Upstart Holdings Inc (NASDAQ: UPST)’s stock price has soared by 6107154 in relation to previous closing price of 58.01. Nevertheless, the company has seen a gain of 13.55% in its stock price over the last five trading days. seekingalpha.com reported 2025-06-21 that FinVolution’s strong buy rating is justified by robust earnings growth, international expansion, and an undervalued valuation with a low P/E ratio. The company’s transition to institutional funding and advanced AI credit assessment model drive scalability and risk management, supporting future growth. The share repurchase program, increased dividend, and positive analyst upgrades have fueled a 91.5% stock price surge over the past year.
Is It Worth Investing in Upstart Holdings Inc (NASDAQ: UPST) Right Now?
Additionally, the 36-month beta value for UPST is 2.29. There are mixed opinions on the stock, with 4 analysts rating it as a “buy,” 2 rating it as “overweight,” 8 rating it as “hold,” and 1 rating it as “sell.”
The public float for UPST is 82.51M and currently, short sellers hold a 25.60% ratio of that float. The average trading volume of UPST on June 24, 2025 was 6.35M shares.
UPST’s Market Performance
UPST’s stock has seen a 13.55% increase for the week, with a 34.49% rise in the past month and a 13.68% gain in the past quarter. The volatility ratio for the week is 5.94%, and the volatility levels for the past 30 days are at 4.05% for Upstart Holdings Inc The simple moving average for the past 20 days is 12.17% for UPST’s stock, with a 5.92% simple moving average for the past 200 days.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with Stephens repeating the rating for UPST by listing it as a “Equal-Weight.” The predicted price for UPST in the upcoming period, according to Stephens is $55 based on the research report published on June 12, 2025 of the current year 2025.
BofA Securities, on the other hand, stated in their research note that they expect to see UPST reach a price target of $53. The rating they have provided for UPST stocks is “Neutral” according to the report published on April 29th, 2025.
Morgan Stanley gave a rating of “Equal-Weight” to UPST, setting the target price at $70 in the report published on February 14th of the current year.
UPST Trading at 21.17% 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 -38.74% of loss for the given period.
Insider Trading
Darling Scott, the Chief Legal Officer of Upstart Holdings Inc, sale 3,000 shares at $60.00 during a trade that took place back on Jun 11 ’25, which means that Darling Scott is holding 137,014 shares at $180,000 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 8.87. 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 seen better performance in recent times. Analysts have a mixed opinion on the stock, with some rating it as a “buy” and others rating it as 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.
