Upstart Holdings, Inc. (UPST)

Upstart Holdings Stock Forecast

Stock Price Forecast

The 12 analysts that cover Upstart Holdings stock have a consensus rating of "Buy" and an average price target of $59.96, which forecasts a 18.47% increase in the stock price over the next year. The lowest target is $16.5 and the highest is $105.

Price Target: $59.96 (+18.47%)

Analyst Consensus: Buy

Target	Low	Average	Median	High
Price	$16.5	$59.96	$59	$105
Change	-67.40%	+18.47%	+16.58%	+107.47%

Analyst Ratings

The average analyst rating for Upstart Holdings stock is "Buy". This means that analysts believe this stock is likely to outperform the market over the next twelve months.

Recommendation Trends

Rating	Aug '25	Sep '25	Oct '25	Nov '25	Dec '25	Jan '26
Strong Buy	4	4	4	4	4	4
Buy	4	4	3	3	3	2
Hold	5	5	5	6	6	5
Sell	0	0	0	0	0	0
Strong Sell	2	2	2	2	2	2
Total	15	15	14	15	15	13

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Arvind Ramnani Truist Securities	Truist Securities	Strong Buy Initiates $59	Strong Buy	Initiates	$59	+16.58%	Jan 6, 2026
Peter Christiansen Citigroup	Citigroup	Strong Buy Maintains $100 → $80	Strong Buy	Maintains	$100 → $80	+58.07%	Nov 5, 2025
Reginald Smith JP Morgan	JP Morgan	Buy Maintains $88 → $65	Buy	Maintains	$88 → $65	+28.43%	Nov 5, 2025
Patrick Moley Piper Sandler	Piper Sandler	Buy Maintains $80 → $56	Buy	Maintains	$80 → $56	+10.65%	Nov 5, 2025
Kyle Joseph Stephens & Co.	Stephens & Co.	Hold Maintains $55 → $40	Hold	Maintains	$55 → $40	-20.96%	Nov 5, 2025

More Analyst Ratings

Financial Forecast

Revenue This Year

1.06B

Increased by 56.14%

from 676.96M

Revenue Next Year

1.30B

Increased by 22.99%

from 1.06B

EPS This Year

1.63

from -1.44

EPS Next Year

2.47

Increased by 51.36%

from 1.63

Fiscal Year	FY 2020	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	FY 2026
Period Ending	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024	Dec 31, 2025	Dec 31, 2026
Revenue	241.44M	851.86M	853.29M	548.46M	676.96M	1.06B	1.30B
Revenue Growth	26.63%	252.82%	0.17%	-35.72%	23.43%	56.14%	22.99%
EPS	-	1.43	-1.31	-2.87	-1.44	1.63	2.47
EPS Growth	-	-	-	-	-	-	51.36%
Forward PE	-	-	-	-	-	31.01	20.49
No. Analysts	-	-	-	-	-	17	17

Historical EPS numbers are GAAP, while forecasted numbers may be non-GAAP.

Revenue Forecast

Revenue	2025	2026	2027
High	1.1B	1.5B
Avg	1.1B	1.3B
Low	1.0B	1.1B

Revenue Growth

Revenue Growth	2025	2026	2027
High	61.3%	39.4%
Avg	56.1%	23.0%
Low	49.6%	1.7%

EPS Forecast

EPS	2025	2026	2027
High	1.83	3.29
Avg	1.63	2.47
Low	1.30	1.97

EPS Growth

EPS Growth	2025	2026	2027
High	-	101.3%
Avg	-	51.4%
Low	-	20.7%

Sources: Price targets and analyst ratings provided by Benzinga. Revenue and EPS forecast data provided by Finnhub. The data is sourced from Wall Street analysts. Data disclaimer.