Upstart Holdings Inc [UPST] stock is trading at $49.35, up 0.45%. An important factor to consider is whether the stock is rising or falling in short-term value. The UPST shares have gain 5.56% over the last week, with a monthly amount glided 24.56%, and seem to be holding up well over a long-time horizon.
From an analyst’s perspective:
Upstart Holdings Inc [NASDAQ: UPST] stock has seen the most recent analyst activity on August 20, 2025, when JP Morgan upgraded its rating to a Overweight but kept the price target unchanged to $88 for it. Stephens started tracking the stock assigning a Equal-Weight rating and suggested a price target of $55 on June 12, 2025. BofA Securities upgraded its rating to a Neutral but $53 remained the price target by the analyst firm on April 29, 2025. Morgan Stanley upgraded its rating to Equal-Weight for this stock on February 14, 2025, and upped its price target to $70. In a note dated February 12, 2025, JP Morgan upgraded a Neutral rating on this stock and boosted its target price from $57 to $79.
Upstart Holdings Inc [UPST] stock has fluctuated between $31.40 and $96.43 over the past year. Currently, Wall Street analysts expect the stock to reach $49.25 within the next 12 months. Upstart Holdings Inc [NASDAQ: UPST] shares were valued at $49.35 at the most recent close of the market. An investor can expect a potential drop of -0.2% based on the average UPST price forecast.
Analyzing the UPST fundamentals
Upstart Holdings Inc [NASDAQ:UPST] reported sales of 966.73M for the trailing twelve months, which represents a growth of 70.90%. Gross Profit Margin for this corporation currently stands at 0.92% with Operating Profit Margin at 0.02%, Pretax Profit Margin comes in at 0.03%, and Net Profit Margin reading is 0.03%. To continue investigating profitability, this company’s Return on Assets is posted at 0.01, Equity is 0.05 and Total Capital is 0.01. An extended analysis of the company’s primary financial structure reveals a debt-to-equity ratio of2.62.
Before buying any particular stock, readers tend to pay close attention to the indicators that support and create resistance. The company’s stock is currently sitting at 48.10 points at the first support level, and at 46.85 for the second support level. However, for the 1st resistance point, the stock is sitting at 50.54, and for the 2nd resistance point, it is at 51.73.
Ratios To Look Out For
For context, Upstart Holdings Inc’s Current Ratio is 4.50. On the other hand, the Quick Ratio is 4.50, and the Cash Ratio is 4.5. Considering the valuation of this stock, the price to sales ratio is 4.97, the price to book ratio is 6.45 and price to earnings (TTM) ratio is 216.64.
Transactions by insiders
Recent insider trading involved Darling Scott, Officer, that happened on Dec 12 ’25 when 7392.0 shares were purchased. Director, Cooper Kerry Whorton completed a deal on Dec 12 ’25 to buy 1500.0 shares. Meanwhile, Mirgorodskaya Natalia sold 762.0 shares on Nov 25 ’25.
