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

Hold

4 Buy

4 Hold

2 Sell

Based on 10 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

$69.71

▲(22.45% Upside)

Based on 10 Wall Street analysts offering 12 month price targets for Upstart Holdings in the last 3 months. The average price target is $69.71 with a high forecast of $90.00 and a low forecast of $20.00. The average price target represents a 22.45% change from the last price of $56.93.

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<span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Strong Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 4,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 7, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 9</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":37.78,"date":1727740800000,"info":" <span style=\"color:#912767\" class=\"mb3 mt2 fonth8_semibold\"> Strong Sell</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 4,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 8, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 9</span>\n      ","marker":{"lineColor":"#912767","enabled":true,"symbol":"circle"}},{"y":48.48,"date":1730419200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Moderate Buy</span>\n         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style=\"color:#199ca5\">Buy 5,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 20, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":64.74,"date":1738368000000,"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 7,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 16, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 4</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":66.67,"date":1740787200000,"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  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Highest Price Target$90.00

Average Price Target$69.71

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

Soren Revolva

TR | OpenAI - 4o

$67→$63

Hold

10.66%

Upside

Reiterated

09/23/25

AI Generated ArticleAI Generated Article

Kyle Peterson

Needham

―

Buy

―

Reiterated

09/10/25

We remain Buy-rated on AX, SOFI, and UPST, while maintaining a Hold rating on AFRM, largely due to valuation at this time.

Giuliano Bologna

Compass Point

$20

Sell

-64.87%

Downside

Reiterated

08/28/25

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

Unknown Analyst

Jefferies

Not Ranked

Jefferies

―

Hold

―

Reiterated

08/26/25

Jefferies Sticks to Its Hold Rating for Upstart Holdings (UPST)

Reginald Smith

J.P. Morgan

$93→$88

Buy

54.58%

Upside

Upgraded

08/20/25

Positive Report for Upstart Holdings (UPST) from J.P. Morgan

Mihir Bhatia

Bank of America Securities

―

Hold

―

Reiterated

08/18/25

Bank of America Securities Sticks to Their Hold Rating for Upstart Holdings (UPST)

Dan Dolev

Mizuho Securities

$85→$86

Buy

51.06%

Upside

Reiterated

08/12/25

Mizuho Securities Sticks to Their Buy Rating for Upstart Holdings (UPST)

Patrick Moley

Piper Sandler

$75→$90

Buy

58.09%

Upside

Reiterated

08/06/25

Upstart price target raised to $90 from $75 at Piper SandlerUpstart price target raised to $90 from $75 at Piper Sandler

James Faucette

Morgan Stanley

$50→$70

Hold

22.96%

Upside

Reiterated

08/06/25

Upstart Holdings (UPST) Receives a Hold from Morgan Stanley

Will Nance

Goldman Sachs

$71

Sell

24.71%

Upside

Initiated

07/14/25

Upstart assumed with a Sell at Goldman SachsUpstart assumed with a Sell at Goldman Sachs

Kyle Joseph

Stephens

$55

Hold

-3.39%

Downside

Initiated

06/11/25

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

Ken Shih

DBS

$52

Hold

-8.66%

Downside

Reiterated

05/21/25

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

Ramsey El Assal

Barclays

$47

Hold

-17.44%

Downside

Reiterated

05/20/25

Barclays Sticks to Their Hold Rating for Upstart Holdings (UPST)

Vincent Caintic

BTIG

―

Hold

―

Reiterated

05/15/25

Upstart Holdings: Balancing Growth Potential with Fee Revenue Uncertainty

Peter Christiansen

Citi

$108→$83

Buy

45.79%

Upside

Reiterated

05/07/25

Upstart Holdings Inc (UPST) PT Lowered to $83 at CitiCiti analyst Peter Christiansen lowered the price target on Upstart Holdings Inc (NASDAQ: UPST) to $83.00 (from $108.00) while maintaining a Buy rating.

Ranks

Any

Analyst Rating

Any

Upside/ Downside

Any

Action

Any

Soren Revolva

TR | OpenAI - 4o

$67→$63

Hold

10.66%

Upside

Reiterated

09/23/25

AI Generated ArticleAI Generated Article

Kyle Peterson

Needham

―

Buy

―

Reiterated

09/10/25

We remain Buy-rated on AX, SOFI, and UPST, while maintaining a Hold rating on AFRM, largely due to valuation at this time.

Giuliano Bologna

Compass Point

$20

Sell

-64.87%

Downside

Reiterated

08/28/25

Unknown Analyst

Jefferies

Not Ranked

Jefferies

―

Hold

―

Reiterated

08/26/25

Jefferies Sticks to Its Hold Rating for Upstart Holdings (UPST)

Reginald Smith

J.P. Morgan

$93→$88

Buy

54.58%

Upside

Upgraded

08/20/25

Positive Report for Upstart Holdings (UPST) from J.P. Morgan

Mihir Bhatia

Bank of America Securities

―

Hold

―

Reiterated

08/18/25

Bank of America Securities Sticks to Their Hold Rating for Upstart Holdings (UPST)

Dan Dolev

Mizuho Securities

$85→$86

Buy

51.06%

Upside

Reiterated

08/12/25

Mizuho Securities Sticks to Their Buy Rating for Upstart Holdings (UPST)

Patrick Moley

Piper Sandler

$75→$90

Buy

58.09%

Upside

Reiterated

08/06/25

Upstart price target raised to $90 from $75 at Piper SandlerUpstart price target raised to $90 from $75 at Piper Sandler

James Faucette

Morgan Stanley

$50→$70

Hold

22.96%

Upside

Reiterated

08/06/25

Upstart Holdings (UPST) Receives a Hold from Morgan Stanley

Will Nance

Goldman Sachs

$71

Sell

24.71%

Upside

Initiated

07/14/25

Upstart assumed with a Sell at Goldman SachsUpstart assumed with a Sell at Goldman Sachs

Kyle Joseph

Stephens

$55

Hold

-3.39%

Downside

Initiated

06/11/25

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

Ken Shih

DBS

$52

Hold

-8.66%

Downside

Reiterated

05/21/25

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

Ramsey El Assal

Barclays

$47

Hold

-17.44%

Downside

Reiterated

05/20/25

Barclays Sticks to Their Hold Rating for Upstart Holdings (UPST)

Vincent Caintic

BTIG

―

Hold

―

Reiterated

05/15/25

Upstart Holdings: Balancing Growth Potential with Fee Revenue Uncertainty

Peter Christiansen

Citi

$108→$83

Buy

45.79%

Upside

Reiterated

05/07/25

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

5/8 ratings generated profit

Average Return

-1.26%

upgraded a xxx

rating last month

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 1 Month would result in 62.50% of your transactions generating a profit, with an average return of -1.26% per trade.

3 Months

xxx

Success Rate

13/20 ratings generated profit

Average Return

+14.55%

reiterated a xxx

rating 2 months ago

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 3 Months would result in 65.00% of your transactions generating a profit, with an average return of +14.55% per trade.

1 Year

Dan DolevMizuho Securities

Success Rate

11/20 ratings generated profit

Average Return

+12.40%

reiterated a buy rating 2 months ago

Copying Dan Dolev's trades and holding each position for 1 Year would result in 55.00% of your transactions generating a profit, with an average return of +12.40% per trade.

2 Years

xxx

Success Rate

10/20 ratings generated profit

Average Return

+8.49%

reiterated a xxx

rating 2 months ago

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 2 Years would result in 50.00% of your transactions generating a profit, with an average return of +8.49% 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 25

Jun 25

Jul 25

Aug 25

Sep 25

Strong Buy

Buy

Hold

Sell

Strong Sell

total

In the current month, UPST has received 5 Buy Ratings, 18 Hold Ratings, and 5 Sell Ratings. UPST average Analyst price target in the past 3 months is 69.71.

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 $0.42 with a range of $0.37 to $0.46. The previous quarter’s EPS was $0.36. UPST beat its EPS estimate 100.00% of the time in the past 12 months, while its overall industry beat the EPS estimate 49.48% of the time in the same period. In the last calendar year UPST has Outperformed its overall industry.

UPST Sales Forecast

Next quarter’s sales forecast for UPST is $280.76M with a range of $279.75M to $285.57M. The previous quarter’s sales results were $257.29M. UPST beat its sales estimates 100.00% of the time in past 12 months, while its overall industry beat sales estimates 76.47% of the time in the same period. In the last calendar year UPST has Outperformed 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 69.71.

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

Upstart Holdings has 22.45% 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 Hold which is based on 4 buy ratings, 4 hold ratings and 2 sell ratings.

What is Upstart Holdings’s price target?

The average price target for Upstart Holdings is 69.71. This is based on 10 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $90.00 ,the lowest forecast is $20.00. The average price target represents 22.45% Increase from the current price of $56.93.

What do analysts say about Upstart Holdings?

Upstart Holdings’s analyst rating consensus is a Hold. This is based on the ratings of 10 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.

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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

Become an Expert with TipRanks Premium

Detailed List of Analyst Forecasts