Upstart Holdings Stock Forecast

Stock Price Forecast

According to 16 analysts polled by S&P Global, Upstart Holdings stock has a consensus rating of "Buy" and an average price target of $38.38. The average 1-year stock price forecast is 65.08% higher than the current stock price, while the lowest is $18 (-22.58%) and the highest is $61 (+162.37%).

Price Target: $38.38 (+65.08%)

Analyst Consensus: Buy

Price Target

Chart

Target	Low	Average	Median	High
Price	$18	$38.38	$38.5	$61
Change	-22.58%	+65.08%	+65.59%	+162.37%

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

Chart

Rating	May '26	Jun '26	Jul '26	Aug '26	Sep '26	Oct '26
Strong Buy	6	6	6	6	6	6
Buy	2	2	2	2	2	2
Hold	6	6	6	6	7	7
Sell	1	1	1	1	1	1
Strong Sell	0	0	0	0	0	0
Total	15	15	15	15	16	16

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
David Scharf Citizens JMP	Citizens JMP	Buy Maintains $20 → $18	Buy	Maintains	$20 → $18	-22.58%	Oct 15, 2026
Will Nance Goldman Sachs	Goldman Sachs	Hold Reiterates $39 → $28	Hold	Reiterates	$39 → $28	+20.43%	Oct 13, 2026
Kyle Peterson Needham	Needham	Buy Reiterates $42	Buy	Reiterates	$42	+80.65%	Oct 6, 2026
Vincent Caintic BTIG	BTIG	Buy Reiterates $43	Buy	Reiterates	$43	+84.95%	Sep 22, 2026
Reginald Smith Loop Capital Markets	Loop Capital Markets	Hold Initiates $34	Hold	Initiates	$34	+46.24%	Sep 8, 2026

More Analyst Ratings

Financial Forecast

Revenue This Year

1.42B

from 1.08B

31.88%

from 1.08B

Revenue Next Year

1.86B

from 1.42B

31.08%

from 1.42B

EPS This Year

2.29

from 1.89

21.40%

from 1.89

EPS Next Year

3.57

from 2.29

55.98%

from 2.29

Fiscal Year	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	FY 2026
Period Ending	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024	Dec 31, 2025	Dec 31, 2026
Revenue	851.86M	853.29M	548.46M	676.96M	1.08B	1.42B
Revenue Growth	252.82%	0.17%	-35.72%	23.43%	58.88%	31.88%
Operating Income	145.39M	-103.02M	-221.63M	-132.42M	74.30M	68.38M
Net Income	135.44M	-108.67M	-240.13M	-128.58M	53.60M	69.79M
EPS	-	-	-	-	1.89	2.29
EPS Growth	-	-	-	-	-	21.40%
Forward PE	72.48	18.38	267.92	292.91	19.68	10.15
Free Cash Flow	-	-	-	-	-148.07M	-59.50M
No. Analysts	-	-	-	-	-	15

EPS and Forward PE are based on non-GAAP adjusted numbers.

Revenue Forecast

Chart

Revenue	2026	2027	2028
High	1.4B
Avg	1.4B
Low	1.4B

Revenue Growth

Chart

Revenue Growth	2026	2027	2028
High	34.1%
Avg	31.9%
Low	30.2%

EPS Forecast

Chart

EPS	2026	2027	2028
High	2.50
Avg	2.29
Low	2.04

EPS Growth

Chart

EPS Growth	2026	2027	2028
High	32.4%
Avg	21.4%
Low	8.1%