Upstart (UPST) Stock
AI lending platform connecting borrowers with bank partners. Here's the price, business snapshot, and what's worth knowing about Upstart in September 2026.
Upstart Holdings (UPST) operates a technology-driven lending platform that connects borrowers with banks and also offers loans it holds on balance sheet. The company uses machine-learning models to assess creditworthiness and prize underwriting signals beyond traditional FICO scores, aiming to increase approval rates while managing default risk. Revenue derives from origination and servicing fees, interest income on held loans and platform fees from bank partners. Investors should note sensitivity to credit cycles, model performance and data drift, funding costs, and potential regulatory scrutiny around algorithmic lending. Upstart has experienced periods of rapid growth and volatility; future profit depends on charge-offs, loan volumes and funding conditions. This is general educational information, not personalised advice — values can fall as well as rise and past performance is not a guide to the future.
Upstart (UPST) Stock Forecast
Analyst price target, next 12 months
$42.79
+72.7% vs today's $24.78
Price range over the last 12 months
Close to its 12-month low
Analysts covering Upstart have a consensus 12-month target of $42.79, above the current price of $24.78.
Analyst targets are opinions, not guarantees. Capital at risk. Data as of 24 Sep 2026.
Source: Analyst sentiment is provided by Refinitiv Ltd, a global leader in financial market data with over 40k business clients. Refinitiv Ltd is an independent third party to Nemo. This is not advice.
Sixth Month Growth Performance
Stock Performance Snapshot
Analyst Rating
Analysts suggest buying Upstart's stock, predicting it could rise to $42.79 in value.
Financial Health
Upstart is generating solid revenue and cash flow, but its profitability indicators show mixed results.
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Why You’ll Want to Watch This Stock
AI Credit Modelling
Upstart's machine-learning models aim to identify credit-worthy borrowers beyond FICO, which can boost approvals — though model accuracy can change over time.
Revenue Sensitivity
Profits depend on loan volumes, net charge-offs and funding costs; revenues can rise quickly in expansion but fall in tightening credit conditions.
Regulation & Cycle Risk
Algorithmic underwriting faces regulatory scrutiny and results are cyclical; consider these risks alongside growth opportunities.
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