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Upstart Holdings (UPST) Stock Forecast & Price Target

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See the Price Targets and Ratings of:

All Analysts

Top Analysts

Premium

UPST Analyst Ratings

Moderate Buy

8 Buy

5 Hold

0 Sell

Based on 13 analysts giving stock ratings to

Upstart

Holdings

in the past 3 months

TipRanks enables you to focus on the analyst rating consensus of all analysts or only the top performers in the past 3 months

UPST Stock 12 Month Forecast

Average Price Target

$40.25

▲(32.10% Upside)

Based on 13 Wall Street analysts offering 12 month price targets for Upstart Holdings in the last 3 months. The average price target is $40.25 with a high forecast of $61.00 and a low forecast of $18.00. The average price target represents a 32.10% change from the last price of $30.47.

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<div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 7,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 7, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":43.73,"date":1767225600000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 8,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 5, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":39.69,"date":1769904000000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 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Highest Price Target$61.00

Average Price Target$40.25

Lowest Price Target$18.00

The highest, average, and lowest price target of all analysts. Click on ‘Top Analysts’ to focus on the best performers.

Detailed List of Analyst Forecasts

David Scharf

Citizens JMP

$20→$18

Buy

-40.93%

Downside

Reiterated

10/15/26

Upstart price target lowered to $18 from $20 at CitizensUpstart price target lowered to $18 from $20 at Citizens

Will Nance

Goldman Sachs

$39→$28

Hold

-8.11%

Downside

Assigned

10/13/26

Upstart price target lowered to $28 from $39 at Goldman SachsUpstart price target lowered to $28 from $39 at Goldman Sachs

Kyle Peterson

Needham

$42

Buy

37.84%

Upside

Reiterated

10/06/26

Analysts Offer Insights on Financial Companies: WesBanco (NASDAQ: WSBC), Huntington Bancshares (NASDAQ: HBAN) and Upstart Holdings (NASDAQ: UPST)

Vincent Caintic

BTIG

$43

Buy

41.12%

Upside

Reiterated

09/21/26

Analysts' Top Financial Picks: Upstart Holdings (UPST), OSL Group Limited (HK:0863)

Reginald Smith

Loop Capital Markets

$34

Hold

11.59%

Upside

Initiated

09/08/26

Upstart initiated with a Hold at Loop CapitalUpstart initiated with a Hold at Loop Capital

Arvind Ramnani

Truist Financial

―

Buy

―

Reiterated

09/04/26

Analysts Have Conflicting Sentiments on These Financial Companies: TransUnion (NYSE: TRU) and Upstart Holdings (NASDAQ: UPST)

Manyi Lu

DBS

$35

Hold

14.87%

Upside

Reiterated

08/13/26

Upstart Holdings (UPST) Gets a Hold from DBS

Mihir Bhatia

Bank of America Securities

$37

Hold

21.43%

Upside

Reiterated

08/13/26

Upstart: Neutral Rating Maintained as Profit Focus Improves but Macro Uncertainty Persists; Price Target Reaffirmed at $37

James Faucette

Morgan Stanley

$35

Hold

14.87%

Upside

Assigned

08/06/26

Analysts Offer Insights on Financial Companies: Assurant (NYSE: AIZ), Upstart Holdings (NASDAQ: UPST) and Skyward Specialty Insurance Group, Inc. (NASDAQ: SKWD)

Unknown Analyst

B. Riley Securities

Not Ranked

B. Riley Securities

$54

Buy

77.22%

Upside

Reiterated

08/05/26

B. Riley Securities Sticks to Their Buy Rating for Upstart Holdings (UPST)

Patrick Moley

Piper Sandler

$46→$51

Buy

67.38%

Upside

Assigned

08/05/26

Upstart price target raised to $51 from $46 at Piper SandlerUpstart price target raised to $51 from $46 at Piper Sandler

Dan Dolev

Mizuho Securities

$45

Buy

47.69%

Upside

Reiterated

08/05/26

Analysts Offer Insights on Financial Companies: Progressive (NYSE: PGR) and Upstart Holdings (NASDAQ: UPST)

Peter Christiansen

Citi

$80→$61

Buy

100.20%

Upside

Reiterated

07/22/26

Upstart price target lowered to $61 from $80 at CitiUpstart price target lowered to $61 from $80 at Citi

John Hecht

Jefferies

$27→$30

Hold

-1.54%

Downside

Assigned

06/09/26

Piper Sandler’s John Hecht Reiterates Hold on Upstart, Sets $30 Price Target Amid Strategic Pivot and Execution Uncertainties

Giuliano Bologna

Compass Point

$20→$30

Hold

-1.54%

Downside

Upgraded

02/16/26

Upstart upgraded to Neutral from Sell at Compass PointUpstart upgraded to Neutral from Sell at Compass Point

Analyst Type

Any

Human Analysts

Ranks

Any

Analyst Rating

Any

Upside/ Downside

Any

Action

Any

David Scharf

Citizens JMP

$20→$18

Buy

-40.93%

Downside

Reiterated

10/15/26

Upstart price target lowered to $18 from $20 at CitizensUpstart price target lowered to $18 from $20 at Citizens

Will Nance

Goldman Sachs

$39→$28

Hold

-8.11%

Downside

Assigned

10/13/26

Upstart price target lowered to $28 from $39 at Goldman SachsUpstart price target lowered to $28 from $39 at Goldman Sachs

Kyle Peterson

Needham

$42

Buy

37.84%

Upside

Reiterated

10/06/26

Analysts Offer Insights on Financial Companies: WesBanco (NASDAQ: WSBC), Huntington Bancshares (NASDAQ: HBAN) and Upstart Holdings (NASDAQ: UPST)

Vincent Caintic

BTIG

$43

Buy

41.12%

Upside

Reiterated

09/21/26

Analysts' Top Financial Picks: Upstart Holdings (UPST), OSL Group Limited (HK:0863)

Reginald Smith

Loop Capital Markets

$34

Hold

11.59%

Upside

Initiated

09/08/26

Upstart initiated with a Hold at Loop CapitalUpstart initiated with a Hold at Loop Capital

Arvind Ramnani

Truist Financial

―

Buy

―

Reiterated

09/04/26

Analysts Have Conflicting Sentiments on These Financial Companies: TransUnion (NYSE: TRU) and Upstart Holdings (NASDAQ: UPST)

Manyi Lu

DBS

$35

Hold

14.87%

Upside

Reiterated

08/13/26

Upstart Holdings (UPST) Gets a Hold from DBS

Mihir Bhatia

Bank of America Securities

$37

Hold

21.43%

Upside

Reiterated

08/13/26

Upstart: Neutral Rating Maintained as Profit Focus Improves but Macro Uncertainty Persists; Price Target Reaffirmed at $37

James Faucette

Morgan Stanley

$35

Hold

14.87%

Upside

Assigned

08/06/26

Analysts Offer Insights on Financial Companies: Assurant (NYSE: AIZ), Upstart Holdings (NASDAQ: UPST) and Skyward Specialty Insurance Group, Inc. (NASDAQ: SKWD)

Unknown Analyst

B. Riley Securities

Not Ranked

B. Riley Securities

$54

Buy

77.22%

Upside

Reiterated

08/05/26

B. Riley Securities Sticks to Their Buy Rating for Upstart Holdings (UPST)

Patrick Moley

Piper Sandler

$46→$51

Buy

67.38%

Upside

Assigned

08/05/26

Upstart price target raised to $51 from $46 at Piper SandlerUpstart price target raised to $51 from $46 at Piper Sandler

Dan Dolev

Mizuho Securities

$45

Buy

47.69%

Upside

Reiterated

08/05/26

Analysts Offer Insights on Financial Companies: Progressive (NYSE: PGR) and Upstart Holdings (NASDAQ: UPST)

Peter Christiansen

Citi

$80→$61

Buy

100.20%

Upside

Reiterated

07/22/26

Upstart price target lowered to $61 from $80 at CitiUpstart price target lowered to $61 from $80 at Citi

John Hecht

Jefferies

$27→$30

Hold

-1.54%

Downside

Assigned

06/09/26

Piper Sandler’s John Hecht Reiterates Hold on Upstart, Sets $30 Price Target Amid Strategic Pivot and Execution Uncertainties

Giuliano Bologna

Compass Point

$20→$30

Hold

-1.54%

Downside

Upgraded

02/16/26

Upstart upgraded to Neutral from Sell at Compass PointUpstart upgraded to Neutral from Sell at Compass Point

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Find stocks in the Financial sector that are highly recommended by Top Performing Analysts.

Best Analysts Covering Upstart Holdings

3 Months

Dan DolevMizuho Securities

Success Rate

15/25 ratings generated profit

Average Return

+10.45%

Copying Dan Dolev's trades and holding each position for 3 Months would result in 60.00% of your transactions generating a profit, with an average return of +10.45% per trade.

1 Year

Dan DolevMizuho Securities

Success Rate

8/25 ratings generated profit

Average Return

-5.45%

Copying Dan Dolev's trades and holding each position for 1 Year would result in 32.00% of your transactions generating a profit, with an average return of -5.45% per trade.

2 Years

Dan DolevMizuho Securities

Success Rate

4/25 ratings generated profit

Average Return

-24.88%

Copying Dan Dolev's trades and holding each position for 2 Years would result in 16.00% of your transactions generating a profit, with an average return of -24.88% per trade.

The Best Analyst Covering tool allows you to follow the analysts who have the best success rates and average returns on a specific stock. Only analysts that gave a Buy or Sell rating on the stock in the past 12 months are eligible for inclusion in this tool. Follow the analysts of your choice to receive real-time updates when they publish a new rating.

UPST Analyst Recommendation Trends

Rating

Jun 26

Jul 26

Aug 26

Sep 26

Oct 26

Strong Buy

Buy

Hold

Sell

Strong Sell

total

In the current month, UPST has received 11 Buy Ratings, 8 Hold Ratings, and 0 Sell Ratings. UPST average Analyst price target in the past 3 months is 40.25.

Each month's total comprises the sum of three months' worth of ratings.

UPST Financial Forecast

UPST Earnings Forecast

Next quarter’s earnings estimate for UPST is $0.21 with a range of $0.03 to $0.34. The previous quarter’s EPS was $0.16. UPST beat its EPS estimate ― of the time in the past 12 months, while its overall industry beat the EPS estimate 81.82% of the time in the same period. In the last calendar year UPST has Performed in-line its overall industry.

UPST Sales Forecast

Next quarter’s sales forecast for UPST is $365.18M with a range of $351.27M to $375.08M. The previous quarter’s sales results were $364.71M. UPST beat its sales estimates ― of the time in past 12 months, while its overall industry beat sales estimates 93.33% of the time in the same period. In the last calendar year UPST has Performed in-line its overall industry.

UPST Stock Forecast FAQ

What is UPST’s average 12-month price target, according to analysts?

Based on analyst ratings, Upstart Holdings’s 12-month average price target is 40.25.

What is UPST’s upside potential, based on the analysts’ average price target?

Upstart Holdings has 32.10% upside potential, based on the analysts’ average price target.

Can I see which stocks the top-ranking analysts are rating?

Yes, go to the Analysts’ Top Stocks tool to see stocks with a Strong Buy or Strong Sell analyst rating consensus, according to the top performers.

How can I follow the stock ratings of top Wall Street analysts?

Head over to our Expert Center to see a list of the top 100 Wall Street analysts and follow the analysts of your choice. Visit their profiles for more details about their stock ratings and see how they perform on a stock-by-stock basis.

Is UPST a Buy, Sell or Hold?

Upstart Holdings has a consensus rating of Moderate Buy which is based on 8 buy ratings, 5 hold ratings and 0 sell ratings.

What is Upstart Holdings’s price target?

The average price target for Upstart Holdings is 40.25. This is based on 13 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $61.00 ,the lowest forecast is $18.00. The average price target represents 32.10% Increase from the current price of $30.47.

What do analysts say about Upstart Holdings?

Upstart Holdings’s analyst rating consensus is a Moderate Buy. This is based on the ratings of 13 Wall Streets Analysts.

How can I buy shares of UPST?

Open a brokerage account, see exclusive account opening deals on our Best Online Brokers page.

Upstart Holdings (UPST) Stock Forecast & Price Target

UPST Analyst Ratings

UPST Stock 12 Month Forecast

Average Price Target

Detailed List of Analyst Forecasts​

Best Analysts Covering Upstart Holdings

UPST Analyst Recommendation Trends

UPST Financial Forecast

UPST Earnings Forecast

UPST Sales Forecast

UPST Stock Forecast FAQ

Detailed List of Analyst Forecasts