UPSTFinancial Services · Credit ServicesThe 15 Wall Street analysts covering Upstart Holdings, Inc. hold a median 12-month price target of $40 — +73.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 27 of 100 as at 1 Oct 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Quality (87): The business earns solid, repeatable profits on what it owns.
Momentum (7): The shares have been drifting down relative to others.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on UPST, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +73.2% from it.
Of the 20 most recent actions, 4 moved their price target up and 1 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 22 Sept 2026 | BTIG | Reiterates | Buy | $43 |
| 9 Sept 2026 | Loop Capital | Initiates | Hold | $34 |
| 9 Sept 2026 | Loop Capital | Initiates | Hold | — |
| 5 Aug 2026 | BTIG | Reiterates | Buy | $43 |
| 5 Aug 2026 | BTIG | Reiterates | Buy | — |
| 5 Aug 2026 | Needham | Maintains | Buy | — |
| 5 Aug 2026 | Needham | Maintains | Buy | $40 → $42 |
| 5 Aug 2026 | Piper Sandler | Maintains | Overweight | $46 → $51 |
| 5 Aug 2026 | Piper Sandler | Maintains | Overweight | — |
| 22 July 2026 | Citigroup | Maintains | Buy | $80 → $61 |
| 22 July 2026 | Citigroup | Maintains | Buy | — |
| 9 July 2026 | Goldman Sachs | Maintains | Neutral | $32 → $39 |
| 9 July 2026 | Goldman Sachs | Maintains | Neutral | — |
| 7 July 2026 | BTIG | Reiterates | Buy | — |
| 7 July 2026 | BTIG | Reiterates | Buy | $43 |
| 7 July 2026 | Needham | Maintains | Buy | — |
| 7 July 2026 | Needham | Maintains | Buy | $37 → $40 |
| 15 June 2026 | Needham | Reiterates | Buy | — |
| 6 May 2026 | BTIG | Reiterates | Buy | — |
| 6 May 2026 | Needham | Maintains | Buy | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
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.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 2 Oct 2026, Upstart Holdings, Inc. returned −56.9% against +15.4% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 16% of US stocks
Cheaper than 55% of US stocks
Cheaper than 33% of US stocks
Cheaper than 8% of US stocks
Higher than 84% of US stocks
Higher than 90% of US stocks
Higher than 59% of US stocks
Higher than 59% of US stocks
Higher than 59% of US stocks
Higher than 58% of US stocks
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Upstart Holdings, Inc. has a market value of $2.2B and an enterprise value of $3.8B.
Revenue in the twelve months to 30 June 2026: $1.2B. The latest quarter grew 42.3% year on year.
Net income over the same four quarters: $60.3M, a 4.9% net margin.
Diluted earnings per share, trailing twelve months: $0.49.
Free cash flow in the twelve months to 30 June 2026: −$305.1M, after $16.1M of capital spending.
Trailing P/E: 44.2×; forward P/E: 6.6× — the forward figure prices analyst consensus estimates, not reported earnings.
Upstart Holdings, Inc. employs 1,405 people — $873K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Upstart Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Zacks.com reports that Upstart (UPST) is among the stocks most watched by users on its site recently. The article discusses what lies ahead for the company's stock based on this investor attention.
Why it matters — The piece highlights growing investor interest in Upstart, offering watchers a look at what may be driving attention and what could lie ahead.
KBRA assigned preliminary ratings to five classes of notes issued by Upstart Securitization Trust 2026-4, a $400 million consumer loan ABS securitization collateralized by unsecured consumer loans and auto secured personal loans originated through Upstart's online platform. This represents the 52nd ABS securitization backed by loans originated through the platform operated by Upstart Network, Inc., a wholly owned subsidiary.
Why it matters — This marks another milestone in Upstart's securitization activity, reflecting continued access to capital markets funding for loans originated through its platform.
Zacks Investment Research compares PayPal and Upstart as fintech investments, contrasting PayPal's Venmo growth and cost savings with Upstart's AI-driven lending gains, rising originations, and ongoing credit-market risks.
Why it matters — A UPST watcher would care because the comparison highlights both the company's lending growth strengths and the credit-market risks that continue to weigh on its outlook.
MarketBeat published an article discussing niche growth stocks, focusing on how investors identify companies with a competitive moat in smaller, specialized industries where the competitive landscape differs and profitable niches may be easier to find. The piece highlights three companies with advantages their rivals cannot easily ignore.
Why it matters — UPST watchers may be interested in the article because it discusses the competitive-moat framework used to evaluate growth stocks, which can be applied when assessing Upstart's positioning in the specialized lending technology space.
The Motley Fool examines Upstart, an AI-powered lender that prices loans but does not hold them on its balance sheet, instead syndicating them to third parties. The article raises the question of how this business model will affect the stock in a downturn.
Why it matters — UPST watchers would care because the company's reliance on syndicating loans rather than holding them could shape how it performs in an economic downturn.
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.
Of the 15 analysts covering Upstart Holdings, Inc., 7 rate it a Buy, 7 a Hold and 1 a Sell. Ticker Nerd's systematic factor model ranks Upstart Holdings, Inc. 27 out of 100 across roughly 4,600 US stocks as at 1 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 1 Oct 2026, Upstart Holdings, Inc. ranks 27 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 (87 of 100).
No one can know that. What the data says: the median 12-month target from 15 analysts implies +73.2% from the last close, and Ticker Nerd's factor model ranks Upstart Holdings, Inc. 27 out of 100 as at 1 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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.
Upstart Holdings, Inc. returned -56.9% over the 12 months to 2 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Upstart Holdings Inc. is a financial technology company that operates a cloud-based artificial intelligence lending platform.
The most recent item we track (Zacks Investment Research, 30 Sept 2026): "Upstart Holdings, Inc. (UPST) is Attracting Investor Attention: Here is What You Should Know". Zacks.com reports that Upstart (UPST) is among the stocks most watched by users on its site recently. The article discusses what lies ahead for the company's stock based on this investor attention.
Upstart Holdings Inc. is a financial technology company that operates a cloud-based artificial intelligence lending platform. Its core business connects consumers seeking credit with bank and credit union partners, using AI models to help assess creditworthiness and support loan decisions. The platform spans personal lending, auto lending, and other credit products, including unsecured personal loans, small-dollar loans, auto refinance, auto retail loans, auto secured personal loans, and home equity lines of credit. Upstart Holdings Inc. serves as a technology-enabled marketplace for consumer credit, combining underwriting automation with lender distribution across multiple lending categories. Headquartered in San Mateo, California, and founded in 2012, the company plays a role in modern consumer lending by providing data-driven tools that streamline credit access and loan origination for its financial institution partners.
CEO Mr. Paul Gu · 1,405 employees · United States · https://www.upstart.com
