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NASDAQ: UPST
Upstart Holdings Inc Stock Forecast, Predictions & Price Target

OverviewForecast
EarningsRevenueDividendOwnership

Analyst price target for UPST

Based on 10 analysts offering 12 month price targets for Upstart Holdings Inc

Min Forecast
$16.50-73.99%
Avg Forecast
$67.25+6.02%
Max Forecast
$108.00+70.27%

Should I buy or sell UPST stock?

Based on 10 analysts offering ratings for Upstart Holdings Inc.

Buy
Strong Buy
4 analysts 40%
Buy
1 analysts 10%
Hold
4 analysts 40%
Sell
0 analysts 0%
Strong Sell
1 analysts 10%
Although UPST's forecast from analysts indicates a "Buy", our proven Zen Rating quant model rates UPST as a "Hold". Stocks with a Zen Rating of Hold have had an average return of +7.53% per year. Learn More

Be the first to know when Wall Street analysts revise their UPST stock forecasts and price targets.

UPST stock forecasts by analyst

Analyst / FirmRatingActionPrice TargetUpside/DownsideDateAnalyst Color
lockedlocked$00.00+00.00%2025-06-24
lockedlocked$00.00+00.00%2025-05-19
lockedlocked$00.00+00.00%2025-05-12
lockedlocked$00.00+00.00%2025-05-08
lockedlocked$00.00+00.00%2025-05-07
Morgan Stanley
Top 12%
89
HoldMaintains$50.00-21.17%2025-05-07
Bank of America
Top 27%
74
HoldUpgrades$53.00-16.44%2025-04-29
Citigroup
Top 22%
79
Strong BuyMaintains$108.00+70.27%2025-02-13
B. Riley Securities
Top 2%
99
Strong BuyUpgrades$105.00+65.54%2025-02-12
JP Morgan
Top 24%
77
HoldUpgrades$79.00+24.55%2025-02-12

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Forecast return on equity

Is UPST forecast to generate an efficient return?

Company
15.89%
Industry
127.01%
Market
66.57%
UPST's Return on Equity is... subscribe to Premium to read more.
Forecast High Return on Equity Forecast

Forecast return on assets

Is UPST forecast to generate an efficient return on assets?

Company
4.68%
Industry
25.14%
UPST is forecast to generate... subscribe to Premium to read more.
Forecast Return on Assets vs Industry Forecast

UPST earnings per share forecast

What is UPST's earnings per share in the next 3 years based on estimates from 2 analysts?

Avg 1 year Forecast
$0.06
Avg 2 year Forecast
$0.75
Avg 3 year Forecast
$1.13

UPST revenue forecast

What is UPST's revenue in the next 3 years based on estimates from 5 analysts?

Avg 1 year Forecast
$1.0B+40.15%
Avg 2 year Forecast
$1.3B+79.56%
Avg 3 year Forecast
$1.5B+109.25%
UPST's revenue is forecast to... subscribe to Premium to read more.
Forecast High Revenue Growth Forecast

UPST revenue growth forecast

How is UPST forecast to perform vs Credit Services companies and vs the US market?

Company
33.03%
Industry
11.97%
Market
10%
UPST's revenues are forecast to... subscribe to Premium to read more.
Forecast Revenue Growth vs Industry Forecast
UPST's revenues are forecast to... subscribe to Premium to read more.
Forecast Revenue Growth vs Market Forecast

UPST vs Credit Service Stocks

TickerPricePrice TargetUp/downsideConsensus
UPST$63.43$67.25+6.02%Buy
QFIN$44.53$52.70+18.35%Strong Buy
FCFS$134.51$137.00+1.85%Strong Buy
CACC$502.66$475.00-5.50%Sell
SEZL$165.40$115.42-30.22%Strong Buy
View Top Credit Service Stocks

Upstart Holdings Stock Forecast FAQ

Is Upstart Holdings Stock a good buy in 2025, according to Wall Street analysts?

The consensus among 10 Wall Street analysts covering (NASDAQ: UPST) stock is to Buy UPST stock.

Out of 10 analysts, 4 (40%) are recommending UPST as a Strong Buy, 1 (10%) are recommending UPST as a Buy, 4 (40%) are recommending UPST as a Hold, 0 (0%) are recommending UPST as a Sell, and 1 (10%) are recommending UPST as a Strong Sell.

If you're new to stock investing, here's how to buy Upstart Holdings stock.

What is UPST's earnings growth forecast for 2025-2027?

(NASDAQ: UPST) Upstart Holdings's forecast annual earnings growth rate of N/A is not forecast to beat the US Credit Services industry's average forecast earnings growth rate of 15.09%, and while it is not forecast to beat the US market's average forecast earnings growth rate of 19.72%.

Upstart Holdings's earnings in 2025 is -$66,430,000.On average, 2 Wall Street analysts forecast UPST's earnings for 2025 to be $5,708,691, with the lowest UPST earnings forecast at $951,449, and the highest UPST earnings forecast at $10,465,934. On average, 2 Wall Street analysts forecast UPST's earnings for 2026 to be $71,358,644, with the lowest UPST earnings forecast at $70,407,195, and the highest UPST earnings forecast at $72,310,092.

In 2027, UPST is forecast to generate $107,513,690 in earnings, with the lowest earnings forecast at $107,513,690 and the highest earnings forecast at $107,513,690.

What is UPST's revenue growth forecast for 2025-2027?

(NASDAQ: UPST) Upstart Holdings's forecast annual revenue growth rate of 33.03% is forecast to beat the US Credit Services industry's average forecast revenue growth rate of 11.97%, and it is also forecast to beat the US market's average forecast revenue growth rate of 10%.

Upstart Holdings's revenue in 2025 is $722,105,000.On average, 5 Wall Street analysts forecast UPST's revenue for 2025 to be $96,287,928,324, with the lowest UPST revenue forecast at $95,240,002,858, and the highest UPST revenue forecast at $97,405,499,826. On average, 5 Wall Street analysts forecast UPST's revenue for 2026 to be $123,362,539,406, with the lowest UPST revenue forecast at $115,709,467,608, and the highest UPST revenue forecast at $126,495,088,711.

In 2027, UPST is forecast to generate $143,765,307,611 in revenue, with the lowest revenue forecast at $133,014,414,381 and the highest revenue forecast at $154,516,200,841.

What is UPST's forecast return on assets (ROA) for 2025-2027?

(NASDAQ: UPST) forecast ROA is 4.68%, which is lower than the forecast US Credit Services industry average of 25.14%.

What is UPST's Price Target?

According to 10 Wall Street analysts that have issued a 1 year UPST price target, the average UPST price target is $67.25, with the highest UPST stock price forecast at $108.00 and the lowest UPST stock price forecast at $16.50.

On average, Wall Street analysts predict that Upstart Holdings's share price could reach $67.25 by Jun 24, 2026. The average Upstart Holdings stock price prediction forecasts a potential upside of 6.02% from the current UPST share price of $63.43.

What is UPST's Earnings Per Share (EPS) forecast for 2025-2027?

(NASDAQ: UPST) Upstart Holdings's current Earnings Per Share (EPS) is -$0.74. On average, analysts forecast that UPST's EPS will be $0.06 for 2025, with the lowest EPS forecast at $0.01, and the highest EPS forecast at $0.11. On average, analysts forecast that UPST's EPS will be $0.75 for 2026, with the lowest EPS forecast at $0.74, and the highest EPS forecast at $0.76. In 2027, UPST's EPS is forecast to hit $1.13 (min: $1.13, max: $1.13).

What is UPST's forecast return on equity (ROE) for 2025-2027?

(NASDAQ: UPST) forecast ROE is 15.89%, which is considered weak.
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