UPSTART HOLDINGS INC (UPST) Forecast, Price Target & Analyst Ratings

NASDAQ:UPST • US91680M1071

Current stock price

35.6006 USD
+0.74 (+2.12%)
Last:

Analyst forecast overview

View the latest analyst price targets, stock forecast, EPS estimates, revenue projections, revisions, full estimates, rating distribution and upgrades/downgrades for UPSTART HOLDINGS INC (UPST).

Forecast Snapshot

Consensus Price Target

Price Target
$47.19
+ 32.56% Upside
→ Price target details

Next Earnings Forecast

Earnings Estimate
Release Date
May 5, 2026
Period
Q1 / 2026
EPS Estimate
$0.42
Revenue Estimate
308.83M
→ Full earnings forecast details

ChartMill Buy Consensus

Rating
75.24%
Weighted Analyst Rating Score
→ Analyst Ratings details

Price Target Details & History

Consensus Price Target and Range

Mean target
$47.19
Upside
+ 32.56%
From current price of $35.60 to mean target of $47.19, Based on 21 analyst forecasts
Low
$20.20
Median
$45.90
High
$84.00

Price Target Revisions

1 Month
-15.32%
3 Months
-23.18%

Price Target Summary

21 Wall Street analysts provided a forecast for the next 12 months for UPST. The average price target is 47.19 USD. This implies a price increase of 32.56% is expected in the next year compared to the current price of 35.6006.
The average price target has been revised downward by 23.18% in the past 3 months.
→ Find peer stocks trading 30% below analyst price target

Analyst Ratings & History

Current Analyst Ratings

UPST Current Analyst RatingUPST Current Analyst Buy, Sell and Hold Ratings.Current Analyst Rating Strong Buy Buy Hold Sell Strong Sell 2 4 6 8

Analyst Ratings History

UPST Historical Analyst RatingsUPST Historical Analyst Buy, Sell and Hold Ratings and number of analysts.Historical Monthly Analyst Rating -19 -17 -15 -13 -11 -9 -7 -5 -3 -1 5 10 15 20

Analyst Ratings Consensus

ChartMill Buy Consensus
75.24%
UPST was analyzed by 21 analysts. The buy percentage consensus is at 75. So analysts seem to be have mildly positive about UPST.
In the previous month the buy percentage consensus was at a similar level.
UPST was analyzed by 21 analysts, which should be a sufficient number of analysts to have a meaningful average consensus rating.
→ Find peer stocks with a buy consensus above 85%

Recent Upgrades & Downgrades

DateFirmActionFrom → To
2026-04-09BTIGReiterate Buy -> Buy
2026-03-26MizuhoMaintains Outperform -> Outperform
2026-03-16BTIGUpgrade Neutral -> Buy
2026-03-11NeedhamReiterate Buy -> Buy
2026-03-04NeedhamMaintains Buy -> Buy
2026-02-18CitizensReiterate Market Underperform -> Market Underperform
2026-02-17Compass PointUpgrade Sell -> Neutral
2026-02-13CitizensDowngrade Market Perform -> Market Underperform
2026-02-13Goldman SachsUpgrade Sell -> Neutral
2026-02-11NeedhamReiterate Buy -> Buy
2026-02-11Truist SecuritiesMaintains Buy -> Buy
2026-01-06Truist SecuritiesInitiate Buy
2025-11-05BTIGReiterate Neutral -> Neutral
2025-11-05NeedhamMaintains Buy -> Buy
2025-11-05Stephens & Co.Maintains Equal-Weight -> Equal-Weight
2025-11-05JP MorganMaintains Overweight -> Overweight
2025-11-05B of A SecuritiesMaintains Neutral -> Neutral
2025-11-05Piper SandlerMaintains Overweight -> Overweight
2025-11-05CitigroupMaintains Buy -> Buy
2025-10-13Goldman SachsMaintains Sell -> Sell
2025-08-20JP MorganUpgrade Neutral -> Overweight
2025-08-06NeedhamMaintains Buy -> Buy
2025-08-06B of A SecuritiesMaintains Neutral -> Neutral
2025-08-06Morgan StanleyMaintains Equal-Weight -> Equal-Weight
2025-08-06Piper SandlerMaintains Overweight -> Overweight

Next Earnings Forecast Details

Next Earnings Details

Release Date
May 5, 2026
Period
Q1 / 2026
EPS Estimate
$0.42
Revenue Estimate
308.83M
Revenue Q2Q
44.74%
EPS Q2Q
41.63%
Number of Analysts
15

Next Earnings Revisions

Revenue (1 Month)
1.22%
Revenue (3 Months)
8.52%
EPS (1 Month)
11.23%
EPS (3 Months)
-15.24%

Next Earnings Summary

UPST is expected to report earnings on 5/5/2026. The consensus EPS estimate for the next earnings is 0.42 USD and the consensus revenue estimate is 308.83M USD.
The next earnings revenue estimate has been revised upward by 8.52% in the past 3 months. Upward revisions are a positive sign and indicate that analysts are more optimistic about the next earnings compared to 3 months ago.
→ Find peers expecting at least 20% revenue growth next quarter

Full Analyst Estimates 2026 - 2030

Yearly Earnings Per Share (EPS), Revenue, EBIT, EBITDA and Operating Margin Analyst Estimates

2023 2024 2025 2026 2027 2028 2029 2030
Revenue
YoY % growth
UPST revenue by date.UPST revenue by date.
513.562M
-39.04%		636.528M
23.94%		1.044B
63.99%		1.446B
38.52%		1.918B
32.64%		2.409B
25.60%		3.518B
46.04%		4.466B
26.95%
EBITDA
YoY % growth
UPST ebitda by date.UPST ebitda by date.
-231.622M
-130.81%		-152.307M
34.24%		67.466M
144.30%		311.84M
362.22%		453.29M
45.36%		597.72M
31.86%		974.1M
62.97%		1.239B
27.19%
EBIT
YoY % growth
UPST ebit by date.UPST ebit by date.
-256.525M
-125.29%		-172.856M
32.62%		42.631M
124.66%		170.32M
299.52%		291.73M
71.28%		484.71M
66.15%		N/AN/A
Operating Margin
UPST operating margin by date.UPST operating margin by date.
-49.95%-27.16%4.08%11.78%15.21%20.12%N/AN/A
EPS
YoY % growth
UPST eps by date.UPST eps by date.
-0.57
-538.46%		-0.28
50.88%		1.64
685.71%		2.31
41.11%		3.46
49.64%		4.73
36.69%		6.50
37.25%		7.87
21.19%

All data in USD

Quarterly Earnings Per Share (EPS), Revenue, EBIT and EBITDA Analyst Estimates

Q1 / 26 Q2 / 26 Q3 / 26 Q4 / 26 Q1 / 27 Q2 / 27 Q3 / 27 Q4 / 27 Q1 / 28 Q2 / 28 Q3 / 28 Q4 / 28
EPS
Q2Q % growth		0.42
41.63%		0.62
71.33%		0.69
32.63%		0.75
62.06%		0.56
32.03%		0.95
54.12%		0.98
41.69%		1.08
44.76%		1.03
83.64%		1.92
101.72%		1.85
88.94%		1.14
5.86%
Revenue
Q2Q % growth		308.83M
44.74%		356.58M
38.59%		376.56M
35.89%		405.12M
36.86%		407.22M
31.86%		477.82M
34.00%		510.39M
35.54%		548.61M
35.42%		545.6M
33.98%		716.96M
50.05%		739.4M
44.87%		712.06M
29.79%
EBITDA
Q2Q % growth		59.294M
3,014.18%		79.898M
376.01%		85.847M
104.20%		92.162M
110.64%		80.197M
35.25%		121.67M
52.28%		127.65M
48.69%		145.36M
57.72%		132.89M
65.70%		237.86M
95.50%		230.63M
80.67%		146.38M
0.70%
EBIT
Q2Q % growth		12.162M
370.51%		33.059M
627.85%		42.146M
78.09%		49.834M
163.41%		29.464M
142.26%		60.321M
82.46%		71.667M
70.04%		97.281M
95.21%		N/AN/AN/AN/A

All data in USD

Yearly Earnings Per Share (EPS) and Revenue Trends vs Historical Data

UPST Yearly Revenue VS EstimatesUPST Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B 4B
UPST Yearly EPS VS EstimatesUPST Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

Long Term Forward Growth Forecast Summary

Long Term EPS Growth (CAGR)

EPS Next 3 Year
42.38%
EPS Next 5 Year
36.86%

Long Term Revenue Growth (CAGR)

Revenue Next 3 Year
31.60%
Revenue Next 5 Year
33.40%

Long Term EBIT Growth (CAGR)

EBIT Next 3 Year
140.47%
EBIT Next 5 Year
95.86%
→ Find peers expecting at least 20% CAGR revenue growth over the next 3 years

UPSTART HOLDINGS INC / UPST Forecast FAQ

Can you provide the average price target for UPSTART HOLDINGS INC stock?

21 analysts have analysed UPST and the average price target is 47.19 USD. This implies a price increase of 32.56% is expected in the next year compared to the current price of 35.6006.

When does UPSTART HOLDINGS INC (UPST) report earnings?

UPSTART HOLDINGS INC (UPST) will report earnings on 2026-05-05.

What are the consensus estimates for UPST stock next earnings?

The consensus EPS estimate for the next earnings of UPSTART HOLDINGS INC (UPST) is 0.42 USD and the consensus revenue estimate is 308.83M USD.

How many analysts have analysed UPSTART HOLDINGS INC (UPST)?

The number of analysts covering UPSTART HOLDINGS INC (UPST) is 21.