Analysts’ Recent Ratings Changes for Upstart (UPST)

Several brokerages have updated their recommendations and price targets on shares of Upstart (NASDAQ: UPST) in the last few weeks:

• 8/17/2026 – Upstart was upgraded by Weiss Ratings from “sell (d)” to “hold (c-)”.
• 8/8/2026 – Upstart was upgraded by Wall Street Zen from “sell” to “hold”.
• 8/5/2026 – Upstart had its price target raised by Needham & Company LLC from $40.00 to $42.00. They now have a “buy” rating on the stock.
• 8/5/2026 – Upstart had its “buy” rating reaffirmed by BTIG Research. They now have a $43.00 price target on the stock.
• 8/5/2026 – Upstart had its price target raised by Piper Sandler from $46.00 to $51.00. They now have an “overweight” rating on the stock.
• 8/3/2026 – Upstart had its “sell (d)” rating reaffirmed by Weiss Ratings.
• 7/22/2026 – Upstart had its price target lowered by Citigroup Inc. from $80.00 to $61.00. They now have a “buy” rating on the stock.
• 7/9/2026 – Upstart had its price target raised by The Goldman Sachs Group, Inc. from $32.00 to $39.00. They now have a “neutral” rating on the stock.
• 7/7/2026 – Upstart had its “buy” rating reaffirmed by BTIG Research. They now have a $43.00 price target on the stock.
• 7/7/2026 – Upstart had its price target raised by Needham & Company LLC from $37.00 to $40.00. They now have a “buy” rating on the stock.
• 6/27/2026 – Upstart was downgraded by Wall Street Zen from “hold” to “sell”.

Insider Buying and Selling

In other news, insider Sanjay Datta sold 15,000 shares of the firm’s stock in a transaction on Tuesday, June 9th. The stock was sold at an average price of $30.41, for a total transaction of $456,150.00. Following the transaction, the insider directly owned 313,556 shares of the company’s stock, valued at approximately $9,535,237.96. This trade represents a 4.57% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through the SEC website. Also, insider Natalia Mirgorodskaya sold 974 shares of Upstart stock in a transaction dated Tuesday, May 26th. The stock was sold at an average price of $28.99, for a total value of $28,236.26. Following the transaction, the insider directly owned 37,374 shares in the company, valued at approximately $1,083,472.26. The trade was a 2.54% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold 28,182 shares of company stock valued at $842,723 in the last three months. 17.29% of the stock is currently owned by corporate insiders.

Upstart Holdings, Inc operates a cloud-based lending marketplace that leverages artificial intelligence and machine learning to assess borrower creditworthiness. The company partners with banks and credit unions, providing its proprietary AI models and underwriting platform to facilitate consumer credit products. By focusing on non?traditional data points—such as education, employment history and other real?time indicators—Upstart seeks to improve approval rates and lower loss rates compared with conventional credit scoring methods.

Upstart’s core offering centers on unsecured personal loans, which borrowers can use for purposes such as debt consolidation, home improvements or major purchases.