Upstart (UPST, $203.29) shares get rating upgrade at Barclays
Upstart Holdings shares got a rating boost at Barclays.
Barclays' analyst Ramsey El-Assal upgraded shares of the AI lending platform to overweight from equal weight. The analyst also hiked his price target on the stock to $230 from $130.
According to El-Assal, "continued impressive performance," leads to Barclays’ expectations of improvements in conversion rate, top-of-funnel acquisition, and margins are more sustainable than they previously thought. The analyst sees additional upside potential from the auto vertical, and normalization of the credit environment.
El-Assal mentioned that macro factors have resulted in a lower cost of funds, which has helped Upstart offer loans on lower rates for potential borrowers.
The analyst noted that the majority of Upstart’s conversion rate improvement has been fuelled by improvements to the company’s underwriting technology which have enabled the company offer more attractive rates to a wider group of borrowers.
UPST's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for UPST turned positive on November 21, 2025. Looking at past instances where UPST's MACD turned positive, the stock continued to rise in of 43 cases over the following month. The odds of a continued upward trend are .
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where UPST's RSI Indicator exited the oversold zone, of 28 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are .
The Momentum Indicator moved above the 0 level on November 24, 2025. You may want to consider a long position or call options on UPST as a result. In of 79 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are .
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where UPST advanced for three days, in of 284 cases, the price rose further within the following month. The odds of a continued upward trend are .
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
The 50-day moving average for UPST moved below the 200-day moving average on October 28, 2025. This could be a long-term bearish signal for the stock as the stock shifts to an downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where UPST declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
UPST broke above its upper Bollinger Band on November 28, 2025. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for UPST entered a downward trend on November 28, 2025. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating slightly weaker than average sales and a marginally profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating slightly worse than average price growth. UPST’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (5.882) is normal, around the industry mean (12.369). P/E Ratio (172.923) is within average values for comparable stocks, (37.599). UPST's Projected Growth (PEG Ratio) (0.000) is slightly lower than the industry average of (1.389). UPST has a moderately low Dividend Yield (0.000) as compared to the industry average of (0.040). P/S Ratio (4.805) is also within normal values, averaging (128.870).
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating that the returns do not compensate for the risks. UPST’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 73, placing this stock worse than average.
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