Upstart Holdings Inc [UPST] stock prices are down -1.69% to $37.27 at the moment. Until recently, the best way to gauge how the stock has performed was to look at its short-term value. The UPST shares have lost -5.93% over the last week, with a monthly amount drifted -28.82%, and not 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.
The stock price of Upstart Holdings Inc [UPST] has been fluctuating between $31.40 and $96.43 over the past year. Currently, Wall Street analysts expect the stock to reach $50.4 within the next 12 months. Upstart Holdings Inc [NASDAQ: UPST] shares were valued at $37.27 at the most recent close of the market. An investor can expect a potential return of 35.23% based on the average UPST price forecast.
Analyzing the UPST fundamentals
The Upstart Holdings Inc [NASDAQ:UPST] reported sales of 966.73M for trailing twelve months, representing a surge of 70.90%. Gross Profit Margin for this corporation currently stands at 0.66% 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.
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 36.53 points at the first support level, and at 35.79 for the second support level. However, for the 1st resistance point, the stock is sitting at 38.10, and for the 2nd resistance point, it is at 38.94.
Ratios To Look Out For
It’s worth pointing out that Upstart Holdings Inc [NASDAQ:UPST]’s Current Ratio is 4.50. As well, the Quick Ratio is 4.50. Considering the valuation of this stock, the price to sales ratio is 3.75, the price to book ratio is 4.87 and price to earnings (TTM) ratio is 163.61.
Transactions by insiders
Recent insider trading involved Gu Paul, Chief Technology Offier, that happened on Nov 11 ’25 when 100000.0 shares were purchased. Chief Legal Officer, Darling Scott completed a deal on Oct 24 ’25 to sell 1000.0 shares. Meanwhile, Officer Darling Scott bought 1000.0 shares on Oct 24 ’25.
