Upstart Holdings, Inc.

NasdaqGS:UPST Stok Raporu

Piyasa değeri: US$3.0b

Upstart Holdings Gelecekteki Büyüme

Future kriter kontrolleri 6/6

Upstart Holdings kazanç ve gelirin sırasıyla yıllık 58.9% ve 21.5% oranında artacağı tahmin edilmektedir. EPS'nin yıllık 55.6% oranında büyümesi beklenmektedir. Özkaynak kârlılığının 3 yıl içinde 33.3% olacağı tahmin edilmektedir.

Anahtar bilgiler

58.9%

Kazanç büyüme oranı

55.56%

EPS büyüme oranı

Consumer Finance kazanç büyümesi18.9%
Gelir büyüme oranı21.5%
Gelecekteki özkaynak getirisi33.31%
Analist kapsamı

Good

Son güncelleme09 Jun 2026

Gelecekteki son büyüme güncellemeleri

Recent updates

Anlatı Güncellemesi • 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
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Analiz Makalesi • 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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Yeni Anlatı • 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.
Analiz Makalesi • 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...

Kazanç ve Gelir Büyüme Tahminleri

NasdaqGS:UPST - Analistlerin gelecek tahminleri ve geçmiş finansal verileri (USD Millions )
TarihGelirKazançlarSerbest Nakit AkışıFaaliyetlerden NakitAvg. Analist Sayısı
12/31/20282,3413623944376
12/31/20271,85622318520114
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

Analist Gelecek Büyüme Tahminleri

Kazançlar ve Tasarruf Oranları: UPST 'nin tahmini kazanç büyümesi (yıllık 58.9% ) tasarruf oranının ( 3.5% ) üzerindedir.

Kazançlar ve Piyasa: UPST şirketinin kazançlarının (yıllık 58.9% ) US pazarından (yıllık 17.1% ) daha hızlı büyümesi öngörülüyor.

Yüksek Büyüme Kazançları: UPST şirketinin kazançlarının önümüzdeki 3 yıl içerisinde önemli ölçüde artması bekleniyor.

Gelir ve Pazar: UPST şirketinin gelirinin (yıllık 21.5% ) US pazarından (yıllık 11.9% ) daha hızlı büyümesi öngörülüyor.

Yüksek Büyüme Geliri: UPST şirketinin gelirinin (yıllık 21.5% ) yıllık 20% dan daha hızlı büyümesi öngörülüyor.

Hisse Başına Kazanç Büyüme Tahminleri

Gelecekteki Özkaynak Getirisi

Gelecekteki ROE: UPST 'in Özsermaye Getirisi'nin 3 yıl içinde yüksek olması tahmin ediliyor ( 33.3 %)

Büyüyen şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/06/09 07:24
Gün Sonu Hisse Fiyatı2026/06/09 00:00
Kazançlar2026/03/31
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

Upstart Holdings, Inc. 16 Bu analistlerden 14, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

AnalistKurum
Ramsey El-AssalBarclays
Mihir BhatiaBofA Global Research
Harold GoetschB. Riley Securities, Inc.