Upstart Holdings, Inc.

Organisation

2950 South Delaware Street, San Mateo, CA, United States, 94403

Headquarters

1405

Employees

Financial

Industry

Upstart is a leading artificial intelligence (AI) lending platform that works with banks to increase access to affordable loans. Founded by ex-Google employees in 2012, Upstart is headquartered in San Mateo, California and Columbus, Ohio. More than two-thirds of Upstart's members are women.
Upstart-powered banks may have higher approval rates and lower loss rates while delivering exceptional service. Loans are granted in a matter of seconds and are completely computerised.
Upstart was one of the first companies to use artificial intelligence in the multibillion-dollar loan market. Upstart goes beyond the FICO score, employing non-traditional criteria at scale to improve loan performance and access to credit for individuals.
To identify a potential borrower's creditworthiness, the lending company created an income and default prediction model. This means that, in addition to traditional underwriting criteria such as FICO scores, credit reports, and incomes, Upstart underwriting takes education variables into account. These include colleges attended, areas of study, GPAs, and standardised test scores. Upstart also considers a borrower’s work history to create a statistical model of their financial capacity and personal propensity to repay.
While Upstart is now focused on the consumer sector in the United States, similar strategies can be used in any credit market.
Currently Upstart Holdings, Inc. has a market cap of $3.83 Billion. It has a P.E ratio of -18.99. The shares of Upstart Holdings, Inc. are trading at $27.47.
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Price

Target

Upstart Holdings, Inc. (UPST) Price vs Consensus Price Target

As per the chart shown above, analysts believe that the Upstart Holdings, Inc. (UPST) share price will touch around $48.87 in next 12-months.

Currently 20 wall-street analysts regularly analyze the financials of Upstart Holdings, Inc. on a frequent basis to provide recommendations along with target share price. 20 analysts offering 12-month price forecasts for Upstart Holdings, Inc. (UPST) have a share price target of $48.87. This median of share price forecast represents a 77.89% upside from the latest price of $27.47 as on 12.03.26.

Upstart Holdings, Inc. (UPST) Share Price Forecast

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Upstart Holdings, Inc. (UPST)

Upstart Holdings, Inc. Stock Forecast

Upstart Holdings, Inc. Stock Forecast & Price Target (Analyst Recommendation) | INDmoney

Percentage Difference

Upstart Holdings, Inc. (UPST): Difference between Current Price & Median Forecasted Price

Below is a chart showing the percentage difference between Upstart Holdings, Inc.'s share price and its median forecast price. As on 12.03.26, the difference is -20.09%

Upstart Holdings, Inc. Forecast and Target Price

Upstart Holdings, Inc. (UPST) Share Price Forecast

Upstart Holdings, Inc. (UPST) Price vs Consensus Price Target

Upstart Holdings, Inc. (UPST) Share Price Forecast v/s Share Price Today

Upstart Holdings, Inc. (UPST): Difference between Current Price & Median Forecasted Price

Upstart Holdings, Inc. (UPST) Share Price Technical Analysis

50 Day Moving Average v/s Current Share Price

200 Day Moving Average v/s Current Share Price