UPST Should I Buy
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Upstart Holdings Inc (UPST) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the company has shown revenue growth, its net income and EPS have significantly declined, and insider selling has surged. Additionally, technical indicators are bearish, and there are no strong trading signals or recent congress trading data to support a buy decision. The current pre-market price drop and mixed analyst sentiment further reinforce a cautious approach.
The technical indicators are bearish. The MACD histogram is negative and contracting, RSI is neutral at 40.629, and moving averages show a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading below the pivot level of 29.984, with key support at 27.474 and resistance at 32.494.
Upstart secured a $200 million forward-flow asset purchase agreement with Wafra to enhance its auto finance platform.
Revenue increased by 33.09% YoY in Q4
Analysts from Compass Point and Goldman Sachs upgraded the stock to Neutral from Sell, with price targets of $30 and $35 respectively.
Net income and EPS dropped significantly in Q4 2025, with net income down -776.44% YoY and EPS down -666.67%.
Insiders are selling heavily, with a 824.98% increase in selling activity over the last month.
The pre-market price is down -4.21%, and the broader market (S&P
is also down -0.84%.
Citizens downgraded the stock to Underperform with a $20 price target, citing valuation concerns.
In Q4 2025, revenue increased to $265.22 million, up 33.09% YoY. However, net income dropped to $18.64 million, down -776.44% YoY, and EPS fell to 0.17, down -666.67% YoY. Gross margin slightly improved to 80.45%, up 1.03% YoY.
Analyst sentiment is mixed. Compass Point and Goldman Sachs upgraded the stock to Neutral, with price targets of $30 and $35, respectively. However, Citizens downgraded it to Underperform with a $20 price target, citing valuation concerns. Truist and BofA lowered their price targets but maintained Buy and Neutral ratings, respectively.
