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Upstart (UPST) Stock Forecast, Price Target & Predictions

OverviewRevenueOwnershipFinancialsChartTranscripts

UPST Stock Forecast

Upstart (UPST) stock forecast, based on 20 Wall Street analysts, predicts a 12-month average price target of $49.25, with a high of $56.00 and a low of $40.00. This represents a 0.20% increase from the last price of $49.15.

$20 $32 $44 $56 $68 $80 High: $56 Avg: $49.25 Low: $40 Last Closed Price: $49.15

UPST Stock Rating

Upstart stock's rating consensus is Hold, based on 20 Wall Street analysts. The breakdown includes 0 Strong Buy (0.00%), 8 Buy (40.00%), 9 Hold (45.00%), 3 Sell (15.00%), and 0 Strong Sell (0.00%).

Hold
Total 20 0 3 9 8 Strong Sell Sell Hold Buy Strong Buy

UPST Price Target Upside V Benchmarks

TypeNameUpside
StockUpstart0.20%
SectorFinancial Services Stocks 2.65%
IndustryCredit Services Stocks8.65%
IdeaArtificial Intelligence Stocks List25.69%
IdeaPeer to Peer Lending Stocks List3.59%

Price Target Trends

1M3M12M
# Anlaysts-58
Avg Price Target-$55.40$59.13
Last Closing Price$49.15$49.15$49.15
Upside/Downside-12.72%20.31%
Ratings Trends
DateStrong BuyBuyHoldSellStrong SellTotal
Dec, 253462-15
Nov, 253462-15
Oct, 253462-15
Sep, 253462-15
Aug, 252482-16
Analyst Price Target Forecasts
DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Nov 06, 2025Will NanceGoldman Sachs$40.00$40.19-0.47%-18.62%
Nov 05, 2025Piper Sandler$56.00$39.7240.99%13.94%
Nov 05, 2025James FaucetteMorgan Stanley$45.00$39.7613.18%-8.44%
Oct 20, 2025Piper Sandler$80.00$48.7963.97%62.77%
Aug 06, 2025James FaucetteMorgan Stanley$70.00$67.144.26%42.42%
Jul 14, 2025Will NanceGoldman Sachs$71.00$75.62-6.11%44.46%
Jun 11, 2025Kyle JosephStephens$55.00$57.88-4.98%11.90%
Nov 08, 2024Arvind RamnaniPiper Sandler$85.00$55.4753.24%72.94%
Oct 14, 2024David ChiaveriniWedbush$45.00$54.07-16.77%-8.44%
Sep 20, 2024Dan DolevMizuho Securities$48.00$40.0020.00%-2.34%
Analyst Rating Forecasts
DateCompanyPrevious RatingNew RatingRating Change
Nov 06, 2025Goldman SachsSellSellhold
Nov 05, 2025NeedhamBuyBuyhold
Aug 06, 2025Piper SandlerOverweightOverweighthold
Nov 11, 2024BTIGSellNeutralupgrade
Nov 08, 2024CitigroupBuyBuyupgrade
Nov 08, 2024Piper SandlerUnderperformOverweightupgrade
Oct 18, 2024CitigroupBuyBuyhold
Oct 14, 2024WedbushEqual-WeightEqual-Weighthold
Oct 14, 2024WedbushEqual-WeightNeutralupgrade
Sep 20, 2024WedbushEqual-WeightEqual-Weighthold

Financial Forecast

EPS Forecast

$-350 $-210 $-70 $70 $210 $350 Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 20Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$0.08$1.73$-1.31$-2.87$-1.44---
Avg Forecast$0.15$1.95$-0.03$-0.61$-0.47$0.56$1.28$2.36
High Forecast$0.18$2.31$-0.03$-0.55$-0.44$0.96$340.56$2.83
Low Forecast$0.14$1.78$-0.03$-0.65$-0.48$0.21$-310.02$1.88
Surprise %-46.67%-11.28%4266.67%370.49%206.38%---

Revenue Forecast

$0 $300M $600M $900M $1B $2B Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 20Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$241.44M$851.86M$853.29M$513.56M$636.53M---
Avg Forecast$219.54M$806.75M$830.46M$508.86M$599.11M$821.64M$983.42M$1.45B
High Forecast$250.59M$920.85M$929.51M$517.71M$601.76M$906.30M$983.42M$1.45B
Low Forecast$204.42M$751.19M$735.18M$506.64M$598.27M$713.72M$983.42M$1.45B
Surprise %9.98%5.59%2.75%0.92%6.24%---

Net Income Forecast

$-30B $-18B $-6B $6B $18B $30B Dec 20 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 26 Dec 27
Dec 20Dec 21Dec 22Dec 23Dec 24Dec 25Dec 26Dec 27
Reported$5.98M$135.44M$-108.67M$-240.13M$-128.58M---
Avg Forecast$12.64M$152.70M$166.68M$-240.13M$-38.49M$48.95M$666.37K$197.29M
High Forecast$14.96M$183.24M$201.00M$-190.76M$-36.92M$80.30M$28.53B$236.81M
Low Forecast$11.51M$122.16M$132.36M$-289.51M$-40.05M$17.61M$-25.97B$157.50M
Surprise %-52.66%-11.30%-165.20%-234.07%---

UPST Forecast FAQ

Is Upstart stock a buy?

Upstart stock has a consensus rating of Hold, based on 20 Wall Street analysts. The rating breakdown includes 0 Strong Buy, 8 Buy, 9 Hold, 3 Sell, and 0 Strong Sell, reflecting a consensus that Upstart is a neutral investment for most analysts.

What is Upstart's price target?

Upstart's price target, set by 20 Wall Street analysts, averages $49.25 over the next 12 months. The price target range spans from $40 at the low end to $56 at the high end, suggesting a potential 0.20% change from the previous closing price of $49.15.

How does Upstart stock forecast compare to its benchmarks?

Upstart's stock forecast shows a 0.20% upside, underperforming the average forecast for the financial services stocks sector (2.65%) and underperforming the credit services stocks industry (8.65%), trailing the Artificial Intelligence Stocks List (25.69%) and Peer to Peer Lending Stocks List (3.59%) investment ideas.

What is the breakdown of analyst ratings for Upstart over the past three months?

  • December 2025: 20.00% Strong Buy, 26.67% Buy, 40.00% Hold, 13.33% Sell, 0% Strong Sell.
  • November 2025: 20.00% Strong Buy, 26.67% Buy, 40.00% Hold, 13.33% Sell, 0% Strong Sell.
  • October 2025: 20.00% Strong Buy, 26.67% Buy, 40.00% Hold, 13.33% Sell, 0% Strong Sell.

What is Upstart’s EPS forecast?

Upstart's average annual EPS forecast for its fiscal year ending in December 2025 is $0.56, marking a -138.89% decrease from the reported $-1.44 in 2024. Estimates for the following years are $1.28 in 2026, and $2.36 in 2027.

What is Upstart’s revenue forecast?

Upstart's average annual revenue forecast for its fiscal year ending in December 2025 is $821.64M, reflecting a 29.08% increase from the reported $636.53M in 2024. The forecast for 2026 is $983.42M, and $1.45B for 2027.

What is Upstart’s net income forecast?

Upstart's net income forecast for the fiscal year ending in December 2025 stands at $48.95M, representing a -138.07% decrease from the reported $-129M in 2024. Projections indicate $666.37K in 2026, and $197.29M in 2027.