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

6 Buy

5 Hold

2 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

$56.45

▲(18.62% 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 $56.45 with a high forecast of $80.00 and a low forecast of $20.00. The average price target represents a 18.62% change from the last price of $47.59.

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<span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 14, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 5</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":67.39,"date":1733011200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 19, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":61.57,"date":1735689600000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Buy</span>\n     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style=\"color:#199ca5\">Buy 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 18, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 3</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":46,"date":1743465600000,"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 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 20, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 3</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":47.69,"date":1746057600000,"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 6,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 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Highest Price Target$80.00

Average Price Target$56.45

Lowest Price Target$20.00

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

Dan Dolev

Mizuho Securities

$86→$66

Buy

38.68%

Upside

Reiterated

11/10/25

Upstart price target lowered to $66 from $86 at MizuhoUpstart price target lowered to $66 from $86 at Mizuho

Patrick Moley

Piper Sandler

$80→$56

Buy

17.67%

Upside

Reiterated

11/05/25

Upstart price target lowered to $56 from $80 at Piper SandlerUpstart price target lowered to $56 from $80 at Piper Sandler

Mihir Bhatia

Bank of America Securities

$81→$71

Hold

49.19%

Upside

Reiterated

11/05/25

Cautious Outlook on Upstart Holdings Amid Revenue and Loan Origination ChallengesReiterate Rating: Hold | PO: 71.00 USD | Price: 46.24 USD; We lower our PO to $71 ($81 prior)

Reginald Smith

J.P. Morgan

$88→$65

Buy

36.58%

Upside

Reiterated

11/05/25

Upstart price target lowered to $65 from $88 at JPMorganUpstart price target lowered to $65 from $88 at JPMorgan

James Faucette

Morgan Stanley

$70→$45

Hold

-5.44%

Downside

Reiterated

11/05/25

Upstart price target lowered to $45 from $70 at Morgan StanleyUpstart price target lowered to $45 from $70 at Morgan Stanley

Peter Christiansen

Citi

$100→$80

Buy

68.10%

Upside

Reiterated

11/05/25

Analysts Offer Insights on Financial Companies: MARA Holdings (NASDAQ: MARA) and Upstart Holdings (NASDAQ: UPST)

Kyle Peterson

Needham

$56

Buy

17.67%

Upside

Reiterated

11/05/25

Needham Keeps Their Buy Rating on Upstart Holdings (UPST)

Will Nance

Goldman Sachs

$54→$40

Sell

-15.95%

Downside

Reiterated

11/05/25

Goldman Sachs Remains a Sell on Upstart Holdings (UPST)

Hal Goetsch

B. Riley Securities

$105→$66

Buy

38.68%

Upside

Reiterated

11/04/25

Upstart price target lowered to $66 from $105 at B. RileyUpstart price target lowered to $66 from $105 at B. Riley

Vincent Caintic

BTIG

―

Hold

―

Reiterated

11/04/25

Upstart Holdings: Hold Rating Amid Declining Financial Metrics and Elevated Macro Index Impact

Giuliano Bologna

Compass Point

$20

Sell

-57.97%

Downside

Reiterated

10/28/25

Compass Point Sticks to Their Sell Rating for Upstart Holdings (UPST)*Personal Lenders UPST: Strong 1Q25 Despite Signiﬁcantly Lower Take Rates, FY25 Guidance Implies Signiﬁcant 2H Ramp in Origina ons; Reiterate Sell & $20 PT

Andrew Boone

Citizens JMP

―

Hold

―

Reiterated

10/13/25

Upstart Holdings (UPST) Receives a Hold from Citizens JMPCitizens analyst Andrew Boone reiterated a Market Perform rating on Upstart Holdings Inc (NASDAQ: UPST).

John Hecht

Jefferies

$73→$56

Hold

17.67%

Upside

Reiterated

10/02/25

Jefferies Keeps Their Hold Rating on Upstart Holdings (UPST)Jefferies analyst John Hecht lowered the price target on Upstart Holdings Inc (NASDAQ: UPST) to $56.00 (from $73.00) while maintaining a Hold rating.

Kyle Joseph

Stephens

$55

Hold

15.57%

Upside

Initiated

06/11/25

Upstart initiated with an Equal Weight at StephensUpstart initiated with an Equal Weight at Stephens

Ken Shih

DBS

$52

Hold

9.27%

Upside

Reiterated

05/21/25

Upstart Holdings: Balancing Impressive Growth and Macroeconomic Risks with AI-Driven Strategies

Analyst Type

Any

Human Analysts

Ranks

Any

Analyst Rating

Any

Upside/ Downside

Any

Action

Any

Dan Dolev

Mizuho Securities

$86→$66

Buy

38.68%

Upside

Reiterated

11/10/25

Upstart price target lowered to $66 from $86 at MizuhoUpstart price target lowered to $66 from $86 at Mizuho

Patrick Moley

Piper Sandler

$80→$56

Buy

17.67%

Upside

Reiterated

11/05/25

Upstart price target lowered to $56 from $80 at Piper SandlerUpstart price target lowered to $56 from $80 at Piper Sandler

Mihir Bhatia

Bank of America Securities

$81→$71

Hold

49.19%

Upside

Reiterated

11/05/25

Cautious Outlook on Upstart Holdings Amid Revenue and Loan Origination ChallengesReiterate Rating: Hold | PO: 71.00 USD | Price: 46.24 USD; We lower our PO to $71 ($81 prior)

Reginald Smith

J.P. Morgan

$88→$65

Buy

36.58%

Upside

Reiterated

11/05/25

Upstart price target lowered to $65 from $88 at JPMorganUpstart price target lowered to $65 from $88 at JPMorgan

James Faucette

Morgan Stanley

$70→$45

Hold

-5.44%

Downside

Reiterated

11/05/25

Upstart price target lowered to $45 from $70 at Morgan StanleyUpstart price target lowered to $45 from $70 at Morgan Stanley

Peter Christiansen

Citi

$100→$80

Buy

68.10%

Upside

Reiterated

11/05/25

Analysts Offer Insights on Financial Companies: MARA Holdings (NASDAQ: MARA) and Upstart Holdings (NASDAQ: UPST)

Kyle Peterson

Needham

$56

Buy

17.67%

Upside

Reiterated

11/05/25

Needham Keeps Their Buy Rating on Upstart Holdings (UPST)

Will Nance

Goldman Sachs

$54→$40

Sell

-15.95%

Downside

Reiterated

11/05/25

Goldman Sachs Remains a Sell on Upstart Holdings (UPST)

Hal Goetsch

B. Riley Securities

$105→$66

Buy

38.68%

Upside

Reiterated

11/04/25

Upstart price target lowered to $66 from $105 at B. RileyUpstart price target lowered to $66 from $105 at B. Riley

Vincent Caintic

BTIG

―

Hold

―

Reiterated

11/04/25

Upstart Holdings: Hold Rating Amid Declining Financial Metrics and Elevated Macro Index Impact

Giuliano Bologna

Compass Point

$20

Sell

-57.97%

Downside

Reiterated

10/28/25

Andrew Boone

Citizens JMP

―

Hold

―

Reiterated

10/13/25

Upstart Holdings (UPST) Receives a Hold from Citizens JMPCitizens analyst Andrew Boone reiterated a Market Perform rating on Upstart Holdings Inc (NASDAQ: UPST).

John Hecht

Jefferies

$73→$56

Hold

17.67%

Upside

Reiterated

10/02/25

Kyle Joseph

Stephens

$55

Hold

15.57%

Upside

Initiated

06/11/25

Upstart initiated with an Equal Weight at StephensUpstart initiated with an Equal Weight at Stephens

Ken Shih

DBS

$52

Hold

9.27%

Upside

Reiterated

05/21/25

Upstart Holdings: Balancing Impressive Growth and Macroeconomic Risks with AI-Driven Strategies

Stocks with the Highest Top Analyst Consensus in the Financial Sector

xxx

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

Best Analysts Covering Upstart Holdings

1 Month

xxx

Success Rate

6/9 ratings generated profit

Average Return

+0.20%

reiterated a xxx

rating 2 months ago

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 1 Month would result in 66.67% of your transactions generating a profit, with an average return of +0.20% per trade.

3 Months

xxx

Success Rate

13/21 ratings generated profit

Average Return

+12.75%

reiterated a xxx

rating last month

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 3 Months would result in 61.90% of your transactions generating a profit, with an average return of +12.75% per trade.

1 Year

Dan DolevMizuho Securities

Success Rate

10/21 ratings generated profit

Average Return

+4.50%

reiterated a buy rating last month

Copying Dan Dolev's trades and holding each position for 1 Year would result in 47.62% of your transactions generating a profit, with an average return of +4.50% per trade.

2 Years

xxx

Success Rate

9/21 ratings generated profit

Average Return

-7.77%

reiterated a xxx

rating last month

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 2 Years would result in 42.86% of your transactions generating a profit, with an average return of -7.77% 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

Jul 25

Aug 25

Sep 25

Oct 25

Nov 25

Strong Buy

Buy

Hold

Sell

Strong Sell

total

In the current month, UPST has received 8 Buy Ratings, 17 Hold Ratings, and 5 Sell Ratings. UPST average Analyst price target in the past 3 months is 56.45.

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 $0.47 with a range of $0.41 to $0.54. The previous quarter’s EPS was $0.52. UPST beat its EPS estimate ― of the time in the past 12 months, while its overall industry beat the EPS estimate 65.60% 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 $288.74M with a range of $287.00M to $292.42M. The previous quarter’s sales results were $277.11M. UPST beat its sales estimates ― of the time in past 12 months, while its overall industry beat sales estimates 79.60% 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 56.45.

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

Upstart Holdings has 18.62% 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 6 buy ratings, 5 hold ratings and 2 sell ratings.

What is Upstart Holdings’s price target?

The average price target for Upstart Holdings is 56.45. This is based on 13 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $80.00 ,the lowest forecast is $20.00. The average price target represents 18.62% Increase from the current price of $47.59.

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