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Upstart (UPST) Stock Forecast, Price Target & Predictions

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UPST Stock Forecast

Upstart stock forecast is as follows: an average price target of $49.20 (represents a -30.03% downside from UPST’s last price of $70.32) and a rating consensus of 'Hold', based on 16 wall street analysts offering a 1-year stock forecast.

UPST Price Target

The average price target for Upstart (UPST) is $49.20 based on 1-year price targets from 16 Wall Street analysts in the past 3 months, with a price target range of $85.00 to $33.00. This represents a potential -30.03% downside from UPST's last price of $70.32.

UPST Analyst Ratings

Hold

According to 16 Wall Street analysts, Upstart's rating consensus is 'Hold'. The analyst rating breakdown for UPST stock is 0 'Strong Buy' (0.00%), 4 'Buy' (25.00%), 8 'Hold' (50.00%), 4 'Sell' (25.00%), and 0 'Strong Sell' (0.00%).

Upstart Price Target by Analyst

DateAnalystCompanyPrice TargetPrice when PublishedPrice Target/Price when PublishedPrice Target/Last Closing Price
Nov 08, 2024Arvind RamnaniPiper Sandler$85.00$55.4753.24%20.88%
Oct 14, 2024David ChiaveriniWedbush$45.00$54.07-16.77%-36.01%
Sep 20, 2024Dan DolevMizuho Securities$48.00$40.0020.00%-31.74%
Aug 12, 2024Ramsey El-AssalBarclays$35.00$36.25-3.45%-50.23%
Aug 07, 2024Arvind RamnaniPiper Sandler$31.00$33.30-6.91%-55.92%
Aug 07, 2024Peter ChristiansenCitigroup$33.00$33.30-0.90%-53.07%
Jul 31, 2024Dan DolevMizuho Securities$31.00$26.0319.09%-55.92%
May 09, 2024Dan DolevMizuho Securities$17.00$23.11-26.44%-75.82%
Feb 14, 2024Michael NgGoldman Sachs$12.00$26.46-54.65%-82.94%
Feb 14, 2024Arvind RamnaniPiper Sandler$24.00$26.46-9.30%-65.87%
May 10, 2023David ChiaveriniWedbush$10.00$18.75-46.67%-85.78%
Feb 15, 2023Arvind RamnaniPiper Sandler$16.00$20.74-22.87%-77.25%
Feb 15, 2023Dan DolevMizuho Securities$16.00$20.74-22.87%-77.25%
Feb 15, 2023Hal GoestchLoop Capital Markets$24.00$21.5911.16%-65.87%
Oct 25, 2022Dan DolevBOCOM International Holdings Company$17.00$23.28-26.98%-75.82%
Aug 11, 2022Sam BougheddaBOCOM International Holdings Company$22.00$32.54-32.39%-68.71%
Aug 09, 2022James FaucetteRaymond James$15.00$29.05-48.36%-78.67%
Jul 26, 2022James FaucetteMorgan Stanley$15.50$22.59-31.39%-77.96%
Jul 17, 2022Ramsey El-AssalBarclays$25.00$25.73-2.84%-64.45%
Jul 16, 2022Shebly SeyrafiFBN Securities$40.00$25.7355.46%-43.12%
Jul 10, 2022Michael NgGoldman Sachs$14.00$27.09-48.32%-80.09%
Jun 29, 2022James FaucetteMorgan Stanley$19.00$35.85-47.00%-72.98%
May 13, 2022Simon ClinchAtlantic Equities$45.00$37.3020.64%-36.01%
May 13, 2022David ChiaveriniWedbush$20.00$32.78-38.99%-71.56%
May 10, 2022Shebly SeyrafiFBN Securities$80.00$33.61138.02%13.77%
May 10, 2022Ronald JoseyJMP Securities$70.00$77.13-9.24%-0.46%
May 04, 2022James FaucetteMorgan Stanley$88.00$90.57-2.84%25.14%
Apr 22, 2022Peter ChristiansenCitigroup$180.00$75.30139.04%155.97%
Apr 19, 2022John HechtJefferies$85.00$87.50-2.86%20.88%
Apr 16, 2022Shebly SeyrafiFBN Securities$150.00$82.6181.58%113.31%
Apr 10, 2022Hal GoetschLoop Capital Markets$140.00$91.1753.56%99.09%
Apr 02, 2022David ChiaveriniWedbush$75.00$109.03-31.21%6.66%
Mar 14, 2022Arvind RamnaniPiper Sandler$230.00$89.34157.44%227.08%
Dec 03, 2021Peter ChristiansenCitigroup$350.00$171.59103.97%397.72%

The latest Upstart stock forecast, released on Nov 08, 2024 by Arvind Ramnani from Piper Sandler, set a price target of $85.00, which represents a 53.24% increase from the stock price at the time of the forecast ($55.47), and a 20.88% increase from UPST last price ($70.32).

Upstart Price Target by Period

1M3M12M
# Anlaysts-310
Avg Price Target-$59.33$36.10
Last Closing Price$70.32$70.32$70.32
Upside/Downside-100.00%-15.63%-48.66%

In the current month, the average price target of Upstart stock is -, according to 0 Wall Street analyst offering twelve months forecast. The average price target represents a -100.00% decrease as opposed to Upstart's last price of $70.32. This month's average price target is down -100.00% compared to last quarter, and down -100.00% compared to last year.

Analyst Ratings Upgrades/Downgrades

DateCompanyPrevious RatingNew RatingRating Change
Nov 11, 2024BTIGSellNeutralUpgrade
Nov 08, 2024CitigroupBuyBuyUpgrade
Nov 08, 2024Piper SandlerUnderperformOverweightUpgrade
Oct 18, 2024CitigroupBuyBuyHold
Oct 14, 2024WedbushEqual-WeightEqual-WeightHold
Oct 14, 2024Piper SandlerUnderperformUnderperformHold
Oct 14, 2024WedbushEqual-WeightNeutralUpgrade
Sep 20, 2024WedbushEqual-WeightEqual-WeightHold
Aug 20, 2024Piper SandlerUnderperformUnderperformHold
Aug 20, 2024WedbushEqual-WeightEqual-WeightHold
Aug 12, 2024BarclaysEqual-WeightEqual-WeightHold
Aug 07, 2024Goldman SachsSellSellHold
Aug 07, 2024J.P. MorganUnderweightUnderweightHold
Aug 07, 2024JMP SecuritiesMarket PerformMarket PerformHold
Aug 07, 2024WedbushUnderperformUnderperformHold
Aug 07, 2024CitigroupNeutralMixedUpgrade
Aug 07, 2024Piper SandlerNeutralNeutralHold
Jul 31, 2024Mizuho SecuritiesUnderperformUnderperformHold
Jul 31, 2024WedbushNeutralNeutralHold
Jun 06, 2024BTIGBuySellInitialise
Jun 04, 2024Piper SandlerUnderperformUnderperformHold
Jun 04, 2024WedbushNeutralNeutralHold
May 09, 2024Sandler O'NeillUnderperformUnderperformHold
May 09, 2024WedbushNeutralNeutralHold
May 08, 2024NeedhamHoldHoldHold
Apr 04, 2024Sandler O'NeilUnderperformUnderperformHold
Mar 19, 2024Sandler O'NeillNeutralNeutralHold
Feb 14, 2024Goldman SachsSellSellHold
Feb 14, 2024WedbushUnderperformUnderperformHold
Jan 18, 2024WedbushNeutralNeutralHold
Jan 18, 2024Piper SandlerUnderperformUnderperformHold
Dec 04, 2023WedbushUnderperformUnderperformHold
Nov 08, 2023Piper SandlerNeutralNeutralHold
Sep 25, 2023NeedhamHoldInitialise
Jun 14, 2023BTIGBuyInitialise
May 10, 2023StephensUnderweightUnderweightHold
May 10, 2023Piper SandlerNeutralNeutralHold
May 10, 2023Morgan StanleyUnderweightUnderweightHold
Feb 15, 2023UBSNeutralUpgrade
Feb 15, 2023Piper SandlerNeutralNeutralHold
Dec 12, 2022StephensUnderperformUnderperformHold
Oct 25, 2022Mizuho SecuritiesUnderperformInitialise
Aug 11, 2022Atlantic EquitiesNeutralDowngrade
Aug 09, 2022Piper SandlerNeutralNeutralHold
Aug 09, 2022JMP SecuritiesMarket PerformMarket PerformHold
Aug 09, 2022StephensUnderweightUnderweightHold
Aug 09, 2022Morgan StanleyUnderweightUnderweightHold
Jul 16, 2022FBN SecuritiesOutperformOutperformHold
Jul 15, 2022Morgan StanleyUnderweightUnderweightHold
Jul 10, 2022Goldman SachsNeutralDowngrade
Jul 08, 2022JMP SecuritiesMarket OutperformMarket PerformDowngrade
Jun 29, 2022Morgan StanleyUnderweightEqual-WeightDowngrade
Jun 29, 2022Morgan StanleyEqual-WeightUnderweightDowngrade
May 10, 2022FBN SecuritiesOutperformOutperformHold
May 10, 2022Morgan StanleyEqual-WeightEqual-WeightHold
May 10, 2022StephensUnderweightDowngrade
May 10, 2022CitigroupBuyNeutralDowngrade
May 10, 2022Piper SandlerOverweightNeutralDowngrade
May 10, 2022WedbushUnderperformUnderperformHold
May 10, 2022CitigroupBuyBuyDowngrade
May 10, 2022JMP SecuritiesMarket OutperformMarket OutperformHold
Apr 24, 2022CitigroupBuyBuyHold
Apr 19, 2022JefferiesHoldHoldHold
Apr 15, 2022FBN SecuritiesOutperformInitialise
Apr 10, 2022Loop Capital MarketsBuyInitialise
Mar 14, 2022Piper SandlerOverweightOverweightHold
Dec 10, 2021Morgan StanleyEqual-WeightInitialise
May 12, 2021Piper SandlerOverweightOverweightHold

Upstart's last stock rating was published by BTIG on Nov 11, 2024. The company Upgrade its UPST rating from "Sell" to "Neutral".

Upstart Financial Forecast

Upstart Revenue Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20
Revenue------------$140.31M-$135.77M$102.93M$145.74M$157.23M$228.16M$310.14M$298.50M$227.70M$193.95M$121.33M$77.72M
Avg Forecast$277.04M$257.84M$235.08M$219.87M$225.25M$215.16M$196.98M$184.24M$182.07M$149.32M$124.55M$125.05M$134.83M$139.68M$135.21M$99.72M$133.61M$169.44M$241.63M$300.13M$262.86M$214.88M$157.75M$115.64M$73.68M
High Forecast$320.35M$298.15M$271.82M$254.24M$260.46M$248.79M$227.77M$203.43M$182.95M$149.37M$124.55M$125.06M$135.29M$145.39M$156.35M$115.31M$154.49M$169.44M$241.63M$300.13M$262.86M$214.88M$157.75M$115.64M$73.68M
Low Forecast$242.89M$226.05M$206.10M$192.76M$197.48M$188.63M$172.69M$153.61M$181.22M$149.28M$124.55M$125.03M$134.55M$137.42M$118.54M$87.43M$117.14M$169.44M$241.63M$300.13M$262.86M$214.88M$157.75M$115.64M$73.68M
# Analysts334545278433611595447551075
Surprise %------------1.04%-1.00%1.03%1.09%0.93%0.94%1.03%1.14%1.06%1.23%1.05%1.05%

Upstart's average Quarter revenue forecast for Mar 24 based on 3 analysts is $125.05M, with a low forecast of $125.03M, and a high forecast of $125.06M. UPST's average Quarter revenue forecast represents a -10.88% decrease compared to the company's last Quarter revenue of $140.31M (Dec 23).

Upstart EBITDA Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20
# Analysts334545278433611595447551075
EBITDA------------$-38.40M-$-23.72M$-131.84M$-46.73M$-49.44M$-24.18M$36.45M$62.30M$30.30M$39.78M$12.17M$3.12M
Avg Forecast$-17.16M$-15.97M$-14.56M$-13.62M$-13.95M$-13.33M$-12.20M$-11.41M$-11.28M$-9.25M$-7.71M$-2.33M$-8.35M$-8.65M$-8.37M$-2.12M$95.18M$-5.63M$-8.02M$-1.93M$-8.73M$-7.13M$-5.24M$7.14M$-2.45M
High Forecast$-15.04M$-14.00M$-12.76M$-11.94M$-12.23M$-11.68M$-10.70M$-9.51M$-11.22M$-9.25M$-7.71M$-1.87M$-8.33M$-8.51M$-7.34M$-1.70M$114.22M$-5.63M$-8.02M$-1.54M$-8.73M$-7.13M$-5.24M$8.57M$-2.45M
Low Forecast$-19.84M$-18.47M$-16.84M$-15.75M$-16.13M$-15.41M$-14.11M$-12.60M$-11.33M$-9.25M$-7.71M$-2.80M$-8.38M$-9.00M$-9.68M$-2.54M$76.15M$-5.63M$-8.02M$-2.31M$-8.73M$-7.13M$-5.24M$5.71M$-2.45M
Surprise %------------4.60%-2.83%62.19%-0.49%8.79%3.01%-18.92%-7.14%-4.25%-7.59%1.70%-1.27%

4 analysts predict UPST's average Quarter EBITDA for Jun 22 to be $-8.02M, with a high of $-8.02M and a low of $-8.02M. This is -122.01% lower than Upstart's previous annual EBITDA (Mar 22) of $36.45M.

Upstart Net Income Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20
# Analysts334545278433611595447551075
Net Income------------$-42.40M-$-28.16M$-129.25M$-55.26M$-56.22M$-29.87M$32.69M$58.94M$29.11M$37.28M$10.10M$1.03M
Avg Forecast$54.13M$41.03M$21.69M$12.13M$22.26M$18.53M$5.58M$-1.76M$-3.35M$-13.23M$-35.38M$-2.98M$-12.75M$-1.74M$-6.17M$-2.71M$90.05M$-7.29M$5.96M$-2.46M$44.93M$29.58M$21.77M$5.93M$1.14M
High Forecast$65.13M$49.36M$26.10M$14.59M$26.78M$22.29M$6.71M$2.11M$-2.01M$-11.11M$-29.71M$-2.38M$-6.80M$-1.46M$-5.18M$-2.17M$108.06M$-7.29M$5.96M$-1.97M$44.93M$29.58M$21.77M$7.11M$1.14M
Low Forecast$45.46M$34.45M$18.22M$10.18M$18.69M$15.56M$4.69M$-11.25M$-4.02M$-15.92M$-42.57M$-3.57M$-14.45M$-2.09M$-7.43M$-3.25M$72.04M$-7.29M$5.96M$-2.95M$44.93M$29.58M$21.77M$4.74M$1.14M
Surprise %------------3.33%-4.56%47.74%-0.61%7.72%-5.01%-13.28%1.31%0.98%1.71%1.70%0.90%

Upstart's average Quarter net income forecast for Jun 22 is $5.96M, with a range of $5.96M to $5.96M. UPST's average Quarter net income forecast represents a -81.77% decrease compared to the company's last Quarter net income of $32.69M (Mar 22).

Upstart SG&A Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20
# Analysts334545278433611595447551075
SG&A------------$121.56M-$111.14M$124.69M$141.38M$149.14M$203.22M$225.31M$197.94M$162.77M$126.22M$86.78M$62.17M
Avg Forecast$170.38M$158.57M$144.57M$135.22M$138.52M$132.32M$121.14M$113.31M$111.97M$91.83M$76.60M$76.90M$82.92M$85.90M$83.15M$61.33M$82.17M$112.49M$160.41M$113.22M$174.51M$142.65M$104.73M$50.91M$48.91M
High Forecast$197.01M$183.36M$167.17M$156.36M$160.18M$153.00M$140.07M$125.11M$112.52M$91.86M$76.60M$76.91M$83.20M$89.41M$96.15M$70.92M$95.01M$112.49M$160.41M$135.86M$174.51M$142.65M$104.73M$61.10M$48.91M
Low Forecast$149.37M$139.02M$126.75M$118.55M$121.45M$116.01M$106.20M$94.47M$111.45M$91.80M$76.60M$76.89M$82.75M$84.51M$72.90M$53.77M$72.04M$112.49M$160.41M$90.58M$174.51M$142.65M$104.73M$40.73M$48.91M
Surprise %------------1.47%-1.34%2.03%1.72%1.33%1.27%1.99%1.13%1.14%1.21%1.70%1.27%

Upstart's average Quarter SG&A projection for Mar 24 is $76.90M, based on 3 Wall Street analysts, with a range of $76.89M to $76.91M. The forecast indicates a -36.74% fall compared to UPST last annual SG&A of $121.56M (Dec 23).

Upstart EPS Forecast

Dec 26Sep 26Jun 26Mar 26Dec 25Sep 25Jun 25Mar 25Dec 24Sep 24Jun 24Mar 24Dec 23Sep 23Jun 23Mar 23Dec 22Sep 22Jun 22Mar 22Dec 21Sep 21Jun 21Mar 21Dec 20
# Analysts334545278433611595447551075
EPS------------$-0.50-$-0.34$-1.58$-0.67$-0.69$-0.36$0.39$0.71$0.37$0.49$0.14$0.04
Avg Forecast$0.60$0.46$0.24$0.13$0.25$0.21$0.06$-0.02$-0.04$-0.15$-0.39$-0.37$-0.14$-0.02$-0.07$-0.75$-0.47$-0.08$0.07$0.53$0.51$0.33$0.25$0.15$0.01
High Forecast$0.72$0.55$0.29$0.16$0.30$0.25$0.07$0.02$-0.02$-0.12$-0.33$-0.31$-0.08$-0.02$-0.06$-0.63$-0.40$-0.08$0.07$0.53$0.51$0.33$0.25$0.15$0.01
Low Forecast$0.50$0.38$0.20$0.11$0.21$0.17$0.05$-0.12$-0.04$-0.18$-0.47$-0.44$-0.16$-0.02$-0.08$-0.90$-0.57$-0.08$0.07$0.53$0.51$0.33$0.25$0.15$0.01
Surprise %------------3.50%-4.96%2.10%1.42%8.37%-5.34%0.74%1.40%1.11%1.99%0.94%3.08%

According to 4 Wall Street analysts, Upstart's projected average Quarter EPS for Jun 22 is $0.07, with a low estimate of $0.07 and a high estimate of $0.07. This represents a -82.72% decrease compared to UPST previous annual EPS of $0.39 (Mar 22).

Upstart Peer Comparison by Price Target

TickerCompanyLast Closing PriceAvg Price TargetUpside/DownsideAvg Rating
COFCapital One Financial$181.18$225.0024.19%Hold
ALLYAlly Financial$36.59$40.7511.37%Buy
MAMastercard$531.01$545.672.76%Buy
VVisa$318.30$326.312.52%Buy
PYPLPayPal$90.86$81.33-10.49%Buy
AXPAmerican Express Company$301.34$268.00-11.06%Hold
SOFISoFi$16.66$10.50-36.97%Hold
UPSTUpstart$82.99$49.20-40.72%Hold

UPST Forecast FAQ

Is Upstart a good buy?

No, according to 16 Wall Street analysts, Upstart (UPST) is considered a 'Hold'. The rating consensus is based on 0 'Strong Buy' and 4 'Buy' recommendations, accounting for 25.00% of UPST's total ratings.

What is UPST's price target?

Upstart (UPST) average price target is $49.2 with a range of $33 to $85, implying a -30.03% from its last price of $70.32. The data is based on 16 Wall Street analysts who provided a twelve-month price target estimate in the last three months.

Will Upstart stock go up soon?

According to Wall Street analysts' prediction for UPST stock, the company can go down by -30.03% (from the last price of $70.32 to the average price target of $49.2), up by 20.88% based on the highest stock price target, and down by -53.07% based on the lowest stock price target.

Can Upstart stock reach $110?

UPST's average twelve months analyst stock price target of $49.2 does not support the claim that Upstart can reach $110 in the near future.

What are Upstart's analysts' financial forecasts?

Upstart's analysts financial forecasts for the fiscal year (Dec 2025) are as follows: average revenue is $821.62M (high $940.45M, low $712.41M), average EBITDA is $-50.887M (high $-44.122M, low $-58.246M), average net income is $44.61M (high $57.9M, low $27.68M), average SG&A $505.29M (high $578.37M, low $438.12M), and average EPS is $0.495 (high $0.642, low $0.307). UPST's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $989.83M (high $1.14B, low $867.8M), average EBITDA is $-61.304M (high $-53.746M, low $-70.887M), average net income is $128.98M (high $155.19M, low $108.31M), average SG&A $608.74M (high $703.89M, low $533.69M), and average EPS is $1.43 (high $1.72, low $1.2).

Did the UPST's actual financial results beat the analysts' financial forecasts?

Based on Upstart's last annual report (Dec 2023), the company's revenue was $513.56M, beating the average analysts forecast of $509.45M by 0.81%. Apple's EBITDA was $-232M, beating the average prediction of $-27.496M by 742.39%. The company's net income was $-240M, beating the average estimation of $-23.362M by 927.88%. Apple's SG&A was $465.05M, beating the average forecast of $313.31M by 48.43%. Lastly, the company's EPS was $-2.867, beating the average prediction of $-0.98 by 192.52%. In terms of the last quarterly report (Dec 2023), Upstart's revenue was $140.31M, beating the average analysts' forecast of $134.83M by 4.07%. The company's EBITDA was $-38.398M, beating the average prediction of $-8.351M by 359.83%. Upstart's net income was $-42.398M, beating the average estimation of $-12.746M by 232.65%. The company's SG&A was $121.56M, beating the average forecast of $82.92M by 46.60%. Lastly, the company's EPS was $-0.495, beating the average prediction of $-0.141 by 250.35%