Should you buy Upstart stock now?
No, the technical signal for Upstart is currently SELL. Upstart trades at $30.76 as of 8/6/2026. The overall technical signal is: Strong Sell. The technical analysis shows the following: MACD is negative (bearish trend) at -0.770 with rising momentum (signal: -0.999); RSI is at 51.9 (neutral zone); the stock is in a short-term uptrend (price above the 20-day average); the analyst price target of $39.80 points to 29.4% upside. The stock is in a broader downtrend (below SMA50/SMA200). Buying in a downtrend is generally not recommended. This is a technical observation based on current data, not investment advice.
What is the price target for Upstart stock?
The average analyst price target for Upstart is $39.80. The current price is $30.76, which gives an upside of 29.4%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $35.82 and $43.78.
Is Upstart a dividend stock?
No, Upstart does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of Upstart stock?
Upstart is rated as a stock with high risk. the annual standard deviation is 67.1%, which classifies the stock as high risk.
Is Upstart overvalued?
No, Upstart is considered undervalued based on the analyst price target (29.4% upside). Upstart has the following valuation ratios: a P/E ratio of 72.2 (highly valued), a P/S ratio of 2.5, a P/B ratio of 3.6. The analyst price target suggests that the stock is undervalued by 29.4%.
Is Upstart overbought?
No, Upstart is not overbought. RSI is at 51.9 (neutral zone). The technical indicators show: RSI is at 51.9 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 4.5% above the 20-day average (short-term uptrend). In addition, MACD is negative, but momentum is rising (possible trend reversal).
When is the next Upstart earnings report?
The date of the next earnings report for Upstart has not been published yet. Check the company's investor calendar for updates.
Is Upstart shorted?
Yes, Upstart is shorted with 31.4% of the free float sold short. This is an extremely high level of short selling, which points to great skepticism among institutional investors. The risk of a short squeeze on positive news or earnings is very high. Data is updated daily based on official filings with the SEC.
Are insiders buying Upstart stock?
Yes, insiders are net buyers of Upstart – they are buying more shares than they are selling. Over the last 3 months, insiders have made 2 purchases and 8 sales. On a net basis, 343,995 $ worth of shares were bought. Across the last 20 reported transactions, the split is 4 purchases and 16 sales, with a net 185,469 $ sold. Active buyers include Mirgorodskaya Natalia, Gu Paul, Girouard Dave and others. Insider buying is generally seen as a positive signal, because management is putting its own money into the company.
Is Upstart a good stock?
Based on our total score, Upstart is rated as a poor stock with a total score of 23 out of 100. The stock scores below average on value, quality and momentum – it sits at the lower end of the market. The score is made up of Value: 29/100, Quality: 31/100, Momentum: 10/100. In addition: analysts see 29.4% upside to the price target; technical signal: Strong Sell. Whether Upstart is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for Upstart stock?
The outlook for Upstart based on current data: the average analyst price target is $39.80 (+29.4%); the stock is in a downtrend (below SMA50 and SMA200); the P/E ratio is 72.2 (high – the market expects growth). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is Upstart stock rising?
Upstart is rising right now. The technical indicators show: the price is 4.5% above the 20-day average; short interest is 31.4% (high – many are betting on a decline); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis, insider section and news overview above.
How high can Upstart go?
The average analyst price target for Upstart is $39.80, which corresponds to a potential gain of 29.4% from the current price of $30.76. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can Upstart fall?
We lack enough history to give a specific floor for Upstart. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does Upstart do?
Upstart Holdings, eller bare upst.us, driver en AI-baseret låneplatform i USA. De tjener penge ved at samle folks låneansøgninger og matche dem med banker og kreditforeninger, som bruger deres kunstige intelligens til at vurdere risikoen.
Upstart Holdings laver altså en slags... The company belongs to the Financiel service sector, more specifically the Credit Services industry, is headquartered in USA, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate Upstart as an investment.
Did Upstart raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from Upstart. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history and the news overview above.
Is Upstart making money or losing money?
Yes, Upstart is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 4.2% — which is modest. The operating margin (profit before interest and taxes) is 0.9%. At a P/E ratio of 72.2, you currently pay 72.2 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can Upstart go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For Upstart, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does Upstart have a lot of debt?
Yes, Upstart has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 274%. For the financiel service sector, anything above 150% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can Upstart service its debt? Could struggle to service its debt — the interest coverage ratio (how many times earnings can cover interest payments) is -0.7x, and net debt equals 10.6 years of earnings (EBITDA).
