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UPST
Volume: 3.06M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 13 analyst ratings
Buy
Strong Buy 31%
Buy 23%
Hold 38%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings is attractive because June originations rose 48% y/y to $1,500 million, pointing to a 2Q26 transaction volume of $4,227 million, up 50% y/y and 23% q/q, while still running 5% ahead of consensus. The thesis is strengthened by improving funding durability through committed capital and the potential bank charter, which could reduce reliance on third-party funding, lift EPS by as much as 60% annually, and support stronger margins and volume growth. Management’s AI-led underwriting, expanding product mix across personal loans, auto, and HELOCs, plus EBITDA margins already 100 bps above 21% guidance, suggest the business can scale profitably while sustaining momentum into 2026 and beyond.

Bears say

Upstart Holdings is facing a fragile funding backdrop, as stalled private credit supply and rising redemption requests at private credit funds could halt y/y growth in transaction volumes and force downward revisions to originations and broader estimates. Higher loan loss rates would further weaken investor demand and funding while creating negative fair value marks on loans held on the balance sheet, increasing earnings volatility. In addition, higher interest rates could make it harder to profitably underwrite borrowers at appropriate APRs below 36%, pressuring both growth and profitability.

Upstart Holdings (UPST) has been analyzed by 13 analysts, with a consensus rating of Buy. 31% of analysts recommend a Strong Buy, 23% recommend Buy, 38% suggest Holding, 8% advise Selling, and 0% 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 13 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of Oct 24, 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 $44.85, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $44.85, 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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