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UPST Stock Forecast: Upstart Holdings, Inc. Price Predictions for 2026-2027

Last close, 10 Aug 2026
$30
−2.83% on the day

The 15 Wall Street analysts covering Upstart Holdings, Inc. hold a median 12-month price target of $40 — +32.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 24 of 100 as at 8 Aug 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$2.9B
Ticker Nerd rank
24 / 100
Median analyst target
$40
Analysts covering
15
Total return, dividends reinvested
1W
+2.7%
1M
−7.7%
YTD
−30.9%
1Y
−56.1%
From 52W high
−59.0%
From 52W low
+24.7%
$24
$74
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

UPST stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Upstart Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 8 Aug 2026
24 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Quality
85
Growth
80
Value
66
Revisions
35
Size
31
Volatility
21
Issuance
18
Accruals
13
Momentum
8

Quality (85): The business earns solid, repeatable profits on what it owns.

Momentum (8): The shares have been drifting down relative to others.

The rank is the raw material. Whether the rules would actually own Upstart Holdings, Inc. — and when they’d sell — is the membership.

Wall Street

UPST stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on UPST, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$20$30$40$50$60$70Oct 25Jan 26Apr 26Jul 26UPSTHigh $61Median $40Low $20

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

What Wall Street says15 analysts
8 Buy6 Hold1 Sell
Low $20Median $40High $61

The green dot is the last close — the median target sits +32.4% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 4 moved their price target up and 1 moved it down.

DateFirmActionRatingTarget
5 Aug 2026BTIGReiteratesBuy$43
5 Aug 2026NeedhamMaintainsBuy$40 → $42
5 Aug 2026Piper SandlerMaintainsOverweight$46 → $51
22 July 2026CitigroupMaintainsBuy—
22 July 2026CitigroupMaintainsBuy$80 → $61
9 July 2026Goldman SachsMaintainsNeutral—
9 July 2026Goldman SachsMaintainsNeutral$32 → $39
7 July 2026BTIGReiteratesBuy$43
7 July 2026BTIGReiteratesBuy—
7 July 2026NeedhamMaintainsBuy$37 → $40
7 July 2026NeedhamMaintainsBuy—
15 June 2026NeedhamReiteratesBuy—
6 May 2026BTIGReiteratesBuy—
6 May 2026NeedhamMaintainsBuy—
6 May 2026Piper SandlerMaintainsOverweight—
9 Apr 2026BTIGReiteratesBuy—
26 Mar 2026MizuhoMaintainsOutperform—
16 Mar 2026BTIGUpgradeBuy—
11 Mar 2026NeedhamReiteratesBuy—
4 Mar 2026NeedhamMaintainsBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Estimates

UPST analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−3.9%
Analysts raising
1
Analysts cutting
1
Fundamentals

Upstart Holdings, Inc. (UPST) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
58.1×

Cheaper than 13% of US stocks

Price / sales
2.3×

Cheaper than 50% of US stocks

Price / book
3.9×

Cheaper than 27% of US stocks

EV / EBITDA
39.5×

Cheaper than 7% of US stocks

Growth & margins
Revenue growth (YoY)
42.3%

Higher than 84% of US stocks

Earnings growth (YoY)
195.0%

Higher than 90% of US stocks

Gross margin
—
Operating margin
7.2%

Higher than 59% of US stocks

Net margin
4.7%

Higher than 59% of US stocks

Returns & dividend
Return on equity
7.9%

Higher than 59% of US stocks

Return on assets
2.0%

Higher than 58% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Peers

UPST vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
UPSTUpstart Holdings, Inc.$2.9B
24
AGMFederal Agricultural Mortgage Corp.$2.5B
87
SEZLSezzle, Inc.$4.0B
92
WUThe Western Union Co.$2.3B
64
ECPGEncore Capital Group, Inc.$2.2B
99
BFHBread Financial Holdings, Inc.$4.4B
99
NNINelnet, Inc.$4.7B
57
Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. UPST appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

News

Latest UPST news & analysis

Why Upstart Stock Plunged 23% in July

The Motley Fool · 9 Aug 2026negative

Upstart's stock plunged 23% in July, weighed down by high interest rates and concerns about software-as-a-service stocks amid the agentic AI era. This decline came despite solid second-quarter results, which included a 42% year-over-year increase in revenue and positive net income.

Why it matters — For UPST watchers, the drop shows that macro and sector headwinds, rather than the company's own fundamentals, are currently driving the stock's performance.

Upstart: 27% Short Interest, GAAP Profitability, And 42% Growth

Seeking Alpha · 6 Aug 2026neutral

Upstart reported strong Q2 results with 50% year-over-year originations growth and 42% revenue growth, returning to GAAP profitability. Management reaffirmed $1.3 billion revenue guidance with a 21% adjusted EBITDA margin for 2026 and a target of 35% annual revenue growth over three years, while the article maintains a "Neutral" rating amid valuation compression versus traditional lenders.

Why it matters — UPST watchers would care because it highlights the company's return to GAAP profitability and strong growth along with its longer-term revenue and margin guidance, balanced against ongoing valuation concerns versus traditional lenders.

Why Upstart Stock Was Climbing Today

The Motley Fool · 5 Aug 2026neutral

Upstart Holdings beat earnings and revenue estimates but maintained its full-year guidance, which may have disappointed some investors.

Why it matters — Investors weighing Upstart's quarterly beat against unchanged full-year guidance can glean insight into management's outlook and near-term growth expectations.

Upstart Loan Originations Jump 50% as It Preps Bank Launch

PYMNTS · 5 Aug 2026positive

Upstart reported earnings on Aug. 5 with revenues of $365 million, a 42% increase over the same quarter in 2025, and saw loan originations jump 50%. The company said this came as it prepares to launch its bank.

Why it matters — UPST watchers would care because the strong revenue growth and 50% jump in loan originations signal business momentum as the company prepares to launch its bank.

These Analysts Increase Their Forecasts On Upstart After Upbeat Q2 Results

Benzinga · 5 Aug 2026positive

Upstart Holdings posted upbeat second-quarter results on Tuesday. Following the strong results, analysts have increased their forecasts on the company.

Why it matters — Raised analyst forecasts after upbeat Q2 results signal improving expectations for Upstart's near-term performance.

FAQ

Frequently asked questions about UPST stock

What is the UPST stock price forecast for 2026-2027?

The 15 Wall Street analysts covering Upstart Holdings, Inc. have a median 12-month price target of $40, with estimates ranging from $20 to $61. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is UPST stock a buy right now?

Of the 15 analysts covering Upstart Holdings, Inc., 8 rate it a Buy, 6 a Hold and 1 a Sell. Ticker Nerd's systematic factor model ranks Upstart Holdings, Inc. 24 out of 100 across roughly 4,600 US stocks as at 8 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank UPST?

As at 8 Aug 2026, Upstart Holdings, Inc. ranks 24 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Quality (85 of 100).

Will UPST stock go up?

No one can know that. What the data says: the median 12-month target from 15 analysts implies +32.4% from the last close, and Ticker Nerd's factor model ranks Upstart Holdings, Inc. 24 out of 100 as at 8 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the UPST stock forecast for 2030?

No analyst covering Upstart Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for UPST are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $20 to $61 over the next 12 months.

How has UPST stock performed over the past year?

Upstart Holdings, Inc. returned -56.1% over the 12 months to 10 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Upstart Holdings, Inc. do?

Upstart Holdings, Inc. is a financial technology company that provides credit services through a proprietary, cloud-based artificial intelligence lending platform.

What is the latest news on UPST?

The most recent item we track (The Motley Fool, 9 Aug 2026): "Why Upstart Stock Plunged 23% in July". Upstart's stock plunged 23% in July, weighed down by high interest rates and concerns about software-as-a-service stocks amid the agentic AI era. This decline came despite solid second-quarter results, which included a 42% year-over-year increase in revenue and positive net income.

Company

About Upstart Holdings, Inc.

Upstart Holdings, Inc. is a financial technology company that provides credit services through a proprietary, cloud-based artificial intelligence lending platform. Its core function is to use machine learning models to help banks and other lending partners assess consumer creditworthiness beyond traditional credit scores, aiming to better align loan pricing with individual risk profiles. Upstart’s platform aggregates consumer demand for loans and connects these borrowers to a network of AI-enabled bank partners, with revenue primarily generated from fees paid by these institutions for loan referrals, platform usage, and servicing. The company operates across three main segments: Personal Lending, covering unsecured personal and small-dollar loans; Auto Lending, including auto refinance, auto retail, and auto-secured personal loans; and Other, which encompasses home equity lines of credit and additional lending products. Founded in 2013 and headquartered in San Mateo, California, Upstart Holdings, Inc. plays a specialized role in the credit services and financial services sectors by providing technology-driven underwriting and loan origination infrastructure to financial institutions.

CEO Mr. Paul Gu · 1,405 employees · United States · https://www.upstart.com