Upstart Holdings (UPST) 주식 개요
는 자회사와 함께 미국에서 클라우드 기반 인공지능(AI) 대출 플랫폼을 운영하고 있습니다. 자세히 보기
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Analyst Price Targets
Upstart Holdings, Inc. 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$30.30 |
| 52주 최고가 | US$76.95 |
| 52주 최저가 | US$23.97 |
| 베타 | 2.16 |
| 1개월 변동 | 5.80% |
| 3개월 변동 | 6.09% |
| 1년 변동 | -55.99% |
| 3년 변동 | 1.37% |
| 5년 변동 | -86.42% |
| IPO 이후 변동 | 2.82% |
최근 뉴스 및 업데이트
내러티브 업데이트 • Aug 14
UPST: Bank Charter And Funding Dependence Will Drive Future Downside Risk
Upstart Holdings' analyst price target has edged higher to $21.01 from $20.00 as analysts factor in steady revenue growth assumptions, a slightly higher discount rate, modestly lower profit margin expectations, and a higher future P/E multiple supported by recent research highlighting core personal loan strength, record contribution profit, and a still supportive funding backdrop. Analyst Commentary Recent Street research on Upstart Holdings presents a mixed picture.Seeking Alpha • Aug 06
Upstart: 27% Short Interest, GAAP Profitability, And 42% Growth
Summary Upstart delivered strong Q2 results with 50% YoY originations growth and 42% revenue growth, returning to GAAP profitability. I maintain a "Neutral" rating on UPST, citing valuation compression as investors compare it to traditional lenders despite its AI-driven underwriting. Management reaffirmed $1.3 billion revenue guidance and a 21% adjusted EBITDA margin for 2026, targeting 35% annual revenue growth over three years. While UPST trades at ~6x 2028e earnings, meaningful margin expansion and operating leverage are critical for potential upside from current levels. Read the full article on Seeking AlphaRecent updates
내러티브 업데이트 • Aug 14
UPST: Bank Charter And Funding Dependence Will Drive Future Downside Risk
Upstart Holdings' analyst price target has edged higher to $21.01 from $20.00 as analysts factor in steady revenue growth assumptions, a slightly higher discount rate, modestly lower profit margin expectations, and a higher future P/E multiple supported by recent research highlighting core personal loan strength, record contribution profit, and a still supportive funding backdrop. Analyst Commentary Recent Street research on Upstart Holdings presents a mixed picture.Seeking Alpha • Aug 06
Upstart: 27% Short Interest, GAAP Profitability, And 42% Growth
Summary Upstart delivered strong Q2 results with 50% YoY originations growth and 42% revenue growth, returning to GAAP profitability. I maintain a "Neutral" rating on UPST, citing valuation compression as investors compare it to traditional lenders despite its AI-driven underwriting. Management reaffirmed $1.3 billion revenue guidance and a 21% adjusted EBITDA margin for 2026, targeting 35% annual revenue growth over three years. While UPST trades at ~6x 2028e earnings, meaningful margin expansion and operating leverage are critical for potential upside from current levels. Read the full article on Seeking Alpha
내러티브 업데이트 • Jul 30
UPST: Bank Charter And Castlelake Funding Will Reset Credit Risk Perception
Analysts have reduced the fair value estimate for Upstart Holdings from about $67.26 to roughly $59.33. This reflects updated price targets that factor in revised expectations for personal loan market growth, along with continued support from funding conditions and consumer credit trends.내러티브 업데이트 • Jul 16
UPST: Renewed Neuberger Funding And Bank Charter Pursuit Will Reset Credit Risk Perception
Upstart Holdings' updated analyst price target, which now reflects a trim in fair value from about $74 to roughly $67, comes as analysts factor in a slightly lower revenue growth outlook, a modestly reduced discount rate, a small uptick in expected profit margins, and Street research citing steady origination trends and a more supportive backdrop for consumer fintech stocks. Analyst Commentary Recent Street research on Upstart Holdings highlights mixed views overall, but the latest changes in price targets point to a group of bullish analysts who see support from origination trends, funding access, and execution on key priorities.
내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.분석 기사 • 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...내러티브 업데이트 • 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.분석 기사 • 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...주주 수익률
| UPST | US Consumer Finance | US 시장 | |
|---|---|---|---|
| 7D | -0.4% | -1.7% | -1.5% |
| 1Y | -56.0% | 1.4% | 17.9% |
수익률 대 산업: UPST은 지난 1년 동안 1.4%의 수익을 기록한 US Consumer Finance 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: UPST은 지난 1년 동안 17.9%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| UPST volatility | |
|---|---|
| UPST Average Weekly Movement | 8.5% |
| Consumer Finance Industry Average Movement | 7.8% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.1% |
안정적인 주가: UPST는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: UPST의 주간 변동성(8%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 2012 | 1,405 | Paul Gu | www.upstart.com |
는 자회사와 함께 미국에서 클라우드 기반 인공지능(AI) 대출 플랫폼을 운영하고 있습니다. 이 회사는 세 가지 부문을 통해 운영됩니다: 개인 대출, 자동차 대출 및 기타. 이 플랫폼에는 무담보 개인 대출, 소액 대출, 자동차 재융자, 자동차 소매 대출, 자동차 담보 개인 대출, 주택 담보 신용 한도 등이 있습니다.
Upstart Holdings, Inc. 기초 지표 요약
| UPST 기초 통계 | |
|---|---|
| 시가총액 | US$2.81b |
| 순이익 (TTM) | US$60.33m |
| 매출 (TTM) | US$1.29b |
48.9x
주가수익비율(P/E)2.3x
주가매출비율(P/S)UPST는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| UPST 손익계산서 (TTM) | |
|---|---|
| 매출 | US$1.29b |
| 매출원가 | US$218.04m |
| 총이익 | US$1.07b |
| 기타 비용 | US$1.01b |
| 순이익 | US$60.33m |
최근 보고된 실적
Jun 30, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 0.62 |
| 총이익률 | 83.04% |
| 순이익률 | 4.69% |
| 부채/자본 비율 | 255.2% |
UPST의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/08/21 10:34 |
| 종가 | 2026/08/21 00:00 |
| 수익 | 2026/06/30 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
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산업 및 섹터 지표
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분석가 소스
Upstart Holdings, Inc.는 16명의 분석가가 다루고 있습니다. 이 중 14명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Ramsey El-Assal | Barclays |
| Mihir Bhatia | BofA Global Research |
| Harold Goetsch | B. Riley Securities, Inc. |