Upstart Stock Price Prediction – UPST Forecast & Price Targets

Upstart Stock Price Prediction
Upstart Stock Price Prediction

What is Upstart Stock Price Prediction for upcoming years? In this article, we’ll take a look at Upstart’s (NASDAQ: UPST) future and give you our forecast for the company’s stock price. Plus, we’ll also provide you with our price target range so that you can make an informed investment decision. Keep reading to learn more! 

Upstart is a publicly traded company listed on Nasdaq with the stock ticker UPST. While there is always some risk when investing in any stock, Upstart appears to be a well-managed company with strong growth prospects. As such, it could be a good addition to any portfolio.

Upstart stocks are currently trading at 21.64 USD. The average estimated prices are expected to reach 27.63 USD in 2025, with the minimum target price being 24.80 USD and the maximum estimated price target being 30.82 USD.

Upstart Holdings Information & Performance

Upstart Holdings Inc is a cloud lending platform that operates in the United States. The company partners with banks and credit unions, gathering loan requests from consumers and linking them to its network of lenders. 

Upstart Network operates a lending platform that offers personal loans to consumers with non-traditional credit histories. The company uses data science to assess risk and pricing for each borrower.

It was founded in April 2012 by Dave Girouard, Ken Ramberg, and Paul Gu; now owned by The Vanguard Group, Inc. Upstart is headquartered in San Mateo, California, United States.

The company’s AI models are used to price credit risk and automatically underwrite personal loans, auto-refinancing loans as well as student loan refinancing products without human involvement or significant reliance on FICO scores and other traditional methods which are opaque, slow, and often lead to declined applications.

Financial Information

Market Cap1.772B
Shares Outstanding81.88M
Volume8,693,117
Avg. Volume6,786,196
52 Week Range14.02 – 247.70
PE Ratio (TTM)21.01
EPS (TTM)1.03
Forward Dividend & YieldN/A
ROE (TTM)0.77%
EBITDA (TTM)56.313M
Debt To Equity (MRQ)127.88%
Net Margin (TTM)0.53%

Market Capital Change Over Previous Years

YearMarket capChange
2022$1.77 B-85.71%
2021$12.40 B319.95%
2020$2.95 B

Upstart Stock Price Prediction 2022

Upstart Stock Price Prediction
Upstart Stock Price Prediction

Upstart holding’s current stock price is 21.64 USD. The estimated target prices are expected to reach 19.79 USD in December 2022. The lowest price estimates are to be 17.12 USD while the highest price targets are expected at 22.54 USD. Price volatility of 24.029% is expected.

Upstart Stock Price Prediction 2023

The forecasted price targets for the year 2023 as predicted by analysts would be 14.17 USD showing negative trends. The minimum expected price is 12.97 USD while maximum targets are expected at 15.44 USD. The monthly anticipated volatility is to be 16.018%.

Upstart Stock Price Prediction 2024

The analysts’ projected price projections for 2024 would be 16.76 USD, indicating improving trends in prices. While maximum price targets are anticipated at 18.66 USD, the lowest estimated price is 15.85 USD. The estimated monthly volatility is 15.035%.

Upstart Stock Price Prediction 2025

According to analyst pricing forecasts, the stock prices of Upstart Holdings will increase in 2025 and reach 27.63 USD by the end of the year. The lowest predicted price is 24.80 USD, while 30.82 USD is the maximum price objective anticipated. Positive tendencies are expected to prevail and 19.530% monthly volatility is anticipated.

Upstart Stock Price Prediction 2026

The stock prices of Upstart Holdings will rise further in 2026 and reach 30.47 USD by the end of the year, according to analysts’ pricing predictions. The lowest estimated price is 28.28 USD, while the highest anticipated price is 34.14 USD. Positive trends are expected to prevail, with the monthly volatility being 17.187%.

Is Upstart Stock A Buy, Sell, Or Hold?

Is Upstart (Nasdaq: UPST) stock a buy, sell, or hold? The consensus among analysts is ‘hold’. Out of thirteen ratings, three are ‘buy’, eight are ‘hold’, and two are ‘sell’. 

UPST’s business model has considerable long-term promise but faces significant near-term execution risk which may limit the upside in the stock in the near term. 

Hence, Upstart Stock is a Hold right now – meaning that analysts are advising you to neither buy new shares nor sell the ones you are holding and maintain your current stock position.

Upstart Stock Price Prediction

Recent Developments In Upstart 

The current market value of Upstart Holdings is $1.7 billion. With a 0.5% profit margin, the P/E ratio is poor due to the negative earnings during the previous 12 months. Sales growth is declining, and UPST is not currently paying a dividend.

Due to the continued economic situation, where most of its lenders and investors have suspended loan origination in recent months, the company is currently in a transitional phase.

The company is looking into various options to bring on financing partners who will invest consistently across business cycles in order to boost the funding of its side businesses. However, this process will take time to show some meaningful results. 

However, investors need not worry due to this situation as the company still has $914.4 million cash and cash equivalents in its balance sheet, so it is in a good position to withstand any critical situation if it arises.

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Conclusion

Upstart has the potential to revolutionize how people access credit and could be a major player in the lending industry. Their innovative approach to lending could change how people borrow money and their customer service is top-notch. 

However, there are still some hurdles that the company will need to overcome before it can become a household name. If you’re interested in learning more about this innovative company, or want to invest in its future, keep an eye on Upstart’s stock price.

This was all on our blog on Upstart Stock Price Prediction. Read our other articles to get more information on stock forecasts of other companies’ shares. 

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