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Upstart Holdings, Inc.

UPSTNASDAQFinancialsCredit Services

$23.78Today:- (-)1Y −54.22%

As of Oct 23, 2026 close

Market cap
$2.61B
P/E (TTM)
43.25
Forward P/E
-
Dividend yield
-
52-week range
$22.21$55.22
Volume (live)
-
Avg. volume (3M)
4.18M

Upstart Holdings, Inc. (UPST) Analyst Forecast

Analyst consensus ratings, 12-month price targets, and expert recommendations for Upstart Holdings, Inc. stock.

Analyst Consensus Rating

Investment consensus from 15 professional research analysts

Consensus Rating

Buy
Based on 15 unique analysts
(19 total ratings in last 90 days)
High Confidence9.0:1 Buy/Sell

Average Price Target

$38.36
+61.31% upside

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Strong Sell
Sell
Hold
Buy
Strong Buy

Latest UPST Analyst Ratings & Recommendations

Recent analyst recommendations with rating changes and price target updates (last 90 days)

David Scharf
Citizens JMP
BuyMaintains
$20.00 → $18.00
Will Nance
Goldman Sachs
HoldReiterates
$39.00 → $28.00
Swayta Shah
Zacks Equity Research
BuyInitiates Coverage
-
Kyle Peterson
Needham
BuyReiterates
$42.00
Zacks Equity Research
Zacks Equity Research
SellInitiates Coverage
-
Vincent Caintic
BTIG
BuyReiterates
$43.00
Reginald Smith
Loop Capital
HoldInitiates
$34.00
Arvind Ramnani
Truist
BuyMaintains
-
Will Nance
Goldman Sachs
HoldMaintains
$39.00
Will Nance
Goldman Sachs
HoldMaintains
$39.00
Manyi Lu
DBS
HoldMaintains
$35.00
Mihir Bhatia
BofA Securities
HoldMaintains
$37.00
James Faucette
Morgan Stanley
HoldInitiates Coverage
$35.00
Dan Dolev
Mizuho
BuyReiterates
$45.00
Patrick Moley
Piper Sandler
BuyInitiates Coverage
$46.00 → $51.00
Unknown Analyst
B Riley
BuyReiterates
$54.00
Kyle Peterson
Needham
BuyReiterates
$40.00 → $42.00
James Faucette
Morgan Stanley
HoldReiterates
$35.00
Moumita C. Chattopadhyay
Zacks Equity Research
BuyInitiates Coverage
-

Source: Professional analyst ratings and price targets from the last 90 days. Data as of Oct 15, 2026. Data sources and methodology

Frequently Asked Questions

What is the analyst consensus rating for UPST?

The analyst consensus rating for UPST is Buy, based on the latest ratings from 15 analysts over the last 90 days.

What is the average price target for UPST?

The average 12-month price target for UPST is $38.36, representing an upside of 61.3% from the Oct 23, 2026 close of $23.78.

What do analyst ratings mean?

Analyst ratings indicate investment recommendations: Strong Buy and Buy are bullish signals suggesting the stock may outperform. Hold means the stock is fairly valued. Sell and Strong Sell are bearish signals suggesting potential underperformance. These ratings are based on fundamental analysis and valuation models.

What is a price target?

A price target is an analyst's projection of a stock's fair value over a specific timeframe, typically 12 months. Analysts use fundamental analysis, financial modeling, and industry comparisons to estimate where the stock should trade. Price targets can range from low (conservative) to high (optimistic) estimates.