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UPST
Volume: 2.52M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 11 analyst ratings
Buy
Strong Buy 36%
Buy 18%
Hold 36%
Sell 0%
Strong Sell 9%

Bulls say

Upstart Holdings Inc. demonstrated impressive growth metrics, with loan volumes increasing by 127.5% year-over-year to 428,056, driven primarily by near-prime borrowers and new product offerings, such as automotive loans and home equity lines of credit. The company is projected to achieve 63% revenue growth in 2025, with a significant improvement in EBITDA margins anticipated to reach approximately 30% in 2026, increasing to 35% by 2027. With automation exceeding 90% of loan originations and strong credit performance, Upstart's focus on quality underwriting and AI-driven efficiencies is expected to bolster its long-term profitability.

Bears say

Upstart Holdings Inc. demonstrated a weaker financial performance in the third quarter of 2025, with revenues falling short of expectations due to conservative responses from its AI-driven risk models to macroeconomic conditions, which led to a significant decline in conversion rates. Despite an increase in applications, management anticipates higher loss rates for underwritten loans, which could diminish investor confidence and create negative valuations on existing loans. The company also projected lower revenue for the fourth quarter of 2025, forecasting approximately $288 million, which is below the $303.6 million consensus, raising concerns about a potential slowdown in growth and reduced contribution margins.

Upstart Holdings (UPST) has been analyzed by 11 analysts, with a consensus rating of Buy. 36% of analysts recommend a Strong Buy, 18% recommend Buy, 36% suggest Holding, 0% advise Selling, and 9% predict a Strong Sell.

This aggregate rating is based on analysts' research of Upstart Holdings and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Upstart Holdings (UPST) Forecast

Analysts have given Upstart Holdings (UPST) a Buy based on their latest research and market trends.

According to 11 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Jan 12, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $63.91, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $63.91, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Upstart Holdings (UPST)

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