UPSTFinancial Services · Credit ServicesThe 16 Wall Street analysts covering Upstart Holdings, Inc. hold a median 12-month price target of $39 — +61.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 27 of 100 as at 22 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 (8): 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 +61.9% from it.
Of the 20 most recent actions, 4 moved their price target up and 3 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 15 Oct 2026 | Citizens | Maintains | Market Underperform | $20 → $18 |
| 13 Oct 2026 | Goldman Sachs | Maintains | Neutral | $39 → $28 |
| 22 Sept 2026 | BTIG | Reiterates | Buy | — |
| 22 Sept 2026 | BTIG | Reiterates | Buy | $43 |
| 9 Sept 2026 | Loop Capital | Initiates | Hold | — |
| 9 Sept 2026 | Loop Capital | Initiates | Hold | $34 |
| 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 | — |
| 22 July 2026 | Citigroup | Maintains | Buy | $80 → $61 |
| 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 |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
UPST appears in the Radar 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 23 Oct 2026, Upstart Holdings, Inc. returned −54.4% against +14.3% for the S&P 500, dividends included.
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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 15% of US stocks
Cheaper than 54% of US stocks
Cheaper than 32% of US stocks
Cheaper than 7% of US stocks
Higher than 83% 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
Higher than 1% of US dividend payers
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 $2.3B and an enterprise value of $3.9B.
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: 47.4×; forward P/E: 6.6× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of 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 →
MIT Federal Credit Union expanded its partnership with Upstart into indirect auto lending.
Why it matters — The expanded partnership adds indirect auto lending to the stated scope of Upstart's relationship with MIT Federal Credit Union.
Upstart Holdings, Inc. (UPST) closed the latest trading day at $23.25, down 1.32% from its previous close.
Why it matters — UPST watchers may note the stock’s decline during the latest trading day.
Zacks Investment Research noted that Upstart Holdings (UPST) has recently drawn attention from users of Zacks.com and said the interest makes the stock worth examining.
Why it matters — UPST watchers may note the increased user attention, although the excerpt provides no additional information about the company or stock.
Zacks Investment Research says AI, blockchain and digital innovation are reshaping fintech, and highlights Robinhood, Block and Upstart as companies leveraging these trends.
Why it matters — The item places Upstart in the context of fintech companies using AI and digital innovation to support growth.
Upstart Holdings, Inc. (UPST) closed at $23.75 in the latest trading session, down 1.45% from the prior day. The headline characterizes the decline as more significant than the broader market.
Why it matters — UPST watchers may note the stock’s latest-session decline relative to the broader market.
The 16 Wall Street analysts covering Upstart Holdings, Inc. have a median 12-month price target of $39, with estimates ranging from $18 to $61. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 16 analysts covering Upstart Holdings, Inc., 8 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 22 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 22 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 16 analysts implies +61.9% from the last close, and Ticker Nerd's factor model ranks Upstart Holdings, Inc. 27 out of 100 as at 22 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: $18 to $61 over the next 12 months.
Upstart Holdings, Inc. returned -54.4% over the 12 months to 23 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 (Business Wire, 21 Oct 2026): "MIT Federal Credit Union Expands Partnership with Upstart into Indirect Auto Lending". MIT Federal Credit Union expanded its partnership with Upstart into indirect auto lending.
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
