Upstart Holdings, Inc. (UPST)

Upstart Holdings Stock Forecast

Stock Price Forecast

The 12 analysts with 12-month price forecasts for Upstart Holdings stock have an average target of 72.83, with a low estimate of 15 and a high estimate of 108. The average target predicts an increase of 80.05% from the current stock price of 40.45.

Analyst Consensus: Buy

Target	Low	Average	Median	High
Price	$15	$72.83	$79	$108
Change	-62.92%	+80.05%	+95.30%	+167.00%

Analyst Ratings

The average analyst rating for Upstart Holdings stock from 14 stock analysts is "Buy". This means that analysts believe this stock is likely to outperform the market over the next twelve months.

Recommendation Trends

Rating	Nov '24	Dec '24	Jan '25	Feb '25	Mar '25	Apr '25
Strong Buy	1	3	3	4	4	4
Buy	2	2	2	2	2	2
Hold	7	4	4	6	6	6
Sell	1	2	2	1	1	1
Strong Sell	0	0	0	1	1	1
Total	11	11	11	14	14	14

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Ramsey El-Assal Barclays	Barclays	Hold Maintains $93 → $42	Hold	Maintains	$93 → $42	+3.83%	Apr 14, 2025
Ramsey El-Assal Barclays	Barclays	Hold Maintains $80 → $93	Hold	Maintains	$80 → $93	+129.91%	Feb 18, 2025
James Faucette Morgan Stanley	Morgan Stanley	Sell → Hold Upgrades $12 → $70	Sell → Hold	Upgrades	$12 → $70	+73.05%	Feb 14, 2025
Peter Christiansen Citigroup	Citigroup	Strong Buy Maintains $87 → $108	Strong Buy	Maintains	$87 → $108	+167.00%	Feb 13, 2025
Michael Ng Goldman Sachs	Goldman Sachs	Strong Sell Maintains $14 → $15	Strong Sell	Maintains	$14 → $15	-62.92%	Feb 12, 2025

More Analyst Ratings

Financial Forecast

Revenue This Year

1.02B

Increased by 50.82%

from 676.96M

Revenue Next Year

1.25B

Increased by 22.62%

from 1.02B

EPS This Year

1.42

from -1.44

EPS Next Year

2.33

Increased by 64.19%

from 1.42

Fiscal Year	FY 2020	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	FY 2026	FY 2027
Period Ending	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024	Dec 31, 2025	Dec 31, 2026	Dec 31, 2027
Revenue	241.44M	851.86M	853.29M	548.46M	676.96M	1.02B	1.25B	1.49B
Revenue Growth	26.63%	252.82%	0.17%	-35.72%	23.43%	50.82%	22.62%	19.01%
EPS	-	1.43	-1.31	-2.87	-1.44	1.42	2.33	3.17
EPS Growth	-	-	-	-	-	-	64.19%	36.01%
Forward PE	-	-	-	-	-	28.53	17.38	12.78
No. Analysts	-	-	-	-	-	17	17	9

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

Revenue Forecast

Revenue	2025	2026	2027	2028
High	1.1B	1.5B	1.8B
Avg	1.0B	1.3B	1.5B
Low	902.4M	1.1B	1.2B

Revenue Growth

Revenue Growth	2025	2026	2027	2028
High	65.1%	46.9%	45.7%
Avg	50.8%	22.6%	19.0%
Low	33.3%	5.5%	-6.3%

EPS Forecast

EPS	2025	2026	2027	2028
High	1.58	3.69	3.79
Avg	1.42	2.33	3.17
Low	1.12	1.63	2.30

EPS Growth

EPS Growth	2025	2026	2027	2028
High	-	159.9%	62.8%
Avg	-	64.2%	36.0%
Low	-	14.7%	-1.1%

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.