Upstart Holdings (UPST)

• Market cap: $3.78B
• 1 day: -2.86%
• 5 days: -1.88%
• 1 month: -23.50%
• 3 months: -37.90%
• 6 months: -24.34%
• Year to date: -34.62%
• 1 year: 80.03%
• 5 years: 34.88%
• 10 years: 34.88%
• Sector: Financials
• Industry: Credit Services

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

Fund manager confidence

Based on 2024 Q4 regulatory disclosures by fund managers ($100M+ AUM)

88% more first-time investments, than exits

New positions opened: 105 | Existing positions closed: 56

82% more capital invested

Capital invested by funds: $1.97B [Q3] → $3.59B (+$1.62B) [Q4]

13% more funds holding

Funds holding: 341 [Q3] → 384 (+43) [Q4]

8.47% more ownership

Funds ownership: 55.39% [Q3] → 63.87% (+8.47%) [Q4]

7% more repeat investments, than reductions

Existing positions increased: 113 | Existing positions reduced: 106

19% less call options, than puts

Call options by funds: $1.1B | Put options by funds: $1.37B

Research analyst outlook

9 Wall Street Analysts provided 1 year price targets over the past 3 months

• Low target: $15 62% downside
• Avg. target: $75 88% upside
• High target: $108 172% upside

9 analyst ratings

• positive: 4 44%
• neutral: 3 33%
• negative: 2 22%

Barclays Ramsey El-Assal 34% 1-year accuracy 22 / 64 met price target	6% upside $42	Equal-Weight Maintained	14 Apr 2025
Morgan Stanley James Faucette 42% 1-year accuracy 10 / 24 met price target	76% upside $70	Equal-Weight Upgraded	14 Feb 2025
Citigroup Peter Christiansen 21% 1-year accuracy 3 / 14 met price target	172% upside $108	Buy Maintained	13 Feb 2025
Goldman Sachs Michael Ng 32% 1-year accuracy 11 / 34 met price target	62% downside $15	Sell Maintained	12 Feb 2025
B of A Securities Nat Schindler 29% 1-year accuracy 5 / 17 met price target	2% downside $39	Underperform Maintained	12 Feb 2025