The stock of Upstart Holdings Inc (UPST) has gone up by 2.17% for the week, with a -42.45% drop in the past month and a -38.23% drop in the past quarter. The volatility ratio for the week is 8.34%, and the volatility levels for the past 30 days are 8.80% for UPST. The simple moving average for the last 20 days is -21.74% for UPST stock, with a simple moving average of -1.79% for the last 200 days.
Is It Worth Investing in Upstart Holdings Inc (NASDAQ: UPST) Right Now?
The 36-month beta value for UPST is also noteworthy at 2.37. There are mixed opinions on the stock, with 4 analysts rating it as a “buy,” 2 rating it as “overweight,” 7 rating it as “hold,” and 1 rating it as “sell.”
The public float for UPST is 81.35M, and at present, short sellers hold a 20.56% of that float. The average trading volume of UPST on March 17, 2025 was 5.85M shares.
UPST) stock’s latest price update
Upstart Holdings Inc (NASDAQ: UPST)’s stock price has decreased by -0.23 compared to its previous closing price of 48.54. However, the company has seen a 2.17% increase in its stock price over the last five trading sessions. zacks.com reported 2025-03-13 that Here we present five AI-powered non-tech stocks have solid growth potential for 2025. These are: PYPL, V, UPST, NFLX, JCI.
Analysts’ Opinion of UPST
Many brokerage firms have already submitted their reports for UPST stocks, with Morgan Stanley repeating the rating for UPST by listing it as a “Equal-Weight.” The predicted price for UPST in the upcoming period, according to Morgan Stanley is $70 based on the research report published on February 14, 2025 of the current year 2025.
JP Morgan, on the other hand, stated in their research note that they expect to see UPST reach a price target of $79, previously predicting the price at $57. The rating they have provided for UPST stocks is “Neutral” according to the report published on February 12th, 2025.
B. Riley Securities gave a rating of “Buy” to UPST, setting the target price at $105 in the report published on February 12th of the current year.
UPST Trading at -24.86% 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 -49.78% of loss for the given period.
Volatility was left at 8.80%, however, over the last 30 days, the volatility rate increased by 8.34%, as shares sank -41.27% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading -21.38% lower at present.
During the last 5 trading sessions, UPST rose by +2.12%, which changed the moving average for the period of 200-days by +105.89% in comparison to the 20-day moving average, which settled at $61.88. In addition, Upstart Holdings Inc saw -21.34% in overturn over a single year, with a tendency to cut further losses.
Insider Trading
Reports are indicating that there were more than several insider trading activities at UPST starting from Cooper Kerry Whorton, who sale 500 shares at the price of $68.09 back on Mar 03 ’25. After this action, Cooper Kerry Whorton now owns 18,156 shares of Upstart Holdings Inc, valued at $34,045 using the latest closing price.
Darling Scott, the Chief Legal Officer of Upstart Holdings Inc, sale 15,507 shares at $65.12 during a trade that took place back on Feb 28 ’25, which means that Darling Scott is holding 135,463 shares at $1,009,767 based on the most recent closing price.
Stock Fundamentals for UPST
Current profitability levels for the company are sitting at:
- -0.27 for the present operating margin
- 1.0 for the gross margin
The net margin for Upstart Holdings Inc stands at -0.2. The total capital return value is set at -0.09. Equity return is now at value -20.27, with -5.87 for asset returns.
Based on Upstart Holdings Inc (UPST), the company’s capital structure generated 0.7 points at debt to capital in total, while cash flow to debt ratio is standing at 0.13. The debt to equity ratio resting at 2.29. The interest coverage ratio of the stock is -3.59.
Currently, EBITDA for the company is -111.87 million with net debt to EBITDA at -5.94. When we switch over and look at the enterprise to sales, we see a ratio of 8.27. The receivables turnover for the company is 4.97for trailing twelve months and the total asset turnover is 0.27. The liquidity ratio also appears to be rather interesting for investors as it stands at 5.13.
Conclusion
In summary, Upstart Holdings Inc (UPST) has had a mixed performance as of late. Analysts have mixed opinions on the stock, with some viewing it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
