{
 "@context": "https://clearank.com/llms.txt",
 "@type": "clearank:AssetAnalysis",
 "url": "https://clearank.com/stock/upstart-holdings-upst/",
 "dataUrl": "https://clearank.com/stock/upstart-holdings-upst/data.json",
 "title": "Upstart (UPST) Stock Forecast & Price Target (2026)",
 "description": "Upstart Holdings Inc. (UPST) stock: Financial Services, Credit Services. $2.3B market cap. AI rating, technicals, 2030 forecast and trade plans.",
 "headline": "Upstart Holdings Inc. (UPST)",
 "published": "2026-07-04T09:33:22+00:00",
 "modified": "2026-09-27T01:56:31.019+00:00",
 "generated": "2026-09-27T15:07:35.263Z",
 "language": "en-US",
 "publisher": {
  "name": "CleaRank",
  "url": "https://clearank.com/"
 },
 "disclaimer": "Educational and informational only; not financial advice. AI-generated analysis reviewed by the CleaRank editorial team; prices delayed up to 15 minutes.",
 "asset": {
  "ticker": "UPST",
  "name": "Upstart Holdings Inc.",
  "type": "Common Stock",
  "exchange": "NASDAQ",
  "currency": "USD",
  "sector": "Financial Services",
  "industry": "Credit Services",
  "country": "United States",
  "website": "https://www.upstart.com"
 },
 "quote": {
  "price": 23.81,
  "previousClose": 24.64,
  "change": -0.83,
  "changePercent": -3.37,
  "open": 24.79,
  "high": 24.878,
  "low": 23.81,
  "volume": 4581200,
  "averageVolume": 4649440,
  "marketCap": 2278892457,
  "fiftyTwoWeekHigh": 71.38,
  "fiftyTwoWeekLow": 23.72,
  "marketOpen": false,
  "asOf": "2026-09-27T01:56:30.000Z"
 },
 "statistics": {
  "pe": 47.384617,
  "eps": 0.52,
  "dividendYield": 0,
  "beta": 2.165,
  "priceToSales": 1.8340082,
  "priceToBook": 3.0063446,
  "revenueTtm": 1285890048,
  "grossMargin": null,
  "returnOnEquity": 0.07941
 },
 "technicals": {
  "rsi": 26.5,
  "macd": -1.24,
  "sma50": 28.05,
  "sma200": 32.88,
  "rsiSignal": "Oversold",
  "trend": "Bearish",
  "pricePosition": "Bearish",
  "macdSignal": "Bearish",
  "rating": "Bearish"
 },
 "analysis": {
  "rating": "Hold",
  "score": 59,
  "consensus": "Hold",
  "fairValue": 23.81,
  "analystTarget": 39.5,
  "analystCount": 15,
  "wallStreetConsensus": "Hold",
  "generatedAt": "2026-09-27T01:56:30.000Z",
  "priceAtAnalysis": 23.81,
  "volatility": {
   "daily": 2.95,
   "risk": "standard"
  }
 },
 "tradePlan": {
  "bias": "Neutral",
  "conservativeEntry": 23.57,
  "aggressiveEntry": 23.81,
  "stopLoss": 21.76,
  "stopLossPercent": 7.7,
  "targets": [
   24.28,
   24.75,
   25.46
  ]
 },
 "projections": {
  "basis": "Monte Carlo simulation on historical return distribution, re-run daily; not price targets",
  "years": [
   {
    "year": 2027,
    "downside10th": 12.67,
    "base": 24.05,
    "upside90th": 45.65
   },
   {
    "year": 2028,
    "downside10th": 9.82,
    "base": 24.3,
    "upside90th": 60.13
   },
   {
    "year": 2029,
    "downside10th": 8.09,
    "base": 24.54,
    "upside90th": 74.46
   },
   {
    "year": 2030,
    "downside10th": 6.88,
    "base": 24.79,
    "upside90th": 89.31
   },
   {
    "year": 2031,
    "downside10th": 5.98,
    "base": 25.04,
    "upside90th": 104.95
   },
   {
    "year": 2032,
    "downside10th": 5.27,
    "base": 25.3,
    "upside90th": 121.56
   },
   {
    "year": 2033,
    "downside10th": 4.69,
    "base": 25.56,
    "upside90th": 139.25
   },
   {
    "year": 2034,
    "downside10th": 4.21,
    "base": 25.82,
    "upside90th": 158.13
   },
   {
    "year": 2035,
    "downside10th": 3.81,
    "base": 26.08,
    "upside90th": 178.3
   },
   {
    "year": 2036,
    "downside10th": 3.47,
    "base": 26.34,
    "upside90th": 199.85
   }
  ]
 },
 "faqCount": 7,
 "sources": [
  "TwelveData",
  "Wall Street consensus"
 ],
 "sections": [
  {
   "id": "price",
   "title": "UPST Price Analysis"
  },
  {
   "id": "market-metrics",
   "title": "Market Metrics",
   "facts": {
    "Open": "$24.79",
    "Day Range": "$23.81 to $24.88",
    "Prev Close": "$24.64",
    "Volume": "4.58M",
    "52-Week Range": "$23.72 to $71.38",
    "Market Cap": "$2.28B"
   }
  },
  {
   "id": "peer-benchmarking",
   "title": "Peer Benchmarking",
   "text": [
    "Sector Position Analysis Trading at a significant premium to sector peers (+187%), suggesting market expectations for superior growth or market position."
   ]
  },
  {
   "id": "financials",
   "title": "UPST Financial Performance",
   "text": [
    "Analysis: In the last 5 quarters, UPST beat estimates 3 times. However, the stock fell 3 times the next day. This suggests positive news is often \"priced in\" or investors are selling the news."
   ]
  },
  {
   "id": "analysis",
   "title": "UPST Analysis",
   "text": [
    "Upstart Holdings Inc. (UPST) is currently trading below its key moving averages, with its price below the 50-day SMA ($28.05) and the 200-day SMA ($32.88), signaling a bearish trend. The Relative Strength Index (RSI) is at 26.5, indicating oversold conditions and a potential for a short-term reversal. The MACD is also negative at -1.24, further reinforcing the bearish momentum. Immediate support is not clearly defined given the oversold conditions, but the nearest resistance levels are the 20-day EMA at $26.09 and the 50-day SMA at $28.05. Volume has been around its average, with 4.58 million shares traded recently compared to a 4.65 million average. The current technical setup suggests caution, with the oversold RSI offering a glimmer of potential for a bounce, but the sustained trend below key moving averages points to continued downside risk.",
    "Upstart Holdings Inc. (UPST) reported an EPS of $0.57 for the quarter ending June 2026, beating estimates by 3.64%, which could signal a return to consistent earnings beats.",
    "Insiders have sold $27.4 million worth of UPST stock versus $11.6 million purchased, indicating a moderate sell signal and potential lack of management confidence.",
    "The median Wall Street price target for UPST is $39.50, representing a 65.9% upside from the current price, suggesting analysts see value despite current headwinds.",
    "Upstart's P/E ratio of 47.38 is substantially higher than the sector median of 16.5, indicating potential overvaluation relative to its earnings.",
    "The base case outlook for Upstart Holdings Inc. (UPST) over the next 6-12 months is cautious, given its current oversold technical conditions and elevated valuation multiples relative to its sector peers. While Wall Street's median price target of $39.5 suggests significant upside potential, the moderate insider sell signal and below-average profitability metrics temper immediate bullish conviction. The company's ability to grow revenue at a faster pace than the sector (42.3% vs. 11.7%) provides a foundation, but translating this into consistent profitability and closing the valuation gap will be key. Potential catalysts for upside include a sustained positive earnings surprise trend and a broader market shift favoring growth stocks. Conversely, risks such as increased competition in the lending space, regulatory changes affecting fintech companies, or a failure to improve profit margins could pressure the stock. Investors should monitor insider activity closely and watch for a decisive break above key resistance levels like the 50-day SMA ($28.05) to signal a potential trend reversal."
   ],
   "lists": {
    "ProTips": [
     "Insiders at Upstart Holdings Inc. (UPST) have been net sellers, with total sales of $27.4 million compared to $11.6 million in purchases, indicating a moderate sell signal that warrants attention.",
     "The stock is trading in oversold territory (RSI 26.5), suggesting a potential for a short-term bounce, but it remains below key moving averages, indicating a bearish trend.",
     "Given the high P/E ratio and debt levels, investors should consider position sizing carefully and monitor the company's ability to improve profitability and manage its debt load."
    ]
   },
   "catalysts": [
    {
     "type": "Bullish",
     "title": "Positive Earnings Surprise in Latest Quarter",
     "text": "Upstart Holdings Inc. (UPST) reported an EPS of $0.57 for the quarter ending June 2026, beating estimates by 3.64%, which could signal a return to consistent earnings beats.",
     "source": "Company Earnings Report"
    },
    {
     "type": "Bearish",
     "title": "Moderate Insider Selling Pressure",
     "text": "Insiders have sold $27.4 million worth of UPST stock versus $11.6 million purchased, indicating a moderate sell signal and potential lack of management confidence.",
     "source": "Insider Transaction Filings"
    },
    {
     "type": "Bullish",
     "title": "Significant Upside Potential According to Wall Street",
     "text": "The median Wall Street price target for UPST is $39.50, representing a 65.9% upside from the current price, suggesting analysts see value despite current headwinds.",
     "source": "Wall Street Analyst Reports"
    },
    {
     "type": "Bearish",
     "title": "Elevated Valuation Multiples",
     "text": "Upstart's P/E ratio of 47.38 is substantially higher than the sector median of 16.5, indicating potential overvaluation relative to its earnings.",
     "source": "Financial Data Analysis"
    }
   ]
  },
  {
   "id": "key-statistics",
   "title": "Key Statistics",
   "text": [
    "Upstart Holdings Inc. (UPST) exhibits a high P/E ratio of 47.38, significantly exceeding the Financial Services sector median of 16.5, suggesting the stock may be overvalued on earnings. Its price-to-sales ratio of 1.83 is below the sector median of 3.8, which could indicate a more attractive valuation from a revenue perspective. The company's net profit margin is 4.69% and its return on equity is 7.94%, both trailing the sector medians of 13.8% and 11.7% respectively. The company's debt-to-equity ratio stands at 2.58, which is considerably higher than the sector median of 2.58, indicating a greater reliance on debt financing. While revenue growth has been positive at 42.3%, it is substantially higher than the sector median of 11.7%, suggesting strong top-line expansion. However, the elevated P/E ratio and higher debt levels, coupled with below-average profitability metrics, present a mixed fundamental picture that warrants careful consideration.",
    "Upstart Holdings Inc. (UPST) most recently reported earnings for the quarter ending June 2026, with an actual EPS of $0.57, beating the estimated $0.55 by 3.64%. This positive surprise was met with a slight price decrease of 0.4%. Prior to this, the company missed earnings estimates for the quarter ending March 2026, reporting $0.30 against an estimate of $0.43, a miss of 30.23%, which led to a 7.92% stock price decline. Looking at the historical earnings, the company has shown inconsistency, with a significant EPS miss in the quarter ending March 2026 (-$1.43 actual vs. -$1.03 estimate). The positive beat in the most recent quarter is a step in the right direction, but the pattern suggests volatility in earnings performance.",
    "Upstart Holdings Inc. (UPST) faces significant valuation risk, with its P/E ratio far exceeding the sector average, suggesting its current stock price may not be justified by its earnings. Insider transactions indicate a moderate sell signal, with total insider sales significantly outpacing purchases, potentially signaling a lack of confidence from management. Also, the company's debt-to-equity ratio is high relative to its peers, increasing financial risk."
   ],
   "tables": [
    {
     "caption": "",
     "columns": [],
     "rows": [
      {
       "label": "Market Cap",
       "cells": [
        "2.28B"
       ]
      },
      {
       "label": "P/E Ratio",
       "cells": [
        "47.38"
       ]
      },
      {
       "label": "EPS (TTM)",
       "cells": [
        "0.5200"
       ]
      },
      {
       "label": "Dividend Yield",
       "cells": [
        "0.00%"
       ]
      },
      {
       "label": "52 Week High",
       "cells": [
        "71.38"
       ]
      },
      {
       "label": "52 Week Low",
       "cells": [
        "23.72"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "technical-indicators",
   "title": "Technical Indicators",
   "text": [
    "Technical Rating Bearish RSI Oversold SMA Cross Bearish Price vs SMA Bearish MACD Bearish Moving averages show a lagging Death Cross (50-day: $28.05, 200-day: $32.88), price is trading below the 50-day SMA, RSI at 26.5 suggests oversold conditions; potential bounce setup."
   ],
   "facts": {
    "RSI": "Oversold",
    "SMA Cross": "Bearish",
    "Price vs SMA": "Bearish",
    "MACD": "Bearish"
   },
   "tables": [
    {
     "caption": "",
     "columns": [],
     "rows": [
      {
       "label": "RSI (14)",
       "cells": [
        "26.50"
       ]
      },
      {
       "label": "MACD",
       "cells": [
        "-1.24"
       ]
      },
      {
       "label": "SMA 50",
       "cells": [
        "28.05"
       ]
      },
      {
       "label": "SMA 200",
       "cells": [
        "32.88"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "correlations",
   "title": "Market Correlations",
   "text": [
    "How this stock moves relative to other assets",
    "Based on 1 year of daily price data. Correlations may vary over different time periods."
   ],
   "facts": {
    "Correlation with S&P 500 (SPY)": "+0.54",
    "Correlation with Nasdaq 100 (QQQ)": "+0.51",
    "Correlation with Bitcoin (BTC)": "+0.42",
    "Correlation with Gold (XAU)": "+0.05"
   }
  },
  {
   "id": "trade-plans",
   "title": "UPST Trade Plans",
   "text": [
    "Specific entry, exit, and risk management levels",
    "Enter now if confident",
    "Volatility-Adjusted Stop Loss Calculated based on RSI (26.5) and current market volatility",
    "Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3"
   ],
   "facts": {
    "TARGET 1": "$24.28",
    "TARGET 2": "$24.75",
    "TARGET 3": "$25.46",
    "STOP LOSS": "$21.76"
   }
  },
  {
   "id": "seasonality",
   "title": "Seasonal Patterns",
   "text": [
    "Historical monthly performance trends",
    "Based on 3 years of historical monthly returns"
   ],
   "facts": {
    "Average Jan return": "+5.94%",
    "Average Feb return": "-4.40%",
    "Average Mar return": "+4.07%",
    "Average Apr return": "-9.73%",
    "Average May return": "+18.36%",
    "Average Jun return": "+2.31%",
    "Average Jul return": "+11.69%",
    "Average Aug return": "+14.73%",
    "Average Sep return": "-3.15%",
    "Average Oct return": "+5.57%",
    "Average Nov return": "+2.71%",
    "Average Dec return": "+1.39%"
   }
  },
  {
   "id": "risk",
   "title": "Risk & Volatility",
   "facts": {
    "Daily Volatility": "2.95%"
   },
   "lists": {
    "Risk considerations": [
     "Monitor position sizing based on current volatility levels",
     "Consider stop-loss placement beyond recent price range",
     "Diversification helps mitigate single-stock risk exposure"
    ]
   }
  },
  {
   "id": "growth",
   "title": "Growth of $10,000",
   "text": [
    "A $10,000 investment in UPST in December 2020 would be worth about $8,079 today, compared with about $20,838 for the same investment in the S&P 500 benchmark."
   ]
  },
  {
   "id": "monte-carlo",
   "title": "Monte Carlo Projection (10yr)",
   "text": [
    "CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in UPST today could grow to about $11,064 by 2036 in the base case, with a bull case near $83,936 and a bear case around $1,458. Projections are statistical simulations, not guarantees."
   ]
  },
  {
   "id": "price-prediction",
   "title": "UPST Stock Price Prediction: 2030",
   "text": [
    "CleaRank's simulation projects a price near $24.79 for UPST by 2030 in the base case, from $23.81 today (1.0x over 4 years). The downside path ends near $6.88. These are outcomes of a Monte Carlo simulation run on UPST's historical return distribution, not price targets, and they assume no dividends are reinvested.",
    "Method: 10,000 simulated price paths using UPST's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice."
   ],
   "tables": [
    {
     "caption": "UPST simulated price paths by year",
     "columns": [
      "Year",
      "Downside (10th pct)",
      "Base case",
      "Upside (90th pct)"
     ],
     "rows": [
      {
       "label": "2027",
       "cells": [
        "$12.67",
        "$24.05",
        "$45.65"
       ]
      },
      {
       "label": "2028",
       "cells": [
        "$9.82",
        "$24.30",
        "$60.13"
       ]
      },
      {
       "label": "2029",
       "cells": [
        "$8.09",
        "$24.54",
        "$74.46"
       ]
      },
      {
       "label": "2030",
       "cells": [
        "$6.88",
        "$24.79",
        "$89.31"
       ]
      },
      {
       "label": "2031",
       "cells": [
        "$5.98",
        "$25.04",
        "$105"
       ]
      },
      {
       "label": "2032",
       "cells": [
        "$5.27",
        "$25.30",
        "$122"
       ]
      },
      {
       "label": "2033",
       "cells": [
        "$4.69",
        "$25.56",
        "$139"
       ]
      },
      {
       "label": "2034",
       "cells": [
        "$4.21",
        "$25.82",
        "$158"
       ]
      },
      {
       "label": "2035",
       "cells": [
        "$3.81",
        "$26.08",
        "$178"
       ]
      },
      {
       "label": "2036",
       "cells": [
        "$3.47",
        "$26.34",
        "$200"
       ]
      }
     ]
    }
   ]
  },
  {
   "id": "people-also-watch",
   "title": "People Also Watch",
   "links": [
    {
     "text": "SBET Sharplink Inc. NASDAQ $9.63 -3.22%",
     "url": "https://clearank.com/stock/sharplink-sbet/"
    },
    {
     "text": "CLSK CleanSpark, Inc. NASDAQ $13.95 -2.17%",
     "url": "https://clearank.com/stock/cleanspark-clsk/"
    },
    {
     "text": "WULF TeraWulf Inc. NASDAQ $15.74 -3.38%",
     "url": "https://clearank.com/stock/terawulf-wulf/"
    },
    {
     "text": "TFC Truist Financial Corporation NYSE $47.66 +1.02%",
     "url": "https://clearank.com/stock/truist-financial-tfc/"
    },
    {
     "text": "RIOT Riot Platforms, Inc. NASDAQ $23.00 -2.04%",
     "url": "https://clearank.com/stock/riot-stock-analysis/"
    },
    {
     "text": "CME CME Group Inc. NASDAQ $264.48 -1.65%",
     "url": "https://clearank.com/stock/cme-stock-analysis/"
    },
    {
     "text": "ZION Zions Bancorporation, National Association NASDAQ $63.83 +1.61%",
     "url": "https://clearank.com/stock/zion-stock-analysis/"
    },
    {
     "text": "MMC Marsh & McLennan Companies, Inc. NYSE $171.12 +0.70%",
     "url": "https://clearank.com/stock/mmc-stock-analysis/"
    }
   ]
  },
  {
   "id": "related-comparisons",
   "title": "Popular Comparisons",
   "links": [
    {
     "text": "SOFI vs UPST Comparison Head-to-head analysis →",
     "url": "https://clearank.com/compare/sofi-vs-upstart/"
    },
    {
     "text": "General Dynamics (GD) vs Lockheed Martin (LMT) Comparison Head-to-head analysis →",
     "url": "https://clearank.com/compare/general-dynamics-vs-lockheed-martin/"
    },
    {
     "text": "Invesco QQQ vs Vanguard S&P 500 (VOO) Comparison Head-to-head analysis →",
     "url": "https://clearank.com/compare/qqq-vs-voo/"
    }
   ]
  },
  {
   "id": "insider-trading",
   "title": "UPST Insider Trading Analysis",
   "facts": {
    "Bought": "$11.6M",
    "Sold": "$27.4M",
    "Insiders": "14",
    "Avg Transaction": "$618.3K"
   },
   "tables": [
    {
     "caption": "Recent insider transactions in UPST",
     "columns": [
      "Date",
      "Insider",
      "Type",
      "Shares",
      "Value"
     ],
     "rows": [
      {
       "label": "Nov 15, 2021",
       "cells": [
        "LOEB DANIEL S Divisional Officer",
        "Sell",
        "2.2M",
        "$512.9M"
       ]
      },
      {
       "label": "Aug 24, 2021",
       "cells": [
        "LOEB DANIEL S Divisional Officer",
        "Sell",
        "981.2K",
        "$198.2M"
       ]
      },
      {
       "label": "Nov 19, 2021",
       "cells": [
        "LOEB DANIEL S Beneficial Owner of more than 10% of a Class of Security",
        "Sell",
        "750.0K",
        "$159.7M"
       ]
      },
      {
       "label": "Dec 2, 2021",
       "cells": [
        "LOEB DANIEL S Beneficial Owner of more than 10% of a Class of Security",
        "Sell",
        "805.0K",
        "$138.5M"
       ]
      },
      {
       "label": "Aug 19, 2021",
       "cells": [
        "COUNSELMAN ANNA M. Officer",
        "Sell",
        "608.4K",
        "$122.7M"
       ]
      },
      {
       "label": "Dec 3, 2021",
       "cells": [
        "LOEB DANIEL S Beneficial Owner of more than 10% of a Class of Security",
        "Sell",
        "395.0K",
        "$70.4M"
       ]
      },
      {
       "label": "Oct 15, 2021",
       "cells": [
        "GU PAUL Officer and Director",
        "Sell",
        "155.0K",
        "$60.6M"
       ]
      },
      {
       "label": "Nov 1, 2021",
       "cells": [
        "GIROUARD DAVID Chief Executive Officer",
        "Sell",
        "125.0K",
        "$42.1M"
       ]
      },
      {
       "label": "Sep 15, 2021",
       "cells": [
        "GU PAUL Officer and Director",
        "Sell",
        "155.0K",
        "$41.9M"
       ]
      },
      {
       "label": "Nov 23, 2021",
       "cells": [
        "LOEB DANIEL S Beneficial Owner of more than 10% of a Class of Security",
        "Sell",
        "200.0K",
        "$39.6M"
       ]
      }
     ]
    }
   ],
   "links": [
    {
     "text": "SEC Form 4",
     "url": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&company=Upstart+Holdings+Inc.&type=4&dateb=&owner=include&count=40&search_text=&action=getcompany"
    }
   ]
  },
  {
   "id": "faq",
   "title": "Frequently Asked Questions"
  }
 ],
 "faq": [
  {
   "question": "What is Upstart Holdings Inc.'s current stock price and consensus rating?",
   "answer": "As of September 27, 2026, Upstart Holdings Inc. (UPST) is trading at $23.81. The consensus rating among Wall Street analysts is 'Hold', with a consensus score of 59 out of 100."
  },
  {
   "question": "What are the key technical levels for Upstart Holdings Inc. stock?",
   "answer": "Upstart Holdings Inc. (UPST) is currently trading below its 50-day SMA of $28.05 and its 200-day SMA of $32.88, indicating a bearish trend. The RSI is at 26.5, signaling oversold conditions, while the MACD is negative at -1.24."
  },
  {
   "question": "What is the median Wall Street price target for Upstart Holdings Inc.?",
   "answer": "The median Wall Street price target for Upstart Holdings Inc. (UPST) is $39.50, suggesting a potential upside of 65.9% from its current price of $23.81."
  },
  {
   "question": "Are insiders buying or selling Upstart Holdings Inc. stock?",
   "answer": "Insiders at Upstart Holdings Inc. (UPST) are net sellers, with total sales of $27.4 million compared to total purchases of $11.6 million in recent filings. This indicates a moderate sell signal."
  },
  {
   "question": "How does Upstart Holdings Inc.'s valuation compare to its sector averages?",
   "answer": "Upstart Holdings Inc. (UPST) has a P/E ratio of 47.38, significantly higher than the Financial Services sector median of 16.5. However, its price-to-sales ratio of 1.83 is below the sector median of 3.8. The company's debt-to-equity ratio of 2.58 is also higher than the sector median."
  },
  {
   "question": "What was Upstart Holdings Inc.'s most recent earnings performance?",
   "answer": "In the quarter ending June 2026, Upstart Holdings Inc. (UPST) reported an EPS of $0.57, beating estimates by 3.64%, though the stock saw a slight price decrease of 0.4%."
  },
  {
   "question": "What is Upstart Holdings Inc.'s long-range stock forecast for 2030?",
   "answer": "Based on Monte Carlo simulations, Upstart Holdings Inc.'s (UPST) base case stock forecast for 2030 is $24.79, with a downside projection of $6.88 and an upside projection of $89.31. These are statistical outcomes, not price targets."
  }
 ],
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      "text": "As of September 27, 2026, Upstart Holdings Inc. (UPST) is trading at $23.81. The consensus rating among Wall Street analysts is 'Hold', with a consensus score of 59 out of 100."
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      "text": "Upstart Holdings Inc. (UPST) is currently trading below its 50-day SMA of $28.05 and its 200-day SMA of $32.88, indicating a bearish trend. The RSI is at 26.5, signaling oversold conditions, while the MACD is negative at -1.24."
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     "acceptedAnswer": {
      "@type": "Answer",
      "text": "Upstart Holdings Inc. (UPST) has a P/E ratio of 47.38, significantly higher than the Financial Services sector median of 16.5. However, its price-to-sales ratio of 1.83 is below the sector median of 3.8. The company's debt-to-equity ratio of 2.58 is also higher than the sector median."
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      "text": "In the quarter ending June 2026, Upstart Holdings Inc. (UPST) reported an EPS of $0.57, beating estimates by 3.64%, though the stock saw a slight price decrease of 0.4%."
     }
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      "@type": "Answer",
      "text": "Based on Monte Carlo simulations, Upstart Holdings Inc.'s (UPST) base case stock forecast for 2030 is $24.79, with a downside projection of $6.88 and an upside projection of $89.31. These are statistical outcomes, not price targets."
     }
    }
   ]
  }
 ]
}