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.
Aroon Indicator for UPST shows an upward move is likely
UPST's Aroon Indicator triggered a bullish signal on July 15, 2025. Tickeron's A.I.dvisor detected that the AroonUp green line is above 70 while the AroonDown red line is below 30. When the up indicator moves above 70 and the down indicator remains below 30, it is a sign that the stock could be setting up for a bullish move. Traders may want to buy the stock or look to buy calls options. A.I.dvisor looked at 195 similar instances where the Aroon Indicator showed a similar pattern. In of the 195 cases, the stock moved higher in the days that followed. This puts the odds of a move higher at .
Technical Analysis (Indicators)
Bullish Trend Analysis
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where UPST advanced for three days, in of 257 cases, the price rose further within the following month. The odds of a continued upward trend are .
Bearish Trend Analysis
The 10-day RSI Indicator for UPST moved out of overbought territory on July 15, 2025. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 41 similar instances where the indicator moved out of overbought territory. In of the 41 cases, the stock moved lower in the following days. This puts the odds of a move lower at .
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In of 55 cases where UPST's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are .
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 July 02, 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 Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating steady price growth. UPST’s price grows at a higher 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 fair valued 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 (3.595) is normal, around the industry mean (5.070). P/E Ratio (20.040) is within average values for comparable stocks, (56.791). UPST's Projected Growth (PEG Ratio) (0.000) is very low in comparison to the industry average of (1.599). UPST has a moderately low Dividend Yield (0.000) as compared to the industry average of (0.041). P/S Ratio (4.355) is also within normal values, averaging (3.536).
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to worse than average 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 weak sales and an unprofitable 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 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 68, placing this stock worse than average.
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