Ticker: UPST

Upstart

Finance Financials Financial - Credit Services

Price 25.10

Reco Sell Potential 33 Risk 73 Updated 2026-09-10

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AI recommendation Analyst forecast Calendar event Positive signal Negative signal Neutral / update Hold / informational B My buy S My sell

Description

Company and Business Model

Upstart (UPST.US) operates in the financial sector, specializing in artificial intelligence-driven lending solutions. The company offers personal loans and provides a platform that connects borrowers with lenders, focusing on credit assessment and risk evaluation. Its core products include personal loans and a proprietary AI model that enhances underwriting processes. Major revenue sources stem from interest income on loans and fees from lending partners.

Investment Profile

The investment profile of Upstart is more aligned with growth investors, given its focus on innovative technology in lending and potential for expansion. The stock may appeal to those seeking exposure to emerging financial technologies, though it carries a higher risk profile. Investors should consider their risk tolerance and investment horizon when evaluating this stock.

Category: Finance Sector: Financials Industry: Financial - Credit Services Investment style: Growth Horizon: Medium-term Company type: Niche Player Experience: Basic

Fundamental metrics (experimental) Updated: 2026-09-09

EPS (TTM) — earnings per share for the last 12 months, $: 0.62
Revenue QoQ — quarter-over-quarter revenue growth: -16.5%
EPS surprise: -10.2%
20d volatility: 2.9%

AI recommendation changes

Date	Before	After	Reason
2026-08-15	Hold	Sell	Weak fundamentals and negative momentum raise significant concerns.
2026-08-06	Sell	Hold	Mixed performance; uncertain fundamentals and high risk.
2026-07-16	Hold	Sell	Weak fundamentals and negative momentum raise significant concerns.
2026-07-08	Sell	Hold	Weak fundamentals and negative momentum raise significant concerns.
2026-06-27	Hold	Sell	Weak fundamentals and high volatility raise concerns.
2026-06-19	Sell	Hold	Mixed performance; high risk with uncertain fundamentals.
2026-05-28	Hold	Sell	Weak fundamentals and high risk limit upside potential.
2026-05-08	—	Hold	Weak momentum and high risk; uncertain outlook ahead.
2026-05-08	Hold	Hold	Компания показывает смешанные результаты, с позитивным ростом выручки, но значительным падением акций за последние месяцы. Рекомендуется удерживать позицию до получения более ясных сигналов о восстановлении.
2026-04-15	Sell	Hold	Компания показывает положительную динамику за последние дни, однако значительное падение за более длительный период вызывает опасения. Рекомендуется удерживать позиции до получения более ясных сигналов о восстановлении.
2026-03-25	Hold	Sell	Компания Upstart демонстрирует значительное снижение цен на акции за последние месяцы, а также высокий уровень риска, что делает её менее привлекательной для инвестиций в текущих условиях.
2026-03-11	Sell	Hold	Компания демонстрирует значительное снижение цен на акции за последние месяцы, а также высокий уровень риска, что делает её менее привлекательной для инвестиций в текущих условиях.

Analyst forecasts

Date	Analyst	Action	Target	Price Then
2026-09-08	Loop Capital Markets	Update	— → 34	26.98
2026-08-05	Piper Sandler	Target Raised	46 → 51	30.32
2026-07-09	Goldman Sachs	Target Raised	32 → 39	31.81
2026-07-07	Needham	Target Raised	— → 40	34.33
2026-06-09	Jefferies	Target Raised	27 → 30	31.06
2026-05-08	Mizuho Securities	Target Lowered	51 → 45	29
2026-05-07	Morgan Stanley	Target Lowered	45 → 35	29.745
2026-05-06	Needham	Target Lowered	40 → 37	28.13
2026-05-06	Truist Financial	Target Lowered	49 → 40	28.125
2026-05-06	Piper Sandler	Target Lowered	56 → 46	31.17
2026-02-17	Compass Point	Rating Upgraded	— → 30	30.68
2026-02-13	Goldman Sachs	Rating Upgraded	— → 35	30.19
2026-02-11	Truist Financial	Target Lowered	59 → 49	34.18
2026-01-06	Truist Financial	Update	— → 59	50.7
2025-11-06	Goldman Sachs	Target Lowered	54 → 40	40.19

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