At the time of writing, Upstart Holdings Inc [UPST] stock is trading at $64.46, down -6.81%. 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 lost -6.43% over the last week, with a monthly amount drifted -22.18%, 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 an Neutral rating on this stock and boosted its target price from $57 to $79.
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 $65.33 within the next 12 months. Upstart Holdings Inc [NASDAQ: UPST] shares were valued at $64.46 at the most recent close of the market. An investor can expect a potential return of 1.35% based on the average UPST price forecast.
Analyzing the UPST fundamentals
According to Upstart Holdings Inc [NASDAQ:UPST], the company’s sales were 851.77M for trailing twelve months, which represents an 101.59% jump. Gross Profit Margin for this corporation currently stands at 0.98% with Operating Profit Margin at -0.06%, Pretax Profit Margin comes in at -0.01%, and Net Profit Margin reading is -0.01%. To continue investigating profitability, this company’s Return on Assets is posted at -0.0, Equity is -0.01 and Total Capital is -0.02. An extended analysis of the company’s primary financial structure reveals a debt-to-equity ratio of2.04.
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 62.67 points at the first support level, and at 60.87 for the second support level. However, for the 1st resistance point, the stock is sitting at 68.00, and for the 2nd resistance point, it is at 71.53.
Ratios To Look Out For
It is important to note that Upstart Holdings Inc [NASDAQ:UPST] has a current ratio of 3.46. Also, the Quick Ratio is 3.46, while the Cash Ratio stands at 1.37. Considering the valuation of this stock, the price to sales ratio is 7.28, the price to book ratio is 8.58.
Transactions by insiders
Recent insider trading involved Darling Scott, Officer, that happened on Sep 03 ’25 when 4000.0 shares were purchased. Officer, Mirgorodskaya Natalia completed a deal on Sep 02 ’25 to buy 1439.0 shares. Meanwhile, Director Cooper Kerry Whorton bought 500.0 shares on Sep 02 ’25.
