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 7,431 funds
0
Analysts bullish %
of 6 analysts
Fund manager confidence
Based on 2025 Q2 regulatory disclosures by fund managers ($100M+ AUM)
73% more first-time investments, than exits
New positions opened: 85 | Existing positions closed: 49
43% more capital invested
Capital invested by funds: $2.72B [Q1] → $3.9B (+$1.17B) [Q2]
25% more call options, than puts
Call options by funds: $617M | Put options by funds: $494M
11% more repeat investments, than reductions
Existing positions increased: 135 | Existing positions reduced: 122
8% more funds holding
Funds holding: 381 [Q1] → 413 (+32) [Q2]
0.14% more ownership
Funds ownership: 63.18% [Q1] → 63.32% (+0.14%) [Q2]
Research analyst outlook
6 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$70
2%
upside
Avg. target
$81
18%
upside
High target
$90
31%
upside
6 analyst ratings
3 positive
50%
2 neutral
33%
1 negative
17%
JP Morgan Reginald Smith | 28%upside $88 | Overweight Upgraded | 20 Aug 2025 |
Needham Kyle Peterson | 19%upside $82 | Buy Maintained | 6 Aug 2025 |
Morgan Stanley James Faucette | 2%upside $70 | Equal-Weight Maintained | 6 Aug 2025 |
Piper Sandler Patrick Moley | 31%upside $90 | Overweight Maintained | 6 Aug 2025 |
B of A Securities Nat Schindler | 26%upside $87 | Neutral Maintained | 6 Aug 2025 |
Financial journalist opinion
Based on 52 articles about UPST published over the past 30 days
Positive
The Motley Fool
3 days ago
Upstart's Business Grew 154% Year Over Year, So Why Is the Stock Down?
Upstart (UPST 8.39%) recently reported its second-quarter results, and not only did it handily beat expectations on the top and bottom lines, but the fintech disruptor also issued upbeat guidance for the rest of 2025. So why did the stock fall after earnings?
Positive
The Motley Fool
3 days ago
3 Brilliant Fintech Stocks to Buy Now and Hold for the Long Term
The financial sector is dominated by big banks which mainly focus on generating stable profits instead of breakneck growth. However, a new generation of fintech companies -- which are modernizing traditional payment and banking services with their tech platforms -- are growing a lot faster than those aging industry leaders.
Positive
The Motley Fool
3 days ago
Why Upstart Rallied Today
Shares of fintech lender Upstart (UPST 8.34%) rallied more than 8% to close the day on Friday.
Positive
The Motley Fool
4 days ago
My 5 Favorite Stocks to Buy Right Now
Is your portfolio getting thinned out by all the profit-taking that tends to materialize when the market reaches record highs? That's OK.
Positive
The Motley Fool
5 days ago
What Upstart's Earnings Say About the Health of Its Business
To say that Upstart's (UPST 4.08%) recent growth is impressive would be a major understatement, especially considering that interest rates remain stubbornly high and it's not exactly an ideal environment for lending. However, Upstart's stock went down after earnings, despite better-than-expected growth, profitability, and guidance, so this begs questions about the health of the business.
Positive
The Motley Fool
6 days ago
Where Will Upstart Stock Be in 5 Years?
Upstart (UPST -5.79%) went public on Dec. 16, 2020. The online lending marketplace priced its initial public offering (IPO) at $20, and its shares skyrocketed to a record high of $390 on Oct. 15, 2021.
Positive
MarketBeat
6 days ago
Upstart Stock Could Pop on a Short Squeeze Soon
Every industry eventually reaches a point where new technology sparks a long-term cycle of efficiency and productivity gains, marking a pivotal moment of transformation. One area in today's financial sector is on the verge of such a breakthrough, creating a significant opportunity for investors who recognize the shift.
Neutral
Business Wire
6 days ago
Upstart CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2025
SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2025.
Positive
The Motley Fool
1 week ago
4 Fintech Growth Stocks to Buy With $260 and Hold Forever
The global financial services sector is an ocean of investment opportunity, worth over $33 trillion today, and expected to grow to over $44 trillion over the next few years.
Neutral
The Motley Fool
1 week ago
Prediction: Upstart Will Soar Over the Next 5 Years. Here's 1 Reason Why.
Even though its stock fell after earnings, Upstart's (UPST 0.45%) business is doing incredibly well, even in a challenging environment for lending. The company's loan origination volume increased by an incredible 154% year over year, an acceleration over the prior quarter's already impressive growth rate.
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