Upstart Holdings, Inc. (UPST)
NASDAQ: UPST · Real-Time Price · USD
31.53
-0.44 (-1.38%)
At close: Feb 18, 2026, 4:00 PM EST
31.45
-0.08 (-0.25%)
Pre-market: Feb 19, 2026, 6:02 AM EST
Upstart Holdings Stock Forecast
Stock Price Forecast
The 14 analysts that cover Upstart Holdings stock have a consensus rating of "Hold" and an average price target of $46.82, which forecasts a 48.49% increase in the stock price over the next year. The lowest target is $16.5 and the highest is $80.
Price Target: $46.82 (+48.49%)
Analyst Consensus: Hold
Analyst Ratings
The average analyst rating for Upstart Holdings stock is "Hold". This means that analysts believe this stock is likely to perform similarly to the overall market.
Recommendation Trends
| Rating | Sep '25 | Oct '25 | Nov '25 | Dec '25 | Jan '26 | Feb '26 |
|---|---|---|---|---|---|---|
| Strong Buy | 4 | 4 | 4 | 4 | 4 | 3 |
| Buy | 4 | 3 | 3 | 3 | 2 | 2 |
| Hold | 5 | 5 | 6 | 6 | 5 | 7 |
| Sell | 0 | 0 | 0 | 0 | 0 | 2 |
| Strong Sell | 2 | 2 | 2 | 2 | 2 | 1 |
| Total | 15 | 14 | 15 | 15 | 13 | 15 |
Latest Forecasts
| Analyst | Firm | Rating | Rating | Action | Price Target | Upside | Date |
|---|---|---|---|---|---|---|---|
| Citizens | Citizens | Sell Reiterates $20 | Sell | Reiterates | $20 | -36.57% | Feb 18, 2026 |
| Compass Point | Compass Point | Strong Sell → Hold Upgrades $20 → $30 | Strong Sell → Hold | Upgrades | $20 → $30 | -4.85% | Feb 17, 2026 |
| Goldman Sachs | Goldman Sachs | Strong Sell → Hold Upgrades $44 → $35 | Strong Sell → Hold | Upgrades | $44 → $35 | +11.01% | Feb 13, 2026 |
| Citizens | Citizens | Hold → Sell Downgrades $20 | Hold → Sell | Downgrades | $20 | -36.57% | Feb 13, 2026 |
| Truist Securities | Truist Securities | Strong Buy Maintains $59 → $49 | Strong Buy | Maintains | $59 → $49 | +55.41% | Feb 11, 2026 |
Financial Forecast
Revenue This Year
1.44B
from 1.08B
Increased by 34.07%
Revenue Next Year
1.90B
from 1.44B
Increased by 31.97%
EPS This Year
2.44
from 0.45
Increased by 438.75%
EPS Next Year
3.06
from 2.44
Increased by 25.47%
Historical EPS numbers are GAAP, while forecasted numbers may be non-GAAP.
Revenue Forecast
| Revenue | 2026 | 2027 | 2028 |
|---|---|---|---|
| High | 1.6B | 2.2B | |
| Avg | 1.4B | 1.9B | |
| Low | 1.4B | 1.7B |
Revenue Growth
| Revenue Growth | 2026 | 2027 | 2028 |
|---|---|---|---|
| High | 49.4% | 56.0% | |
| Avg | 34.1% | 32.0% | |
| Low | 26.5% | 15.9% |
EPS Forecast
| EPS | 2026 | 2027 |
|---|---|---|
| High | 3.29 | 4.34 |
| Avg | 2.44 | 3.06 |
| Low | 1.97 | 2.26 |
EPS Growth
| EPS Growth | 2026 | 2027 |
|---|---|---|
| High | 625.1% | 77.6% |
| Avg | 438.7% | 25.5% |
| Low | 334.6% | -7.3% |
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.