split between analysts who see improving risk and earnings potential and those who remain cautious on funding, macro sensitivity, and valuation.Aggiornamento della narrazione • Apr 15
UPST: Bank Charter Effort Will Likely Fail To Offset Mounting Funding Risks
Analysts have reset the fair value estimate for Upstart Holdings to $20.00 from $40.17, reflecting lower price targets across several firms while still noting possible earnings upside and reduced funding risk tied to the company's bank charter efforts and new product launches. Analyst Commentary Recent Street research around Upstart reflects a split view, with some firms flagging upside tied to the bank charter effort and new products, while others are trimming price targets and staying cautious on execution and funding.
Aggiornamento della narrazione • Apr 01
UPST: Bank Charter Pursuit Will Reset Perceived Credit Cycle Risk
Analysts have trimmed their fair value estimate for Upstart Holdings from $76.84 to $74.12. This reflects a lower average price target across recent research that factors in mixed rating changes, reduced targets tied to market multiples, and ongoing discussion around funding risk and the potential impact of a bank charter.Aggiornamento della narrazione • Mar 18
UPST: Bank Charter And GenAI Underwriting Will Reset Perceived Credit Cycle Risk
Analysts have trimmed the blended price target for Upstart Holdings to reflect a fair value estimate of about $76.84, compared with $80.00 previously, citing updated assumptions around discount rates, revenue growth, profit margins and future P/E in light of recent rating changes and mixed price target moves across the Street. Analyst Commentary Bullish analysts are starting to frame Upstart as a higher conviction idea for investors who are comfortable with its credit cycle exposure and funding profile.Aggiornamento della narrazione • Mar 04
UPST: GenAI Credit Model And New Access Product Will Reprice Risk
Analysts have modestly adjusted their price targets on Upstart Holdings toward the low to mid $30 range, reflecting mixed views that balance the launch of the Cash Line earned wage access product with tempered assumptions for revenue growth, profit margins, and future P/E multiples. Analyst Commentary Recent Street research paints a mixed but more constructive picture for Upstart Holdings, as several firms reassess both rating and valuation in light of new products and updated long term forecasts.Aggiornamento della narrazione • Feb 18
UPST: GenAI Underwriting And Rate Easing Are Expected To Reprice Risk
Analysts have nudged their price targets on Upstart higher toward $30, reflecting updated views that its GenAI driven underwriting model and ambitious long term outlook could justify current valuations if execution stays on track. Analyst Commentary Recent Street research paints a mixed but incrementally more constructive picture, with several bullish analysts highlighting how Upstart's GenAI centric underwriting model and long term plans could eventually line up with current valuation levels if management hits its targets.Articolo di analisi • Feb 05
Upstart Holdings, Inc.'s (NASDAQ:UPST) Popularity With Investors Under Threat As Stock Sinks 25%
The Upstart Holdings, Inc. ( NASDAQ:UPST ) share price has softened a substantial 25% over the previous 30 days...Aggiornamento della narrazione • Feb 03
UPST: GenAI Underwriting And Easing Rates Are Expected To Drive Upside
Narrative Update: Upstart Holdings (UPST) The analyst price target for Upstart Holdings has edged higher to about $56.64 from $56.29. Analysts attribute this to its GenAI-centered underwriting model and recent research updates, including a new US$59 target and a revised US$65 target.Aggiornamento della narrazione • Jan 20
UPST: GenAI Credit Model And New Partnerships Will Support Share Recovery
Narrative Update: Upstart Holdings Analysts have nudged their implied fair value estimate for Upstart Holdings higher from about US$55.38 to roughly US$56.29 per share, citing Street research that highlights the company's GenAI-focused underwriting model, mixed but closely watched recent results, and updated price targets in the range of US$59 to US$65. Analyst Commentary Recent Street research around Upstart highlights a split view, with some bullish analysts focusing on the company’s GenAI-driven underwriting model and others stressing its sensitivity to credit conditions and recent mixed quarterly results.Aggiornamento della narrazione • Jan 06
UPST: GenAI Underwriting And Easing Rates Will Support Medium-Term Earnings Power
Analysts have adjusted their price targets on Upstart Holdings to around $59 to $65 per share. This reflects their view that the company's GenAI driven underwriting model offers material improvements over traditional credit models, while still being closely tied to the credit cycle and interest rate trends.Aggiornamento della narrazione • Dec 14
UPST: Improving Margins Will Support Medium-Term Earnings Power Despite Credit Headwinds
Analysts have reduced their fair value estimate for Upstart Holdings to $80.00 from $105.00, citing lower expected revenue growth, a higher discount rate, and concerns about rising delinquencies that have led to Street price target cuts, even as profit margin expectations improve. Analyst Commentary Recent Street commentary on Upstart Holdings reflects a nuanced but increasingly constructive stance among bullish analysts, who argue that the pullback in the stock has created a more attractive risk reward profile despite near term macro and credit headwinds.Articolo di analisi • Dec 11
Optimistic Investors Push Upstart Holdings, Inc. (NASDAQ:UPST) Shares Up 25% But Growth Is Lacking
Those holding Upstart Holdings, Inc. ( NASDAQ:UPST ) shares would be relieved that the share price has rebounded 25% in...Aggiornamento della narrazione • Nov 29
UPST: Continued Partnerships Will Drive Share Recovery Despite Delinquency Concerns
Analysts have modestly lowered their price target for Upstart Holdings, now expecting shares to reach approximately $65. They cite a mixed quarterly report along with increasing delinquencies seen in recent loan performance data.Aggiornamento della narrazione • Nov 15
UPST: Mixed Financials Will Be Offset By Expanding Personal Loan Partnerships
Upstart Holdings’ analyst price target has been revised downward from approximately $75 to $55. Analysts cite mixed quarterly results and rising delinquency trends as key factors in the reassessment.Aggiornamento della narrazione • Nov 01
UPST: Raised Guidance And Credit Union Partnerships Will Drive Momentum Ahead
The consensus analyst price target for Upstart Holdings has been slightly decreased by less than $1 as analysts weigh accelerating delinquencies in older loan vintages against a recent quarterly beat and raised guidance. Analyst Commentary Recent Street research presents a mixed outlook for Upstart Holdings, reflecting both optimism and caution among analysts as they assess the company's latest financial results and developing loan trends.Aggiornamento della narrazione • Oct 18
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Analysts have lowered their fair value estimate for Upstart Holdings from $79.54 to $75.46. They cite concerns over increasing delinquency rates in older loan vintages, as well as a slight adjustment in projected revenue growth and discount rate metrics.Aggiornamento della narrazione • Oct 04
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Analysts have slightly lowered their fair value estimate for Upstart Holdings from approximately $80.85 to $79.54. They cite concerns about rising delinquencies in recent loan vintages and possible risks to future transaction volume.Articolo di analisi • Sep 30
Upstart Holdings, Inc. (NASDAQ:UPST) May Have Run Too Fast Too Soon With Recent 28% Price Plummet
The Upstart Holdings, Inc. ( NASDAQ:UPST ) share price has fared very poorly over the last month, falling by a...Aggiornamento della narrazione • Aug 07
Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding
Despite a reduction in consensus revenue growth forecasts, a notable improvement in net profit margin has driven the consensus analyst price target for Upstart Holdings up from $67.36 to $76.86. What's in the News Upstart provided Q3 2025 guidance of $280 million revenue with a GAAP net loss of $9 million; full-year 2025 guidance is $1.055 billion revenue and $35 million GAAP net income.Articolo di analisi • Jul 08
Investors Appear Satisfied With Upstart Holdings, Inc.'s (NASDAQ:UPST) Prospects As Shares Rocket 41%
Upstart Holdings, Inc. ( NASDAQ:UPST ) shares have continued their recent momentum with a 41% gain in the last month...Articolo di analisi • May 04
Upstart Holdings, Inc.'s (NASDAQ:UPST) P/S Is Still On The Mark Following 44% Share Price Bounce
Upstart Holdings, Inc. ( NASDAQ:UPST ) shareholders are no doubt pleased to see that the share price has bounced 44% in...Seeking Alpha • Apr 30
Upstart: Revisiting The Bull Case Amid Macroeconomic Uncertainties
Summary After investing in Upstart stock in early 2021, I enjoyed the stellar stock market rally that pushed the stock over $400 before it crashed to just $15. 2024 marked a strong year for Upstart as the company made notable progress on the back of interest rate stability and AI model enhancements. New features introduced by Model 19 should help Upstart achieve consistent model calibration in addition to better risk separation. As discussed in this analysis, UPST needs to tick three boxes to ensure long-term growth. Encouragingly, the company has made progress on all these fronts. Read the full article on Seeking AlphaRendimenti per gli azionisti
| UPST | US Consumer Finance | US Mercato | |
|---|---|---|---|
| 7D | -2.0% | 2.9% | 0.8% |
| 1Y | -55.0% | 4.3% | 20.2% |
Ritorno vs Industria: UPST ha avuto una performance inferiore rispetto al US Consumer Finance che ha registrato un rendimento 4.3 % nell'ultimo anno.
Rendimento vs Mercato: UPST ha avuto una performance inferiore al mercato US che ha registrato un rendimento 20.2 % nell'ultimo anno.
Volatilità dei prezzi
| UPST volatility | |
|---|---|
| UPST Average Weekly Movement | 9.6% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Prezzo delle azioni stabile: UPST non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 10% ) di UPST è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 2012 | 1,405 | Paul Gu | www.upstart.com |
Upstart Holdings, Inc. insieme alle sue consociate, gestisce una piattaforma di prestiti di intelligenza artificiale (AI) basata su cloud negli Stati Uniti. La società opera attraverso tre segmenti: Prestiti personali, Prestiti auto e Altro. La sua piattaforma comprende prestiti personali non garantiti, prestiti per piccoli importi, rifinanziamenti auto, prestiti al dettaglio auto, prestiti personali garantiti auto e linee di credito per la casa.
Upstart Holdings, Inc. Riepilogo dei fondamenti
| UPST statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$3.33b |
| Utili (TTM) | US$49.40m |
| Ricavi(TTM) | US$1.17b |
66.5x
Rapporto P/E2.8x
Rapporto P/SUPST è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| UPST Conto economico (TTM) | |
|---|---|
| Ricavi | US$1.17b |
| Costo del fatturato | US$202.97m |
| Profitto lordo | US$970.74m |
| Altre spese | US$921.34m |
| Utili | US$49.40m |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
n/a
| Utile per azione (EPS) | 0.52 |
| Margine lordo | 82.71% |
| Margine di profitto netto | 4.21% |
| Rapporto debito/patrimonio netto | 267.5% |
Come si è comportato UPST nel lungo periodo?
Vedi performance storica e confrontoAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/07/06 16:46 |
| Prezzo dell'azione a fine giornata | 2026/07/06 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; disponiamo inoltre di guide su come utilizzare i nostri report e di tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Upstart Holdings, Inc. è coperta da 16 analisti. 14 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Ramsey El-Assal | Barclays |
| Mihir Bhatia | BofA Global Research |
| Harold Goetsch | B. Riley Securities, Inc. |