Upstart HoldingsUPST
UPST
About: Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. Upstart's platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.
Employees: 1,193
0
Funds holding %
of 7,139 funds
0
Analysts bullish %
of 10 analysts
Fund manager confidence
Based on 2024 Q4 regulatory filings by fund managers ($100M+ AUM)
80% more capital invested
Capital invested by funds: $1.99B [Q3] → $3.58B (+$1.59B) [Q4]
79% more first-time investments, than exits
New positions opened: 100 | Existing positions closed: 56
9% more funds holding
Funds holding: 341 [Q3] → 373 (+32) [Q4]
7.93% more ownership
Funds ownership: 56.03% [Q3] → 63.96% (+7.93%) [Q4]
2% more repeat investments, than reductions
Existing positions increased: 109 | Existing positions reduced: 107
19% less call options, than puts
Call options by funds: $1.1B | Put options by funds: $1.36B
Research analyst outlook
10 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$15
79%
downside
Avg. target
$82
14%
upside
High target
$108
50%
upside
10 analyst ratings
5 positive
50%
3 neutral
30%
2 negative
20%
Barclays Ramsey El-Assal 70% 1-year accuracy 40 / 57 met price target | 30%upside $93 | Equal-Weight Maintained | 18 Feb 2025 |
Morgan Stanley James Faucette 75% 1-year accuracy 21 / 28 met price target | 2%downside $70 | Equal-Weight Upgraded | 14 Feb 2025 |
Citigroup Peter Christiansen 76% 1-year accuracy 13 / 17 met price target | 50%upside $108 | Buy Maintained | 13 Feb 2025 |
Goldman Sachs Michael Ng 80% 1-year accuracy 24 / 30 met price target | 79%downside $15 | Sell Maintained | 12 Feb 2025 |
B of A Securities Nat Schindler 71% 1-year accuracy 10 / 14 met price target | 46%downside $39 | Underperform Maintained | 12 Feb 2025 |
Financial journalist opinion
Based on 55 articles about UPST published over the past 30 days
Positive
The Motley Fool
1 day ago
Think Upstart Stock Is Expensive? This Table Might Change Your Mind.
Lending technology company Upstart (UPST -4.69%) has been one of the best performers in the stock market recently, with shares up by 236% over the past year as I write this. And while the company has produced a series of impressive earnings reports over the past three quarters, a valuation of about 12 times sales might seem expensive to many investors.
Positive
The Motley Fool
2 days ago
Better Stock to Buy: Upstart vs. Pagaya
Upstart Holdings (UPST -4.35%) and Pagaya Technologies (PGY -2.65%) offer similar consumer credit evaluation products, using artificial intelligence (AI) to assess credit risk faster and with more accuracy than the traditional credit scoring model. They both released excellent earnings reports last week, and their stocks jumped accordingly.
Positive
The Motley Fool
2 days ago
This Stock Has Gained 293% in 1 Year -- Here's Why It Could Keep Climbing
Lending technology platform Upstart (UPST -4.35%) has been one of the stock market's best performers, with shares nearly quadrupling in just one year. However, if the company keeps doing what it has been doing, there could be more upside ahead.
Positive
The Motley Fool
2 days ago
This Artificial Intelligence (AI) Stock Is Up 155% Over the Past Year, and Here's Why It Could Keep Soaring (Hint: It's Not Palantir or Nvidia)
The stock market has been on a tear over the last couple of years. The S&P 500 delivered back-to-back annual gains of over 25% during 2023 and 2024, something it has only done on one other occasion since it was established (during the dot-com internet boom in 1997 and 1998).
Neutral
Business Wire
2 days ago
Upstart Appoints Peter Bernard to Its Board of Directors
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Appoints Peter Bernard to Its Board of Directors.
Neutral
Business Wire
2 days ago
Holyoke Credit Union Selects Upstart for Personal Lending
HOLYOKE, Mass. & SAN MATEO, Calif.--(BUSINESS WIRE)--Holyoke Credit Union Selects Upstart for Personal Lending.
Positive
Seeking Alpha
3 days ago
Upstart: Strong Buy Rating Ahead Of Projected $1 Billion Revenue In 2025
Upstart: Strong Buy Rating Ahead Of Projected $1 Billion Revenue In 2025
Positive
Investors Business Daily
3 days ago
Upstart, Stock Of The Day, Flirts With Buy Point After 236% Rally
"AI lending marketplace" Upstart Holdings is seeing explosive growth. Even better, it's on the brink of a return to profits.
Positive
Seeking Alpha
3 days ago
Upstart: Expensive Fintech Play
Upstart reported strong Q4 results with $0.29 EPS and $219M in revenue, driven by fee revenue growth and an improved lending environment. Platform metrics like conversion rates continued to improve and the Fintech expects at least break-even on a GAAP income level. Upstart's Q1'25 and FY 2025 outlooks are optimistic, but risks include a potential loss in revenue momentum if federal fund rates rise.
Positive
The Motley Fool
4 days ago
It's a New Era for Upstart. Why the AI Stock Is a Screaming Buy.
Shares of Upstart (UPST -2.07%) soared last week after the company smashed estimates in its fourth-quarter earnings report, and executed across the board.
Charts implemented using Lightweight Charts™