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Compass Point Upgrades Upstart (UPST) to Neutral, Ups PT to $30 Citing Ambitious 2028 Outlook
Compass Point Upgrades Upstart (UPST) to Neutral, Ups PT to $30 Citing Ambitious 2028 Outlook
Maham Fatima
Fri, February 20, 2026 at 9:28 AM GMT+9 2 min read
In this article:
UPST
-2.79%
Upstart Holdings Inc. (NASDAQ:UPST) is one of the best growth stocks to buy for the next 20 years. On February 17, following the company’s Q4 2025 earnings report, Compass Point analyst Giuliano Bologna upgraded Upstart from Sell to Neutral and raised the price target to $30 from $20. Bologna noted that while the company’s 2028 outlook is ambitious, successful execution would make the shares less expensive and provide a potential case for upside.
On February 13, Goldman Sachs upgraded Upstart to Neutral from Sell and set a $35 price target, down from its previous target of $44. The firm noted that its earlier bearish thesis, which was centered on potential margin and take rate compression from new products, has now materialized and is better understood by the market. Given that the stock has plummeted 60% since the firm first issued the Sell rating last July, Goldman Sachs believes that the risk-reward profile is now more balanced.
Additionally, Bank of America lowered its price target on Upstart Holdings Inc. (NASDAQ:UPST) to $60 from $71 and kept a Neutral rating. This adjustment followed a decent Q4 2025 report and an unexpectedly strong 2026 revenue forecast of $1.4 billion, well above the $1.27 billion consensus.
Compass Point Upgrades Upstart (UPST) to Neutral, Ups PT to $30 Citing Ambitious 2028 Outlook
Upstart Holdings Inc. (NASDAQ:UPST), together with its subsidiaries, operates a cloud-based AI lending platform in the US. The company has three segments: Personal Lending, Auto Lending, and Other.
While we acknowledge the potential of UPST as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you’re looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.
READ NEXT: 30 Stocks That Should Double in 3 Years and 11 Hidden AI Stocks to Buy Right Now**.**
Disclosure: None. This article is originally published at Insider Monkey.
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