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Upstart Holdings (UPST)
NASDAQ:UPST
US Market
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Upstart Holdings (UPST) Stock Forecast & Price Target

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See the Price Targets and Ratings of:

UPST Analyst Ratings

Moderate Buy
12Ratings
Moderate Buy
7 Buy
5 Hold
0 Sell
Based on 12 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

$42.91
▲(40.82% Upside)
Based on 12 Wall Street analysts offering 12 month price targets for Upstart Holdings in the last 3 months. The average price target is $42.91 with a high forecast of $61.00 and a low forecast of $30.00. The average price target represents a 40.82% change from the last price of $30.47.
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<span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 5,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 7, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 6</span>\n      ","marker":{"lineColor":"#828080","enabled":true,"symbol":"circle"}},{"y":52.13,"date":1759276800000,"info":" <span style=\"color:#828080\" class=\"mb3 mt2 fonth8_semibold\"> Hold</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 11, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 6</span>\n      ","marker":{"lineColor":"#828080","enabled":true,"symbol":"circle"}},{"y":47.52,"date":1761955200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Buy</span>\n            <div 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Highest Price Target$61.00Average Price Target$42.91Lowest Price Target$30.00
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​

Detailed List of Analyst Forecasts​
Analyst Profile
Expert Firm
Price Target
Position
Upside / Downside
Action
Date
Follow
Article
BTIG
$43
Buy
41.12%
Upside
Reiterated
08/21/26
Analysts Offer Insights on Financial Companies: Ionic Digital Inc. Class A (NASDAQ: IOND) and Upstart Holdings (NASDAQ: UPST)
DBS
$35
Hold
14.87%
Upside
Reiterated
08/13/26
Upstart Holdings (UPST) Gets a Hold from DBS
Bank of America Securities Analyst forecast on UPST
Bank of America Securities
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
Morgan Stanley Analyst forecast on UPST
Morgan Stanley
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)
B. Riley Securities Analyst forecast on UPST
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)
Piper Sandler Analyst forecast on UPST
Piper Sandler
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
Mizuho Securities Analyst forecast on UPST
Mizuho Securities
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)
Needham
$40$42
Buy
37.84%
Upside
Reiterated
08/05/26
Kyle Peterson Reiterates Buy on Upstart, Raising Price Target to $42 After Strong Q2 Revenue and EBITDA Beat
Goldman Sachs Analyst forecast on UPST
Goldman Sachs
Goldman Sachs
$39
Hold
27.99%
Upside
Reiterated
08/05/26
Analysts Have Conflicting Sentiments on These Financial Companies: Progressive (NYSE: PGR), Upstart Holdings (NASDAQ: UPST) and Moody's (NYSE: MCO)
Truist Financial Analyst forecast on UPST
Truist Financial
Truist Financial
Buy
Reiterated
08/04/26
Analysts Offer Insights on Financial Companies: Progressive (NYSE: PGR), Bank of New York Mellon (NYSE: BNY) and Upstart Holdings (NASDAQ: UPST)
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
Jefferies Analyst forecast on UPST
Jefferies
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
Compass Point Analyst forecast on UPST
Compass Point
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
Citizens JMP Analyst forecast on UPST
Citizens JMP
Citizens JMP
$20
Sell
-34.36%
Downside
Downgraded
02/13/26
Upstart downgraded to Underperform from Market Perform at CitizensUpstart downgraded to Underperform from Market Perform at Citizens
Stephens Analyst forecast on UPST
Unknown Analyst
Stephens
Not Ranked
Stephens
$45
Hold
47.69%
Upside
Reiterated
02/11/26
Stephens Sticks to Their Hold Rating for Upstart Holdings (UPST)
Analyst Type
Any
Any
Human Analysts
Ranks
Any
Any
Analyst Rating
Any
Any
Upside/ Downside
Any
Any
Action
Any
Any
Analyst Profile
Expert Firm
Price Target
Position
Upside / Downside
Action
Date
Follow
Article
BTIG
$43
Buy
41.12%
Upside
Reiterated
08/21/26
Analysts Offer Insights on Financial Companies: Ionic Digital Inc. Class A (NASDAQ: IOND) and Upstart Holdings (NASDAQ: UPST)
DBS
$35
Hold
14.87%
Upside
Reiterated
08/13/26
Upstart Holdings (UPST) Gets a Hold from DBS
Bank of America Securities Analyst forecast on UPST
Bank of America Securities
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
Morgan Stanley Analyst forecast on UPST
Morgan Stanley
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)
B. Riley Securities Analyst forecast on UPST
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)
Piper Sandler Analyst forecast on UPST
Piper Sandler
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
Mizuho Securities Analyst forecast on UPST
Mizuho Securities
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)
Needham
$40$42
Buy
37.84%
Upside
Reiterated
08/05/26
Kyle Peterson Reiterates Buy on Upstart, Raising Price Target to $42 After Strong Q2 Revenue and EBITDA Beat
Goldman Sachs Analyst forecast on UPST
Goldman Sachs
Goldman Sachs
$39
Hold
27.99%
Upside
Reiterated
08/05/26
Analysts Have Conflicting Sentiments on These Financial Companies: Progressive (NYSE: PGR), Upstart Holdings (NASDAQ: UPST) and Moody's (NYSE: MCO)
Truist Financial Analyst forecast on UPST
Truist Financial
Truist Financial
Buy
Reiterated
08/04/26
Analysts Offer Insights on Financial Companies: Progressive (NYSE: PGR), Bank of New York Mellon (NYSE: BNY) and Upstart Holdings (NASDAQ: UPST)
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
Jefferies Analyst forecast on UPST
Jefferies
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
Compass Point Analyst forecast on UPST
Compass Point
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
Citizens JMP Analyst forecast on UPST
Citizens JMP
Citizens JMP
$20
Sell
-34.36%
Downside
Downgraded
02/13/26
Upstart downgraded to Underperform from Market Perform at CitizensUpstart downgraded to Underperform from Market Perform at Citizens
Stephens Analyst forecast on UPST
Unknown Analyst
Stephens
Not Ranked
Stephens
$45
Hold
47.69%
Upside
Reiterated
02/11/26
Stephens Sticks to Their Hold Rating for Upstart Holdings (UPST)
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Best Analysts Covering Upstart Holdings

3 Months
Dan DolevMizuho Securities
Success Rate
15/25 ratings generated profit
60%
Average Return
+11.02%
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 +11.02% per trade.
1 Year
Dan DolevMizuho Securities
Success Rate
10/25 ratings generated profit
40%
Average Return
-2.58%
Copying Dan Dolev's trades and holding each position for 1 Year would result in 40.00% of your transactions generating a profit, with an average return of -2.58% per trade.
2 Years
Dan DolevMizuho Securities
Success Rate
6/25 ratings generated profit
24%
Average Return
-20.24%
Copying Dan Dolev's trades and holding each position for 2 Years would result in 24.00% of your transactions generating a profit, with an average return of -20.24% 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
May 26
Jun 26
Jul 26
Aug 26
Sep 26
Strong Buy
6
3
4
4
4
Buy
8
10
12
13
9
Hold
8
9
8
10
6
Sell
0
0
0
0
0
Strong Sell
0
0
0
0
0
total
22
22
24
27
19
In the current month, UPST has received 13 Buy Ratings, 6 Hold Ratings, and 0 Sell Ratings. UPST average Analyst price target in the past 3 months is 42.91.
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 $0.20 with a range of $0.06 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.
Next quarter’s earnings estimate for UPST is $0.20 with a range of $0.06 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 $363.36M with a range of $339.40M to $382.30M. 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.
Next quarter’s sales forecast for UPST is $363.36M with a range of $339.40M to $382.30M. 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 42.91.
    What is UPST’s upside potential, based on the analysts’ average price target?
    Upstart Holdings has 40.82% 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 7 buy ratings, 5 hold ratings and 0 sell ratings.
            What is Upstart Holdings’s price target?
            The average price target for Upstart Holdings is 42.91. This is based on 12 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 $30.00. The average price target represents 40.82% 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 12 Wall Streets Analysts.
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