Upstart Holdings Stock Forecast

Stock Price Forecast

According to 15 analysts polled by S&P Global, Upstart Holdings stock has a consensus rating of "Buy" and an average price target of $40.8. The average 1-year stock price forecast is 24.62% higher than the current stock price, while the lowest is $20 (-38.91%) and the highest is $80 (+144.35%).

Price Target: $40.8 (+24.62%)

Analyst Consensus: Buy

Target	Low	Average	Median	High
Price	$20	$40.8	$40	$80
Change	-38.91%	+24.62%	+22.17%	+144.35%

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	Feb '26	Mar '26	Apr '26	May '26	Jun '26	Jul '26
Strong Buy	5	6	6	6	6	6
Buy	3	2	2	2	2	2
Hold	7	6	6	6	6	6
Sell	1	1	1	1	1	1
Strong Sell	0	0	0	0	0	0
Total	16	15	15	15	15	15

Latest Forecasts

Analyst	Firm	Rating	Rating	Action	Price Target	Upside	Date
Will Nance Goldman Sachs	Goldman Sachs	Hold Maintains $32 → $39	Hold	Maintains	$32 → $39	+19.12%	Jul 9, 2026
Arvind Ramnani Truist Financial	Truist Financial	Buy Maintains n/a	Buy	Maintains	n/a	n/a	Jul 7, 2026
Kyle Peterson Needham	Needham	Buy Reiterates $37 → $40	Buy	Reiterates	$37 → $40	+22.17%	Jul 7, 2026
Vincent Caintic BTIG	BTIG	Buy Reiterates $43	Buy	Reiterates	$43	+31.34%	Jul 7, 2026
James Faucette Morgan Stanley	Morgan Stanley	Hold Reiterates $45 → $35	Hold	Reiterates	$45 → $35	+6.90%	Jun 11, 2026

More Analyst Ratings

Financial Forecast

Revenue This Year

1.42B

from 1.08B

31.96%

from 1.08B

Revenue Next Year

1.87B

from 1.42B

31.50%

from 1.42B

EPS This Year

2.39

from 1.89

26.61%

from 1.89

EPS Next Year

3.47

from 2.39

45.25%

from 2.39

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%	31.96%
Operating Income	145.39M	-103.02M	-221.63M	-132.42M	74.30M	105.30M
Net Income	135.44M	-108.67M	-240.13M	-128.58M	53.60M	108.31M
EPS	-	-	-	-	1.89	2.39
EPS Growth	-	-	-	-	-	26.61%
Forward PE	72.48	-	-	292.91	19.68	13.70
Free Cash Flow	-96.74M	-693.70M	-122.81M	316.28M	-275.45M	296.00M
No. Analysts	-	-	-	-	-	14

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

Revenue Forecast

Revenue	2026	2027	2028
High	1.5B
Avg	1.4B
Low	1.4B

Revenue Growth

Revenue Growth	2026	2027	2028
High	37.2%
Avg	32.0%
Low	28.0%

EPS Forecast

EPS	2026	2027	2028
High	2.53
Avg	2.39
Low	2.30

EPS Growth

EPS Growth	2026	2027	2028
High	34.0%
Avg	26.6%
Low	21.9%