Upstart Holdings, Inc. (NASDAQ:UPST) Given Average Recommendation of “Hold” by Analysts

Upstart Holdings, Inc. (NASDAQ:UPST) has been given a consensus recommendation of “Hold” by the sixteen research firms that are covering the stock, MarketBeat.com reports. Three research analysts have rated the stock with a sell rating, six have given a hold rating and seven have issued a buy rating on the company. The average 1-year price target among brokers that have issued a report on the stock in the last year is $45.7857.

UPST has been the subject of several research reports. Zacks Research raised Upstart from a “strong sell” rating to a “hold” rating in a research note on Monday, April 13th. Citizens Jmp reissued a “market underperform” rating and issued a $20.00 target price on shares of Upstart in a research note on Friday, February 13th. Morgan Stanley set a $35.00 target price on shares of Upstart in a research note on Thursday, May 7th. Weiss Ratings downgraded shares of Upstart from a “sell (d+)” rating to a “sell (d)” rating in a research note on Wednesday, May 6th. Finally, Needham & Company LLC cut their target price on shares of Upstart from $40.00 to $37.00 and set a “buy” rating for the company in a research note on Wednesday, May 6th.

Insider Activity

In related news, CFO Andrea Blankmeyer sold 7,044 shares of the business’s stock in a transaction dated Friday, May 15th. The shares were sold at an average price of $29.63, for a total value of $208,713.72. Following the completion of the transaction, the chief financial officer owned 162,383 shares of the company’s stock, valued at approximately $4,811,408.29. The trade was a 4.16% decrease in their position. The sale was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. The sale was made to cover tax withholding obligations related to the vesting of equity awards. Also, Director Dave Girouard bought 170,240 shares of the business’s stock in a transaction that occurred on Thursday, May 7th. The stock was purchased at an average cost of $29.37 per share, with a total value of $4,999,948.80. Following the purchase, the director directly owned 8,512,941 shares in the company, valued at $250,025,077.17. The trade was a 2.04% increase in their position. The SEC filing for this purchase provides additional information. Over the last quarter, insiders sold 9,727 shares of company stock worth $287,356. Company insiders own 17.29% of the company’s stock.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently modified their holdings of UPST. Morgan Stanley increased its stake in shares of Upstart by 154.6% during the 4th quarter. Morgan Stanley now owns 4,206,615 shares of the company’s stock valued at $183,955,000 after acquiring an additional 2,554,591 shares during the last quarter. Norges Bank acquired a new position in shares of Upstart during the 4th quarter valued at about $49,915,000. Halter Ferguson Financial Inc. increased its stake in shares of Upstart by 253.3% during the 1st quarter. Halter Ferguson Financial Inc. now owns 1,467,360 shares of the company’s stock valued at $37,638,000 after acquiring an additional 1,052,039 shares during the last quarter. Azora Capital LP acquired a new position in shares of Upstart during the 4th quarter valued at about $38,580,000. Finally, Jericho Capital Asset Management L.P. increased its stake in shares of Upstart by 22.6% during the 3rd quarter. Jericho Capital Asset Management L.P. now owns 4,480,809 shares of the company’s stock valued at $227,625,000 after acquiring an additional 826,974 shares during the last quarter. Institutional investors and hedge funds own 63.01% of the company’s stock.

Key Stories Impacting Upstart

Here are the key news stories impacting Upstart this week:

• Positive Sentiment: Upstart’s CFO and CEO are both scheduled to participate in fireside chats at major upcoming conferences, which could give management a chance to address investor concerns and highlight the company’s outlook. Upstart CFO to Participate in Fireside Chat at the Mizuho Technology Conference
• Positive Sentiment: The CEO’s appearance at the Morgan Stanley US Financials Conference may help reinforce confidence in Upstart’s business strategy and growth plans. Upstart Co-founder and CEO to Participate in Fireside Chat at the Morgan Stanley US Financials Conference
• Neutral Sentiment: Several law firms are publicizing the recently filed securities class action against Upstart and urging affected investors to contact them, signaling that litigation attention around the stock remains intense. Pomerantz Law Firm Announces the Filing of a Class Action Against Upstart Holdings, Inc. and Certain Officers – UPST
• Neutral Sentiment: Other firms are also reminding investors of the June 8, 2026 lead-plaintiff deadline, which may prolong overhang but does not add new substantive information beyond the lawsuit itself. ROSEN, SKILLED INVESTOR COUNSEL, Encourages Upstart Holdings, Inc. Investors to Secure Counsel Before Important Deadline in Securities Class Action – UPST
• Negative Sentiment: The class action relates to investors who bought Upstart shares between May 14, 2025 and November 4, 2025, increasing the risk of legal costs, distraction, and reputational damage for Upstart Holdings, Inc. (NASDAQ: UPST). Bernstein Liebhard LLP Announces A Securities Fraud Class Action Lawsuit Has Been Filed Against Upstart Holdings, Inc. (UPST)
• Negative Sentiment: Some claims specifically allege investor harm and misleading disclosures about model performance, which can heighten concern about future litigation exposure and stock volatility. UPST Investor Alert: Upstart Holdings Securities Fraud Lawsuit – Investors With Losses May Seek to Lead the Class Action After Allegedly Misleading on Model Performance: Levi & Korsinsky

Upstart Stock Up 0.0%

NASDAQ:UPST opened at $28.85 on Friday. The company has a market capitalization of $2.76 billion, a PE ratio of 75.92, a price-to-earnings-growth ratio of 0.77 and a beta of 2.26. Upstart has a 52-week low of $23.97 and a 52-week high of $87.30. The stock has a fifty day simple moving average of $28.73 and a 200-day simple moving average of $36.52.

Upstart (NASDAQ:UPST) last released its quarterly earnings results on Tuesday, May 5th. The company reported ($0.07) earnings per share (EPS) for the quarter, missing the consensus estimate of $0.39 by ($0.46). The firm had revenue of $308.21 million for the quarter, compared to analyst estimates of $301.30 million. Upstart had a return on equity of 5.63% and a net margin of 4.34%.The company’s quarterly revenue was up 44.3% compared to the same quarter last year. During the same period last year, the firm earned $0.30 EPS. As a group, equities analysts anticipate that Upstart will post 0.92 earnings per share for the current year.

Upstart declared that its Board of Directors has authorized a stock repurchase plan on Thursday, February 19th that permits the company to repurchase $100.00 million in shares. This repurchase authorization permits the company to buy up to 3.2% of its shares through open market purchases. Shares repurchase plans are often a sign that the company’s management believes its stock is undervalued.

About Upstart

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non‐traditional data points—such as education, employment history and other real‐time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.