UPST Analyst Ratings

Truist initiated Upstart at Buy ($59) in January, adding to the bull camp. JP Morgan upgraded to Overweight ($88) in August. Goldman is the notable bear with a Sell ($71). Consensus is Buy at $85 average target — AI lending recovery is the key catalyst.

ANALYST RATINGS
Buy$55
UPST
Neutral$35
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2026-02-13
Mkt Underperform$20
Downgrade
2026-02-13
Buy$59
Initiated
2026-01-06
Overweight$88
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2025-08-20
Sell$71
Resumed
2025-07-14
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2026-02-13
Goldman
RatingNeutral
FromSell
Target$35
From—
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2026-02-13
Citizens
RatingMkt Underperform
FromMkt Perform
Target$20
From—
Initiated
2026-01-06
Truist
RatingBuy
From—
Target$59
From—
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2025-08-20
JP Morgan
RatingOverweight
FromNeutral
Target$88
From—
Resumed
2025-07-14
Goldman
RatingSell
From—
Target$71
From—
Resumed
2025-06-24
Piper Sandler
RatingOverweight
From—
Target$75
From—
Initiated
2025-06-12
Stephens
RatingEqual-Weight
From—
Target$55
From—
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2025-04-29
BofA Securities
RatingNeutral
FromUnderperform
Target$53
From—
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2025-02-14
Morgan Stanley
RatingEqual-Weight
FromUnderweight
Target$70
From$12
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2025-02-12
JP Morgan
RatingNeutral
FromUnderweight
Target$79
From$57
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2025-02-12
B. Riley Securities
RatingBuy
FromNeutral
Target$105
From$49
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2024-12-13
Needham
RatingBuy
FromHold
Target$100
From—
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2024-12-03
Redburn Atlantic
RatingBuy
FromNeutral
Target$95
From$37
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2024-11-08
Piper Sandler
RatingOverweight
FromNeutral
Target$85
From$31
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2024-11-08
JP Morgan
RatingNeutral
FromUnderweight
Target$45
From$30
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2024-11-08
Citigroup
RatingBuy
FromNeutral
Target$87
From$56
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2024-10-14
Wedbush
RatingNeutral
FromUnderperform
Target$45
From$10