[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Wall St Engine [@wallstengine](/creator/twitter/wallstengine) on x 71.8K followers Created: 2025-07-14 09:58:27 UTC Goldman Sachs Assumes Coverage on $UPST with Sell Rating, PT $XX Analyst comments: "We assume coverage of UPST from Mike Ng with a Sell rating (Unchanged) and a $XX price target, implying ~10% downside compared to the average ~-0.01% downside for our coverage. We see UPST as a top marketplace lender, and although the company did not materially outperform during the last period of consumer credit weakening, we do see merit in its ability to price risk better than other marketplace lenders through sophisticated machine learning models. Nevertheless, while we see UPST as well positioned to avoid adverse selection of credit in the marketplace lending space, we see limited progress on driving long-term consumer relationships, and see the online personal loan market as a competitive, indirect lending model, that is highly reliant on cyclical third party funding." Analyst: Will Nance XXXXX engagements  **Related Topics** [marketplace](/topic/marketplace) [goldman sachs](/topic/goldman-sachs) [stocks financial services](/topic/stocks-financial-services) [$upst](/topic/$upst) [Post Link](https://x.com/wallstengine/status/1944697994521289171)
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Wall St Engine @wallstengine on x 71.8K followers
Created: 2025-07-14 09:58:27 UTC
Goldman Sachs Assumes Coverage on $UPST with Sell Rating, PT $XX
Analyst comments: "We assume coverage of UPST from Mike Ng with a Sell rating (Unchanged) and a $XX price target, implying ~10% downside compared to the average ~-0.01% downside for our coverage. We see UPST as a top marketplace lender, and although the company did not materially outperform during the last period of consumer credit weakening, we do see merit in its ability to price risk better than other marketplace lenders through sophisticated machine learning models. Nevertheless, while we see UPST as well positioned to avoid adverse selection of credit in the marketplace lending space, we see limited progress on driving long-term consumer relationships, and see the online personal loan market as a competitive, indirect lending model, that is highly reliant on cyclical third party funding."
Analyst: Will Nance
XXXXX engagements
Related Topics marketplace goldman sachs stocks financial services $upst