Upstart Holdings Inc (NASDAQ: UPST)’s stock price has plunge by 3.17relation to previous closing price of 54.33. Nevertheless, the company has seen a 17.02% surge in its stock price over the last five trading sessions. fool.com reported 2025-06-09 that Certain Wall Street analysts see The Trade Desk (TTD 0.46%) and Upstart (UPST 5.82%) as no-brainer buying opportunities at their current prices, as detailed below:
Is It Worth Investing in Upstart Holdings Inc (NASDAQ: UPST) Right Now?
The 36-month beta value for UPST is at 2.30. Analysts have varying views on the stock, with 4 analysts rating it as a “buy,” 2 rating it as “overweight,” 7 as “hold,” and 1 as “sell.”
The public float for UPST is 82.50M, and currently, shorts hold a 24.70% of that float. The average trading volume for UPST on June 09, 2025 was 6.23M shares.
UPST’s Market Performance
The stock of Upstart Holdings Inc (UPST) has seen a 17.02% increase in the past week, with a 16.94% rise in the past month, and a 18.25% gain in the past quarter. The volatility ratio for the week is 3.30%, and the volatility levels for the past 30 days are at 4.46% for UPST. The simple moving average for the last 20 days is 14.14% for UPST stock, with a simple moving average of 1.72% for the last 200 days.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with BofA Securities repeating the rating for UPST by listing it as a “Neutral.” The predicted price for UPST in the upcoming period, according to BofA Securities is $53 based on the research report published on April 29, 2025 of the current year 2025.
Morgan Stanley, on the other hand, stated in their research note that they expect to see UPST reach a price target of $70, previously predicting the price at $12. The rating they have provided for UPST stocks is “Equal-Weight” according to the report published on February 14th, 2025.
JP Morgan gave a rating of “Neutral” to UPST, setting the target price at $79 in the report published on February 12th of the current year.
UPST Trading at 21.50% from the 50-Day Moving Average
After a stumble in the market that brought UPST to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -41.87% of loss for the given period.
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Insider Trading
Reports are indicating that there were more than several insider trading activities at UPST starting from Darling Scott, who sale 7,383 shares at the price of $50.00 back on Jun 03 ’25. After this action, Darling Scott now owns 137,014 shares of Upstart Holdings Inc, valued at $369,166 using the latest closing price.
Cooper Kerry Whorton, the Director of Upstart Holdings Inc, sale 500 shares at $46.92 during a trade that took place back on Jun 02 ’25, which means that Cooper Kerry Whorton is holding 25,934 shares at $23,460 based on the most recent closing price.
Stock Fundamentals for UPST
Current profitability levels for the company are sitting at:
- -0.15 for the present operating margin
- 0.99 for the gross margin
The net margin for Upstart Holdings Inc stands at -0.09. The total capital return value is set at -0.05. Equity return is now at value -10.30, with -3.15 for asset returns.
Based on Upstart Holdings Inc (UPST), the company’s capital structure generated 0.67 points at debt to capital in total, while cash flow to debt ratio is standing at 0.09. The debt to equity ratio resting at 2.04. The interest coverage ratio of the stock is -2.43.
Currently, EBITDA for the company is -111.87 million with net debt to EBITDA at -13.68. When we switch over and look at the enterprise to sales, we see a ratio of 8.48. The receivables turnover for the company is 5.0for trailing twelve months and the total asset turnover is 0.31. The liquidity ratio also appears to be rather interesting for investors as it stands at 5.25.
Conclusion
In conclusion, Upstart Holdings Inc (UPST) has had a better performance lately. Opinion on the stock among analysts is mixed, with some giving it a “buy” rating and others a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
