UPSTFinancial Services · Credit ServicesThe 16 Wall Street analysts covering Upstart Holdings, Inc. hold a median 12-month price target of $40 — +63.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 27 of 100 as at 10 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 +63.9% 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 9 Oct 2026, Upstart Holdings, Inc. returned −54.0% against +17.3% 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 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: 48.2×; forward P/E: 6.9× — 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 →
Upstart expanded its credit union network through a partnership with Credit Union of Denver, which is using Upstart’s AI-powered marketplace to broaden access to affordable personal loans.
Why it matters — The partnership adds to Upstart’s credit union network and highlights another use of its marketplace for personal lending.
Seeking Alpha introduced 38 new analysts in September 2026 and featured their top picks and investment strategies. Highlighted ideas include Qualcomm, Teladoc, NewLake Capital Partners, and the TDAQ ETF.
Why it matters — The article does not mention Upstart, but it provides context on other investment ideas featured by Seeking Alpha's new analysts.
Credit Union of Denver has partnered with Upstart to expand access to personal lending.
Why it matters — The partnership is relevant to UPST watchers because it adds a credit union partnership focused on personal lending.
Upstart Holdings, Inc. (UPST) closed at $23.86, down 2.01% from the preceding trading day, while the market gained.
Why it matters — The report notes UPST’s daily decline despite broader market gains, a point of interest for investors tracking its trading performance.
Upstart said it will announce its third-quarter 2026 results on November 3, 2026.
Why it matters — The announcement gives UPST watchers the date when the company plans to report its quarterly results.
The 16 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 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 10 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 10 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 +63.9% from the last close, and Ticker Nerd's factor model ranks Upstart Holdings, Inc. 27 out of 100 as at 10 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 -54.0% over the 12 months to 9 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, 8 Oct 2026): "Upstart Expands Credit Union Network With Denver Partnership". Upstart expanded its credit union network through a partnership with Credit Union of Denver, which is using Upstart’s AI-powered marketplace to broaden access to affordable personal loans.
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
