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

OverviewForecast
EarningsRevenueDividendOwnership

Analyst price target for UPST

Based on 8 analysts offering 12 month price targets for Upstart Holdings Inc

Min Forecast
$40.00-14.73%
Avg Forecast
$61.50+31.1%
Max Forecast
$80.00+70.54%

Should I buy or sell UPST stock?

Based on 8 analysts offering ratings for Upstart Holdings Inc.

Buy
Strong Buy
3 analysts 37.5%
Buy
1 analysts 12.5%
Hold
3 analysts 37.5%
Sell
0 analysts 0%
Strong Sell
1 analysts 12.5%
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%2025-11-05
lockedlocked$00.00+00.00%2025-11-05
lockedlocked$00.00+00.00%2025-11-05
lockedlocked$00.00+00.00%2025-11-05
lockedlocked$00.00+00.00%2025-11-05
Bank of America
Top 22%
79
HoldMaintains$71.00+51.35%2025-11-05
Goldman Sachs
Bottom 7%
7
Strong SellMaintains$54.00+15.11%2025-10-13
Morgan Stanley
Top 15%
86
HoldMaintains$70.00+49.22%2025-08-06

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Forecast return on equity

Is UPST forecast to generate an efficient return?

Company
50.57%
Industry
161.61%
Market
228.26%
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
12.95%
Industry
34.29%
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 17 analysts?

Avg 1 year Forecast
$1.63+380.09%
Avg 2 year Forecast
$2.47+626.62%
Avg 3 year Forecast
$3.28+866%
UPST's earnings are forecast to... subscribe to Premium to read more.
Forecast High Earnings Growth Forecast

UPST revenue forecast

What is UPST's revenue in the next 3 years based on estimates from 16 analysts?

Avg 1 year Forecast
$1.1B+9.34%
Avg 2 year Forecast
$1.3B+34.47%
Avg 3 year Forecast
$1.6B+60.44%
UPST's revenue is forecast to... subscribe to Premium to read more.
Forecast High Revenue Growth Forecast

UPST earnings growth forecast

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

Company
113.08%
Industry
23.96%
Market
42.76%
UPST's earnings are forecast to... subscribe to Premium to read more.
Forecast Earnings Growth vs Industry Forecast
UPST's earnings are forecast to... subscribe to Premium to read more.
Forecast Earnings Growth vs Market Forecast
UPST's earnings are forecast to... subscribe to Premium to read more.
Forecast Earnings Growth vs Savings Rate Forecast

UPST revenue growth forecast

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

Company
17.02%
Industry
21.52%
Market
25.81%
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$46.91$61.50+31.10%Buy
NNI$128.84$135.00+4.78%Hold
CACC$461.29$430.00-6.78%Strong Sell
ENVA$135.91$146.50+7.79%Strong Buy
BFH$72.42$65.91-8.99%Sell
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 8 Wall Street analysts covering (NASDAQ: UPST) stock is to Buy UPST stock.

Out of 8 analysts, 3 (37.5%) are recommending UPST as a Strong Buy, 1 (12.5%) are recommending UPST as a Buy, 3 (37.5%) are recommending UPST as a Hold, 0 (0%) are recommending UPST as a Sell, and 1 (12.5%) 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 113.08% is forecast to beat the US Credit Services industry's average forecast earnings growth rate of 23.96%, and it is also forecast to beat the US market's average forecast earnings growth rate of 42.76%.

Upstart Holdings's earnings in 2025 is $32,210,000.On average, 17 Wall Street analysts forecast UPST's earnings for 2025 to be $158,800,728, with the lowest UPST earnings forecast at $126,803,203, and the highest UPST earnings forecast at $177,645,120. On average, 17 Wall Street analysts forecast UPST's earnings for 2026 to be $240,346,259, with the lowest UPST earnings forecast at $191,634,916, and the highest UPST earnings forecast at $319,732,030.

In 2027, UPST is forecast to generate $319,527,728 in earnings, with the lowest earnings forecast at $242,165,516 and the highest earnings forecast at $445,377,524.

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

(NASDAQ: UPST) Upstart Holdings's forecast annual revenue growth rate of 17.02% is not forecast to beat the US Credit Services industry's average forecast revenue growth rate of 21.52%, and while it is not forecast to beat the US market's average forecast revenue growth rate of 25.81%.

Upstart Holdings's revenue in 2025 is $966,731,000.On average, 16 Wall Street analysts forecast UPST's revenue for 2025 to be $102,831,813,588, with the lowest UPST revenue forecast at $98,551,208,292, and the highest UPST revenue forecast at $106,236,840,528. On average, 16 Wall Street analysts forecast UPST's revenue for 2026 to be $126,472,429,200, with the lowest UPST revenue forecast at $104,582,970,300, and the highest UPST revenue forecast at $143,302,990,932.

In 2027, UPST is forecast to generate $150,891,336,684 in revenue, with the lowest revenue forecast at $135,714,645,180 and the highest revenue forecast at $174,142,806,360.

What is UPST's forecast return on assets (ROA) for 2025-2028?

(NASDAQ: UPST) forecast ROA is 12.95%, which is lower than the forecast US Credit Services industry average of 34.29%.

What is UPST's Price Target?

According to 8 Wall Street analysts that have issued a 1 year UPST price target, the average UPST price target is $61.50, with the highest UPST stock price forecast at $80.00 and the lowest UPST stock price forecast at $40.00.

On average, Wall Street analysts predict that Upstart Holdings's share price could reach $61.50 by Nov 5, 2026. The average Upstart Holdings stock price prediction forecasts a potential upside of 31.1% from the current UPST share price of $46.91.

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

(NASDAQ: UPST) Upstart Holdings's current Earnings Per Share (EPS) is $0.34. On average, analysts forecast that UPST's EPS will be $1.63 for 2025, with the lowest EPS forecast at $1.30, and the highest EPS forecast at $1.83. On average, analysts forecast that UPST's EPS will be $2.47 for 2026, with the lowest EPS forecast at $1.97, and the highest EPS forecast at $3.29. In 2027, UPST's EPS is forecast to hit $3.28 (min: $2.49, max: $4.58).

What is UPST's forecast return on equity (ROE) for 2025-2028?

(NASDAQ: UPST) forecast ROE is 50.57%, which is considered strong.
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