Upstart Holdings, Inc.

NasdaqGS:UPST 株式レポート

時価総額：US$3.0b

Upstart Holdings 将来の成長

Future 基準チェック /66

Upstart Holdings利益と収益がそれぞれ年間58.5%と21.5%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に33.3% 55%なると予測されています。

主要情報

58.5%

収益成長率

54.98%

EPS成長率

Consumer Finance 収益成長18.9%
収益成長率21.5%
将来の株主資本利益率33.31%
アナリストカバレッジ

Good

最終更新日09 Jun 2026

今後の成長に関する最新情報

Recent updates

ナラティブの更新 • 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.
Seeking Alpha • May 30

Big Insiders Are Buying Upstart Stock Again

Summary Upstart is upgraded to a neutral rating, driven by significant insider buying despite ongoing risks. UPST posted 44% YoY revenue growth and 61% YoY transaction volume growth, but profitability contracted due to margin pressures. Management guides for 34.6% revenue growth in 2024 and targets 35% annual growth through 2028, supported by rapid expansion in auto and home loan originations. While UPST trades at 2x sales and offers upside in bullish scenarios, cyclicality and modest GAAP profitability may limit valuation expansion. Read the full article on Seeking Alpha
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
分析記事 • 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...
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
分析記事 • 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...
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
分析記事 • 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...
ナラティブの更新 • 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.
分析記事 • 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...
分析記事 • 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 Alpha
Seeking Alpha • Mar 28

Upstart: One Meme Stock Worth Buying Amidst The Chaos (Rating Upgrade)

Summary Upstart has shown strong execution, with improved underwriting algorithms boosting top-line growth. The company has seen revenue growth accelerate and management expects further acceleration into 2025. This acceleration in growth is expected to coincide with a return to GAAP profitability. I am upgrading my rating to buy. Read the full article on Seeking Alpha
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新しいナラティブ • Mar 20

Model 19 And HELOC Expansion Will Strengthen Underwriting And Funding

Improvements in underwriting, automation, and personalization enhance loan approval rates, lower costs, and reduce default risks, positively impacting revenue and net margins.
分析記事 • Mar 11

Upstart Holdings, Inc. (NASDAQ:UPST) Shares Slammed 31% But Getting In Cheap Might Be Difficult Regardless

Upstart Holdings, Inc. ( NASDAQ:UPST ) shareholders that were waiting for something to happen have been dealt a blow...

業績と収益の成長予測

NasdaqGS:UPST - アナリストの将来予測と過去の財務データ ( )USD Millions
日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数
12/31/20282,3413623944376
12/31/20271,85622018520114
12/31/20261,41511029632114
3/31/20261,17449-287-268N/A
12/31/20251,07654-166-148N/A
9/30/202599832-385-367N/A
6/30/2025885-6-82-65N/A
3/31/2025759-66114129N/A
12/31/2024677-129176186N/A
9/30/2024605-168143152N/A
6/30/2024576-202-144-135N/A
3/31/2024577-17508N/A
12/31/2023548-240-124-112N/A
9/30/2023546-253-234-219N/A
6/30/2023562-269-231-213N/A
3/31/2023652-271-507-484N/A
12/31/2022853-109-681-658N/A
9/30/20221,0076-457-433N/A
6/30/20221,07691-311-288N/A
3/31/20221,041158-161-142N/A
12/31/2021852135153168N/A
9/30/202163476237248N/A
6/30/202147249215222N/A
3/31/20212979140145N/A
12/31/2020241N/A1016N/A
9/30/20202216-51-42N/A
12/31/20191910N/A32N/A
12/31/2018126-12N/A50N/A
12/31/201767-8N/A10N/A

アナリストによる今後の成長予測

収入対貯蓄率: UPSTの予測収益成長率 (年間58.5% ) は 貯蓄率 ( 3.5% ) を上回っています。

収益対市場: UPSTの収益 ( 58.5% ) はUS市場 ( 17.9% ) よりも速いペースで成長すると予測されています。

高成長収益: UPSTの収益は今後 3 年間で 大幅に 増加すると予想されています。

収益対市場: UPSTの収益 ( 21.5% ) US市場 ( 12.5% ) よりも速いペースで成長すると予測されています。

高い収益成長: UPSTの収益 ( 21.5% ) 20%よりも速いペースで成長すると予測されています。

一株当たり利益成長率予想

将来の株主資本利益率

将来のROE: UPSTの 自己資本利益率 は、3年後には高くなると予測されています ( 33.3 %)

成長企業の発掘

7D

1Y

7D

1Y

7D

1Y

企業分析と財務データの現状

データ最終更新日（UTC時間）
企業分析2026/06/10 11:13
終値2026/06/10 00:00
収益2026/03/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

Upstart Holdings, Inc. 14 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。16

アナリスト機関
Ramsey El-AssalBarclays
Mihir BhatiaBofA Global Research
Harold GoetschB. Riley Securities, Inc.