At the time of writing, Upstart Holdings Inc [UPST] stock is trading at $50.68, down -0.04%. One of the good ways to gauge the recent performance is if the stock’s short-term value is rising or falling. The UPST shares have gain 8.83% over the last week, with a monthly amount glided 7.53%, 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 January 06, 2026, when Truist initiated its Buy rating and assigned the stock a price target of $59. Previously, JP Morgan upgraded its rating to Overweight on August 20, 2025, and kept the price target unchanged to $88. Stephens initiated its recommendation with a Equal-Weight and recommended $55 as its price target on June 12, 2025. BofA Securities upgraded its rating to Neutral for this stock on April 29, 2025, but kept the price target unchanged to $53. In a note dated February 14, 2025, Morgan Stanley upgraded an Equal-Weight rating on this stock and boosted its target price from $12 to $70.
For the past year, the stock price of Upstart Holdings Inc fluctuated between $31.40 and $96.43. Currently, Wall Street analysts expect the stock to reach $51.2 within the next 12 months. Upstart Holdings Inc [NASDAQ: UPST] shares were valued at $50.68 at the most recent close of the market. An investor can expect a potential return of 1.03% based on the average UPST price forecast.
Analyzing the UPST fundamentals
According to Upstart Holdings Inc [NASDAQ:UPST], the company’s sales were 966.73M for trailing twelve months, which represents an 70.90% jump. 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 49.30 points at the first support level, and at 47.92 for the second support level. However, for the 1st resistance point, the stock is sitting at 52.08, and for the 2nd resistance point, it is at 53.48.
Ratios To Look Out For
It is important to note that Upstart Holdings Inc [NASDAQ:UPST] has a current ratio of 4.50. Also, the Quick Ratio is 4.50, while the Cash Ratio stands at 4.5. Considering the valuation of this stock, the price to sales ratio is 5.10, the price to book ratio is 6.63 and price to earnings (TTM) ratio is 222.48.
Transactions by insiders
Recent insider trading involved Darling Scott, Officer, that happened on Jan 05 ’26 when 1000.0 shares were purchased. Director, Cooper Kerry Whorton completed a deal on Dec 12 ’25 to sell 1500.0 shares. Meanwhile, Chief Legal Officer Darling Scott sold 7392.0 shares on Dec 12 ’25.
