Upstart’s (UPST) Buy Rating Reiterated at BTIG Research

Upstart (NASDAQ:UPST)‘s stock had its “buy” rating reissued by equities research analysts at BTIG Research in a report released on Thursday,Benzinga reports. They currently have a $43.00 price objective on the stock. BTIG Research’s price objective suggests a potential upside of 56.08% from the stock’s previous close.

Several other research analysts also recently commented on UPST. Mizuho reduced their price objective on Upstart from $66.00 to $51.00 and set an “outperform” rating for the company in a research note on Thursday, March 26th. Citigroup downgraded Upstart from a “buy” rating to a “strong sell” rating in a research note on Friday, February 13th. The Goldman Sachs Group raised Upstart from a “sell” rating to a “neutral” rating and reduced their price objective for the company from $44.00 to $35.00 in a research note on Friday, February 13th. Compass Point upgraded Upstart from a “sell” rating to a “neutral” rating and upped their target price for the company from $20.00 to $30.00 in a report on Tuesday, February 17th. Finally, Needham & Company LLC restated a “buy” rating and issued a $40.00 target price on shares of Upstart in a report on Wednesday, March 11th. Six equities research analysts have rated the stock with a Buy rating, six have given a Hold rating and four have issued a Sell rating to the company’s stock. According to MarketBeat.com, Upstart presently has an average rating of “Hold” and a consensus price target of $48.00.

Upstart Price Performance

NASDAQ UPST traded up $0.24 during mid-day trading on Thursday, hitting $27.55. The stock had a trading volume of 958,185 shares, compared to its average volume of 5,045,877. The firm’s 50 day moving average is $29.70 and its 200 day moving average is $41.04. Upstart has a twelve month low of $23.97 and a twelve month high of $87.30. The stock has a market capitalization of $2.70 billion, a price-to-earnings ratio of 65.52, a PEG ratio of 0.66 and a beta of 2.16.

Upstart (NASDAQ:UPST) last posted its quarterly earnings data on Tuesday, February 10th. The company reported $0.17 EPS for the quarter, beating the consensus estimate of $0.15 by $0.02. Upstart had a return on equity of 6.30% and a net margin of 5.13%.The firm had revenue of $296.09 million during the quarter, compared to the consensus estimate of $288.54 million. During the same period in the prior year, the company earned $0.26 EPS. The firm’s revenue was up 35.2% compared to the same quarter last year. As a group, equities research analysts expect that Upstart will post -0.03 earnings per share for the current year.

Upstart declared that its board has authorized a share repurchase program on Thursday, February 19th that allows the company to buyback $100.00 million in shares. This buyback authorization allows the company to purchase up to 3.2% of its stock through open market purchases. Stock buyback programs are often an indication that the company’s management believes its stock is undervalued.

Insider Buying and Selling at Upstart

In other news, CFO Sanjay Datta sold 7,982 shares of the stock in a transaction on Friday, February 20th. The stock was sold at an average price of $29.86, for a total transaction of $238,342.52. Following the completion of the transaction, the chief financial officer directly owned 276,688 shares in the company, valued at approximately $8,261,903.68. This represents a 2.80% decrease in their position. The transaction was disclosed in a document filed with the SEC, which can be accessed through this hyperlink. In the last three months, insiders sold 9,481 shares of company stock worth $282,201. Corporate insiders own 16.67% of the company’s stock.

Hedge Funds Weigh In On Upstart

Several hedge funds have recently bought and sold shares of the company. Osbon Capital Management LLC acquired a new position in Upstart during the 4th quarter worth about $49,000. World Investment Advisors acquired a new position in Upstart during the 4th quarter worth about $434,000. EMC Capital Management lifted its stake in Upstart by 12.2% during the 4th quarter. EMC Capital Management now owns 11,050 shares of the company’s stock worth $483,000 after acquiring an additional 1,200 shares in the last quarter. Rare Wolf Capital LLC acquired a new position in Upstart during the 4th quarter worth about $616,000. Finally, Alpine Woods Capital Investors LLC acquired a new position in Upstart during the 4th quarter worth about $752,000. Institutional investors and hedge funds own 63.01% of the company’s stock.

Trending Headlines about Upstart

Here are the key news stories impacting Upstart this week:

• Positive Sentiment: Mizuho highlights meaningful upside potential for UPST even after reducing its price target; the note keeps an Outperform rating and argues the stock could materially recover over time, which supports longer‑term investor interest. Upstart Holdings (UPST) Could Double From Here According To Mizuho Securities
• Neutral Sentiment: Numerous plaintiff firms (Rosen, Robbins, Kirby McInerney, Bernstein Liebhard, Schall, DJS, Berger Montague, Gainey McKenna, Holzer & Holzer, etc.) have issued investor alerts encouraging potentially affected shareholders to contact them—these notices amplify attention and potential claimant coordination but do not by themselves change the legal merits. Representative alert: INVESTOR ALERT: Securities Class Action Filed Against Upstart Holdings, Inc.
• Negative Sentiment: Pomerantz filed a formal class action in the Southern District of New York alleging Sections 10(b)/20(a) violations for purchases of UPST stock between May 14, 2025 and Nov 4, 2025—this is the concrete legal step that can trigger discovery, damages exposure and reputational damage. Separate filings and press releases (e.g., Holzer & Holzer) summarize substantive allegations that Upstart’s Model 22 “overreacted” to negative macro signals, overstated approval/accuracy benefits, and that conservative credit assessments materially hurt revenue and rendered FY‑2025 guidance unreliable—allegations that, if proven, could affect future guidance credibility and financial results. Pomerantz Law Firm Announces the Filing of a Class Action Against Upstart Holdings, Inc. Holzer & Holzer: Class Action Lawsuit Filed on Behalf of Upstart Investors

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.