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

7 Buy

3 Hold

2 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

$56.73

▲(18.41% 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 $56.73 with a high forecast of $80.00 and a low forecast of $20.00. The average price target represents a 18.41% change from the last price of $47.91.

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Highest Price Target$80.00

Average Price Target$56.73

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

Patrick Moley

Piper Sandler

$56

Buy

16.89%

Upside

Reiterated

01/14/26

Upstart Holdings (UPST) Receives a Rating Update from a Top Analyst

Vincent Caintic

BTIG

Hold

―

Reiterated

01/06/26

BTIG Reaffirms Their Hold Rating on Upstart Holdings (UPST)

Unknown Analyst

Truist Financial

Not Ranked

Truist Financial

$59

Buy

23.15%

Upside

Initiated

01/06/26

Upstart Holdings (UPST) Receives a New Rating from Truist Financial

Giuliano Bologna

Compass Point

$20

Sell

-58.26%

Downside

Reiterated

01/02/26

Analysts Conflicted on These Financial Names: Upstart Holdings (NASDAQ: UPST) and Cleanspark (NASDAQ: CLSK)

Dan Dolev

Mizuho Securities

$86→$66

Buy

37.76%

Upside

Reiterated

11/10/25

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

Mihir Bhatia

Bank of America Securities

$81→$71

Hold

48.19%

Upside

Reiterated

11/05/25

Cautious Outlook on Upstart Holdings Amid Revenue and Loan Origination Challenges

James Faucette

Morgan Stanley

$70→$45

Hold

-6.07%

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

Reginald Smith

J.P. Morgan

$88→$65

Buy

35.67%

Upside

Reiterated

11/05/25

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

Peter Christiansen

Citi

$100→$80

Buy

66.98%

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

16.89%

Upside

Reiterated

11/05/25

Needham Keeps Their Buy Rating on Upstart Holdings (UPST)

Will Nance

Goldman Sachs

$54→$40

Sell

-16.51%

Downside

Reiterated

11/05/25

Goldman Sachs Remains a Sell on Upstart Holdings (UPST)

Hal Goetsch

B. Riley Securities

$105→$66

Buy

37.76%

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

Andrew Boone

Citizens JMP

Hold

―

Reiterated

10/13/25

Upstart Holdings (UPST) Receives a Hold from Citizens JMP

John Hecht

Jefferies

$73→$56

Hold

16.89%

Upside

Reiterated

10/02/25

Jefferies Keeps Their Hold Rating on Upstart Holdings (UPST)

Kyle Joseph

Stephens

$55

Hold

14.80%

Upside

Initiated

06/11/25

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

Analyst Type

Any

Human Analysts

Ranks

Any

Analyst Rating

Any

Upside/ Downside

Any

Action

Any

Patrick Moley

Piper Sandler

$56

Buy

16.89%

Upside

Reiterated

01/14/26

Upstart Holdings (UPST) Receives a Rating Update from a Top Analyst

Vincent Caintic

BTIG

Hold

―

Reiterated

01/06/26

BTIG Reaffirms Their Hold Rating on Upstart Holdings (UPST)

Unknown Analyst

Truist Financial

Not Ranked

Truist Financial

$59

Buy

23.15%

Upside

Initiated

01/06/26

Upstart Holdings (UPST) Receives a New Rating from Truist Financial

Giuliano Bologna

Compass Point

$20

Sell

-58.26%

Downside

Reiterated

01/02/26

Analysts Conflicted on These Financial Names: Upstart Holdings (NASDAQ: UPST) and Cleanspark (NASDAQ: CLSK)

Dan Dolev

Mizuho Securities

$86→$66

Buy

37.76%

Upside

Reiterated

11/10/25

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

Mihir Bhatia

Bank of America Securities

$81→$71

Hold

48.19%

Upside

Reiterated

11/05/25

Cautious Outlook on Upstart Holdings Amid Revenue and Loan Origination Challenges

James Faucette

Morgan Stanley

$70→$45

Hold

-6.07%

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

Reginald Smith

J.P. Morgan

$88→$65

Buy

35.67%

Upside

Reiterated

11/05/25

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

Peter Christiansen

Citi

$100→$80

Buy

66.98%

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

16.89%

Upside

Reiterated

11/05/25

Needham Keeps Their Buy Rating on Upstart Holdings (UPST)

Will Nance

Goldman Sachs

$54→$40

Sell

-16.51%

Downside

Reiterated

11/05/25

Goldman Sachs Remains a Sell on Upstart Holdings (UPST)

Hal Goetsch

B. Riley Securities

$105→$66

Buy

37.76%

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

Andrew Boone

Citizens JMP

Hold

―

Reiterated

10/13/25

Upstart Holdings (UPST) Receives a Hold from Citizens JMP

John Hecht

Jefferies

$73→$56

Hold

16.89%

Upside

Reiterated

10/02/25

Jefferies Keeps Their Hold Rating on Upstart Holdings (UPST)

Kyle Joseph

Stephens

$55

Hold

14.80%

Upside

Initiated

06/11/25

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

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

3 Months

xxx

Success Rate

7/11 ratings generated profit

Average Return

-6.75%

reiterated a xxx

rating 16 days ago

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 3 Months would result in 63.64% of your transactions generating a profit, with an average return of -6.75% per trade.

1 Year

Giuliano BolognaCompass Point

Success Rate

5/11 ratings generated profit

Average Return

-60.46%

reiterated a sell rating 16 days ago

Copying Giuliano Bologna's trades and holding each position for 1 Year would result in 45.45% of your transactions generating a profit, with an average return of -60.46% per trade.

2 Years

xxx

Success Rate

5/11 ratings generated profit

Average Return

-27.08%

reiterated a xxx

rating 16 days ago

Copying xxxxxxxxxxxxxxxxxx

trades and holding each position for 2 Years would result in 45.45% of your transactions generating a profit, with an average return of -27.08% 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

Aug 25

Sep 25

Oct 25

Nov 25

Jan 26

Strong Buy

Buy

Hold

Sell

Strong Sell

total

In the current month, UPST has received 9 Buy Ratings, 35 Hold Ratings, and 6 Sell Ratings. UPST average Analyst price target in the past 3 months is 56.73.

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 $0.46 with a range of $0.35 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 $288.47M with a range of $285.96M 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 56.73.

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

Upstart Holdings has 18.41% 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, 3 hold ratings and 2 sell ratings.

What is Upstart Holdings’s price target?

The average price target for Upstart Holdings is 56.73. This is based on 12 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 18.41% Increase from the current price of $47.91.

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.

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