Upstart Holdings Inc (NASDAQ: UPST)’s stock price has soared by 2.79 in relation to previous closing price of 63.43. Nevertheless, the company has seen a gain of 10.38% in its stock price over the last five trading days. fool.com reported 2025-06-28 that Nvidia supplies the best data center chips for artificial intelligence (AI) development, and with a market capitalization of $3.6 trillion, it’s now one of the largest companies in the world. There is still room for its stock to move higher, but investors who already own it might be looking for other AI names with growth potential.
Is It Worth Investing in Upstart Holdings Inc (NASDAQ: UPST) Right Now?
The 36-month beta value for UPST is at 2.36. Analysts have varying views on the stock, with 4 analysts rating it as a “buy,” 2 rating it as “overweight,” 8 as “hold,” and 1 as “sell.”
The public float for UPST is 82.43M, and currently, shorts hold a 25.75% of that float. The average trading volume for UPST on June 30, 2025 was 6.54M shares.
UPST’s Market Performance
The stock of Upstart Holdings Inc (UPST) has seen a 10.38% increase in the past week, with a 39.64% rise in the past month, and a 37.87% gain in the past quarter. The volatility ratio for the week is 5.25%, and the volatility levels for the past 30 days are at 5.61% for UPST. The simple moving average for the past 20 days is 14.51% for UPST’s stock, with a 15.42% simple moving average for the past 200 days.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with Piper Sandler repeating the rating for UPST by listing it as a “Overweight.” The predicted price for UPST in the upcoming period, according to Piper Sandler is $75 based on the research report published on June 24, 2025 of the current year 2025.
Stephens, on the other hand, stated in their research note that they expect to see UPST reach a price target of $55. The rating they have provided for UPST stocks is “Equal-Weight” according to the report published on June 12th, 2025.
BofA Securities gave a rating of “Neutral” to UPST, setting the target price at $53 in the report published on April 29th of the current year.
UPST Trading at 27.38% 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 -32.39% of loss for the given period.
Insider Trading
Reports are indicating that there were more than several insider trading activities at UPST starting from Girouard Dave, who sale 41,667 shares at the price of $60.05 back on Jun 20 ’25. After this action, Girouard Dave now owns 52,614 shares of Upstart Holdings Inc, valued at $2,501,983 using the latest 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 9.65. 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 is worth mentioning that the stock is currently trading in close proximity to its 50-day moving average and its 52-week high.
