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Upstart Holdings (UPST): analyst forecast and price target
Price targets and ratings of
Analyst consensus
Moderate Buy4 Buy4 Hold0 Sell
Ratings of 8 analysts in the last 3 months · top analysts only12-month forecast
$37.25+58.1% upside
Based on 8 price targets given in the last 3 months, the average target is $37.25, the highest $51.00, the lowest $18.00. The average is +58.1% from the last price of $23.56.
Highest target $51.00
Average target $37.25
Lowest target $18.00
Analyst ratings 19
| Analyst | Firm | Price target | Rating | Upside | Action | Date | Move vs SPY | |
|---|---|---|---|---|---|---|---|---|
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $25.00 → $26.00+4.0% | Hold | +10.4% | Reiterated | 16.10.26on TipRanks 03:05 | — | |
| AI DeepSeek Financial - Credit ServicesDeepSeek V3.2-Speciale | TipRanks - DeepSeek | $24.50 → $25.00+2.0% | Hold | +6.1% | Reiterated | 16.10.26on TipRanks 03:05 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $24.50 → $25.00+2.0% | Hold | +6.1% | Reiterated | 16.10.26on TipRanks 03:05 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $23.50 → $24.50+4.3% | Hold | +4.0% | Reiterated | 16.10.26on TipRanks 03:05 | — | |
| AI Google Financial - Credit ServicesGemini 3.1Pro | TipRanks - Google | $26.00 → $27.00+3.8% | Hold | +14.6% | Reiterated | 16.10.26on TipRanks 03:05 | — | |
| AI PerPlexity Financial - Credit ServicesPerPlexity SonarPro | TipRanks - PerPlexity | $26.00 → $27.00+3.8% | Hold | +14.6% | Reiterated | 16.10.26on TipRanks 03:05 | — | |
| David Scharf★★★★★★★★★★#396 · hits 56% · avg +17.9% | Citizens JMP | $20.00 → $18.00−10.0% | Buy | −23.6% | Reiterated | 15.10.26on TipRanks Oct 16 02:50 | +8.6%next day −3.7% | ↗ |
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $26.00 → $25.00−3.8% | Hold | +6.1% | Reiterated | 14.10.26on TipRanks 03:05 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $24.00 → $23.50−2.1% | Hold | −0.3% | Reiterated | 14.10.26on TipRanks 03:05 | — | |
| Will Nance★★★★★★★★★★#11905 · hits 45% · avg −5.9% | Goldman Sachs | $39.00 → $28.00−28.2% | Hold | +18.8% | Assigned | 13.10.26on TipRanks 06:30 | +0.3%next day −3.5% | ↗ |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $25.00 → $24.50−2.0% | Hold | +4.0% | Reiterated | 12.10.26on TipRanks 03:05 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $24.50 → $25.00+2.0% | Hold | +6.1% | Reiterated | 10.10.26on TipRanks 03:05 | — | |
| AI DeepSeek Financial - Credit ServicesDeepSeek V3.2-Speciale | TipRanks - DeepSeek | $25.00 → $24.50−2.0% | Hold | +4.0% | Reiterated | 08.10.26on TipRanks 03:05 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $25.00 → $24.50−2.0% | Hold | +4.0% | Reiterated | 08.10.26on TipRanks 03:05 | — | |
| AI PerPlexity Financial - Credit ServicesPerPlexity SonarPro | TipRanks - PerPlexity | $27.00 → $26.00−3.7% | Hold | +10.4% | Reiterated | 08.10.26on TipRanks 03:05 | — | |
| Kyle Peterson★★★★★★★★★★#11149 · hits 40% · avg −2.6% | Needham | $42.00 | Buy | +78.3% | Reiterated | 06.10.26on TipRanks 06:50 | −2.6%next day +0.9% · 5 days 0.0% | ↗ |
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $24.50 → $26.00+6.1% | Hold | +10.4% | Reiterated | 06.10.26on TipRanks 03:05 | — | |
| AI DeepSeek Financial - Credit ServicesDeepSeek V3.2-Speciale | TipRanks - DeepSeek | $23.50 → $25.00+6.4% | Hold | +6.1% | Reiterated | 06.10.26on TipRanks 03:05 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $23.50 → $25.00+6.4% | Hold | +6.1% | Reiterated | 06.10.26on TipRanks 03:05 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $22.50 → $24.00+6.7% | Hold | +1.9% | Reiterated | 06.10.26on TipRanks 03:05 | — | |
| AI Google Financial - Credit ServicesGemini 3.1Pro | TipRanks - Google | $24.50 → $26.00+6.1% | Hold | +10.4% | Reiterated | 06.10.26on TipRanks 03:05 | — | |
| AI PerPlexity Financial - Credit ServicesPerPlexity SonarPro | TipRanks - PerPlexity | $25.00 → $27.00+8.0% | Hold | +14.6% | Reiterated | 06.10.26on TipRanks 03:05 | — | |
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $25.00 → $24.50−2.0% | Hold | +4.0% | Reiterated | 02.10.26on TipRanks 03:05 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $23.00 → $22.50−2.2% | Hold | −4.5% | Reiterated | 02.10.26on TipRanks 03:05 | — | |
| AI Google Financial - Credit ServicesGemini 3.1Pro | TipRanks - Google | $25.00 → $24.50−2.0% | Hold | +4.0% | Reiterated | 02.10.26on TipRanks 03:05 | — | |
| AI xAi Financial - Credit ServicesxAI Grok-4 | TipRanks - xAI | $25.00 | Hold | +6.1% | Reiterated | 30.09.26on TipRanks 03:05 | — | |
| AI DeepSeek Financial - Credit ServicesDeepSeek V3.2-Speciale | TipRanks - DeepSeek | $24.50 → $23.50−4.1% | Hold | −0.3% | Reiterated | 30.09.26on TipRanks 03:05 | — | |
| AI OpenAI Financial - Credit ServicesOpenAI 5.2 | TipRanks - OpenAI | $24.50 → $23.50−4.1% | Hold | −0.3% | Reiterated | 30.09.26on TipRanks 03:05 | — | |
| AI Anthropic Financial - Credit ServicesAnthropic Opus-4.6 | TipRanks - Anthropic | $23.50 → $23.00−2.1% | Hold | −2.4% | Reiterated | 30.09.26on TipRanks 03:05 | — | |
| AI Google Financial - Credit ServicesGemini 3.1Pro | TipRanks - Google | $26.00 → $25.00−3.8% | Hold | +6.1% | Reiterated | 30.09.26on TipRanks 03:05 | — | |
| AI PerPlexity Financial - Credit ServicesPerPlexity SonarPro | TipRanks - PerPlexity | $26.00 → $25.00−3.8% | Hold | +6.1% | Reiterated | 30.09.26on TipRanks 03:05 | — | |
| Vincent Caintic★★★★★★★★★★#2614 · hits 52% · avg +5.5% | BTIG | $43.00 | Buy | +82.5% | Reiterated | 21.09.26on TipRanks 17:10 | +1.5%next day −5.1% · 5 days −9.7% | ↗ |
| Reginald Smith★★★★★★★★★★#2055 · hits 53% · avg +10.1% | J.P. Morgan | $34.00 | Hold | +44.3% | Initiated | 08.09.26on TipRanks Sep 10 03:05 | −3.3%next day −3.6% · 5 days −5.2% | ↗ |
| Arvind Ramnani★★★★★★★★★★#11277 · hits 46% · avg −2.4% | Truist Financial | — | Buy | — | Reiterated | 04.09.26on TipRanks 08:35 | −1.3%next day −3.3% · 5 days −5.7% | ↗ |
| Will Nance★★★★★★★★★★#11905 · hits 45% · avg −5.9% | Goldman Sachs | $39.00 | Hold | +65.5% | Reiterated | 03.09.26on TipRanks Sep 4 09:25 | +0.2%next day −1.3% · 5 days −9.1% | ↗ |
| Manyi Lu★★★★★★★★★★#444 · hits 84% · avg +22.4% | DBS | $35.00 | Hold | +48.6% | Reiterated | 13.08.26on TipRanks 07:30 | +5.7%next day −1.5% · 5 days −4.8% | ↗ |
| Mihir Bhatia★★★★★★★★★★#623 · hits 68% · avg +10.8% | Bank of America Securities | $37.00 | Hold | +57.0% | Reiterated | 13.08.26on TipRanks 07:05 | +5.7%next day −1.5% · 5 days −4.8% | ↗ |
| James Faucette★★★★★★★★★★#2607 · hits 60% · avg +3.1% | Morgan Stanley | $35.00 | Hold | +48.6% | Assigned | 06.08.26on TipRanks Aug 5 09:05 | −0.2%next day −1.5% · 5 days −4.0% | ↗ |
| Unknown Analyst | B. Riley Securities | $54.00 | Buy | +129.2% | Reiterated | 05.08.26on TipRanks 09:05 | −0.2%next day −1.5% · 5 days −4.0% | ↗ |
| Patrick Moley★★★★★★★★★★#127 · hits 71% · avg +31.7% | Piper Sandler | $46.00 → $51.00+10.9% | Buy | +116.5% | Assigned | 05.08.26on TipRanks 07:10 | −0.2%next day −1.5% · 5 days −4.0% | ↗ |
| Kyle Peterson★★★★★★★★★★#11149 · hits 40% · avg −2.6% | Needham | $40.00 → $42.00+5.0% | Buy | +78.3% | Reiterated | 05.08.26on TipRanks 06:50 | −0.2%next day −1.5% · 5 days −4.0% | ↗ |
| Dan Dolev★★★★★★★★★★#1453 · hits 53% · avg +7.6% | Mizuho Securities | $45.00 | Buy | +91.0% | Reiterated | 05.08.26on TipRanks 04:56 | −0.2%next day −1.5% · 5 days −4.0% | ↗ |
| Peter Christiansen★★★★★★★★★★#10530 · hits 48% · avg −1.5% | Citi | $80.00 → $61.00−23.8% | Buy | +158.9% | Reiterated | 22.07.26on TipRanks Jul 24 05:11 | −2.0%next day −2.4% · 5 days −4.7% | ↗ |
| John Hecht★★★★★★★★★★#407 · hits 59% · avg +14.3% | Jefferies | $27.00 → $30.00+11.1% | Hold | +27.3% | Assigned | 09.06.26on TipRanks 15:05 | +0.5%next day −0.9% · 5 days +2.0% | ↗ |
| Giuliano Bologna★★★★★★★★★★#1047 · hits 60% · avg +14.1% | Compass Point | $20.00 → $30.00+50.0% | Hold | +27.3% | Upgrade | 16.02.26on TipRanks Feb 17 05:30 | +4.0%next day −1.9% · 5 days −12.6% | ↗ |
| David Scharf★★★★★★★★★★#396 · hits 56% · avg +17.9% | Citizens JMP | $20.00 | Sell | −15.1% | Downgrade | 13.02.26on TipRanks 05:11 | +1.6%next day +4.0% · 5 days −11.2% | ↗ |
| Unknown Analyst | Stephens | $45.00 | Hold | +91.0% | Reiterated | 11.02.26on TipRanks 07:41 | −15.0%next day −7.2% · 5 days −6.3% | ↗ |
| No ratings for this filter. | ||||||||
Every rating the collector has kept for the last 12 months, including the earlier ones of the same analyst. Latest of each analyst
Best analysts covering Upstart Holdings
TipRanks picks them by their record on this stock; the figures under the name are their record across all their ratings.
Most accurate
Most profitable
How the average price target moved
The average target of all analysts (their ratings of the 3 months before) on each day, the top analysts’ dashed, against the price; the site keeps this record since 1 October 2026. On 01.10.26: target $43.27 at a price of $22.99 (+88.2%); now: $40.25 at $23.56 (+70.8%).
PriceAverage targetTop analysts’ target
Recommendation trend · top analysts
Strong BuyBuyHoldSell
| Rating | 05.26 | 06.26 | 07.26 | 08.26 | 09.26 | 10.26 |
|---|---|---|---|---|---|---|
| Strong Buy | 6 | 3 | 3 | 2 | 3 | 2 |
| Buy | 1 | 3 | 5 | 7 | 5 | 4 |
| Hold | 6 | 6 | 5 | 7 | 5 | 5 |
| Sell | 0 | 0 | 0 | 0 | 0 | 0 |
Earnings and sales forecast
Next report: 03.11.26 (Q3 2026, date not confirmed)
Earnings per share
Next quarter’s EPS estimate — $0.21 (from $0.03 to $0.34). Last quarter: $0.16.
Sales
Next quarter’s sales estimate — $365M (from $351M to $375M). Last quarter: $365M.
Best top-analyst consensus in the sector · Financial
About Upstart Holdings
- CEO: Paul Gu
- Employees: 1,405
- 2950 South Delaware Street, San Mateo, CA, 94403, US
- www.upstart.com
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Data from the stock’s TipRanks forecast page, read 12 min ago. It is read again as soon as a new rating appears and at least every 8 hours. TipRanks ↗