Upstart (UPST) Stock Forecast, Price Target & Predictions
UPST Stock Forecast
Upstart stock forecast is as follows: an average price target of $40.68 (represents a -43.05% downside from UPST’s last price of $71.43) 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 $40.68 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 $12.00. This represents a potential -43.05% downside from UPST's last price of $71.43.
UPST Analyst Ratings
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
| Date | Analyst | Company | Price Target | Price when Published | Price Target/Price when Published | Price Target/Last Closing Price |
|---|---|---|---|---|---|---|
| Nov 08, 2024 | Arvind Ramnani | Piper Sandler | - | - | 53.24% | 19.00% |
| Oct 14, 2024 | David Chiaverini | Wedbush | - | - | -16.77% | -37.00% |
| Sep 20, 2024 | Dan Dolev | Mizuho Securities | - | - | 20.00% | -32.80% |
| Aug 12, 2024 | Ramsey El-Assal | Barclays | - | - | -3.45% | -51.00% |
| Aug 07, 2024 | Arvind Ramnani | Piper Sandler | - | - | -6.91% | -56.60% |
| Aug 07, 2024 | Peter Christiansen | Citigroup | - | - | -0.90% | -53.80% |
| Jul 31, 2024 | Dan Dolev | Mizuho Securities | - | - | 19.09% | -56.60% |
| May 09, 2024 | Dan Dolev | Mizuho Securities | - | - | -26.44% | -76.20% |
| Feb 14, 2024 | Arvind Ramnani | Piper Sandler | - | - | -9.30% | -66.40% |
| Feb 14, 2024 | Michael Ng | Goldman Sachs | - | - | -54.65% | -83.20% |
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 19.00% increase from UPST last price ($71.43).
Upstart Price Target by Period
| 1M | 3M | 12M | |
|---|---|---|---|
| # Anlaysts | 1 | 3 | 10 |
| Avg Price Target | $85.00 | $59.33 | $36.10 |
| Last Closing Price | $71.43 | $71.43 | $71.43 |
| Upside/Downside | 19.00% | -16.94% | -49.46% |
In the current month, the average price target of Upstart stock is $85.00, according to 1 Wall Street analyst offering twelve months forecast. The average price target represents a 19.00% increase as opposed to Upstart's last price of $71.43. This month's average price target is up 43.27% compared to last quarter, and up 135.46% compared to last year.
Analyst Ratings Upgrades/Downgrades
| Date | Company | Previous Rating | New Rating | Rating Change |
|---|---|---|---|---|
| Nov 11, 2024 | BTIG | Sell | Neutral | Upgrade |
| Nov 08, 2024 | Citigroup | Buy | Buy | Upgrade |
| Nov 08, 2024 | Piper Sandler | Underperform | Overweight | Upgrade |
| Oct 18, 2024 | Citigroup | Buy | Buy | Hold |
| Oct 14, 2024 | Wedbush | Equal-Weight | Equal-Weight | Hold |
| Oct 14, 2024 | Piper Sandler | Underperform | Underperform | Hold |
| Oct 14, 2024 | Wedbush | Equal-Weight | Neutral | Upgrade |
| Sep 20, 2024 | Wedbush | Equal-Weight | Equal-Weight | Hold |
| Aug 20, 2024 | Piper Sandler | Underperform | Underperform | Hold |
| Aug 20, 2024 | Wedbush | Equal-Weight | Equal-Weight | Hold |
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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 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 | $277.07M | $258.24M | $234.78M | $219.62M | $225.25M | $215.26M | $196.98M | $184.14M | $182.08M | $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 | $310.84M | $289.72M | $263.39M | $246.39M | $252.70M | $241.49M | $220.98M | $202.43M | $182.77M | $149.37M | $124.55M | $125.06M | $135.29M | $145.39M | $151.69M | $111.88M | $149.89M | $169.44M | $241.63M | $300.13M | $262.86M | $214.88M | $157.75M | $115.64M | $73.68M |
| Low Forecast | $247.18M | $230.38M | $209.45M | $195.93M | $200.95M | $192.04M | $175.73M | $153.67M | $181.81M | $149.28M | $124.55M | $125.03M | $134.55M | $137.42M | $120.63M | $88.97M | $119.20M | $169.44M | $241.63M | $300.13M | $262.86M | $214.88M | $157.75M | $115.64M | $73.68M |
| # Analysts | 3 | 3 | 4 | 5 | 4 | 5 | 2 | 7 | 8 | 4 | 3 | 3 | 6 | 11 | 5 | 9 | 5 | 4 | 4 | 7 | 5 | 5 | 10 | 7 | 5 |
| 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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 4 | 5 | 4 | 5 | 2 | 7 | 8 | 4 | 3 | 3 | 6 | 11 | 5 | 9 | 5 | 4 | 4 | 7 | 5 | 5 | 10 | 7 | 5 |
| 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 | $-15.99M | $-14.54M | $-13.60M | $-13.95M | $-13.33M | $-12.20M | $-11.40M | $-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 | $-15.31M | $-14.27M | $-12.97M | $-12.13M | $-12.45M | $-11.89M | $-10.88M | $-9.52M | $-11.26M | $-9.25M | $-7.71M | $-1.87M | $-8.33M | $-8.51M | $-7.47M | $-1.70M | $114.22M | $-5.63M | $-8.02M | $-1.54M | $-8.73M | $-7.13M | $-5.24M | $8.57M | $-2.45M |
| Low Forecast | $-19.25M | $-17.94M | $-16.31M | $-15.26M | $-15.65M | $-14.96M | $-13.69M | $-12.54M | $-11.32M | $-9.25M | $-7.71M | $-2.80M | $-8.38M | $-9.00M | $-9.40M | $-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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 4 | 5 | 4 | 5 | 2 | 7 | 8 | 4 | 3 | 3 | 6 | 11 | 5 | 9 | 5 | 4 | 4 | 7 | 5 | 5 | 10 | 7 | 5 |
| 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 | $41.40M | $21.41M | $11.88M | $22.26M | $18.60M | $5.58M | $-1.83M | $-2.44M | $-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 | $62.71M | $47.96M | $24.81M | $13.76M | $25.79M | $21.55M | $6.46M | $1.83M | $-2.01M | $-11.37M | $-30.42M | $-2.38M | $-6.80M | $-1.49M | $-5.31M | $-2.17M | $108.06M | $-7.29M | $5.96M | $-1.97M | $44.93M | $29.58M | $21.77M | $7.11M | $1.14M |
| Low Forecast | $46.54M | $35.59M | $18.41M | $10.21M | $19.14M | $15.99M | $4.80M | $-11.73M | $-2.87M | $-15.32M | $-40.98M | $-3.57M | $-14.45M | $-2.01M | $-7.15M | $-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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 4 | 5 | 4 | 5 | 2 | 7 | 8 | 4 | 3 | 3 | 6 | 11 | 5 | 9 | 5 | 4 | 4 | 7 | 5 | 5 | 10 | 7 | 5 |
| 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 | $170.39M | $158.82M | $144.39M | $135.06M | $138.52M | $132.38M | $121.14M | $113.25M | $111.98M | $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 | $191.16M | $178.17M | $161.98M | $151.53M | $155.41M | $148.52M | $135.90M | $124.49M | $112.40M | $91.86M | $76.60M | $76.91M | $83.20M | $89.41M | $93.29M | $68.80M | $92.18M | $112.49M | $160.41M | $135.86M | $174.51M | $142.65M | $104.73M | $61.10M | $48.91M |
| Low Forecast | $152.01M | $141.68M | $128.81M | $120.49M | $123.58M | $118.10M | $108.07M | $94.51M | $111.81M | $91.80M | $76.60M | $76.89M | $82.75M | $84.51M | $74.18M | $54.71M | $73.30M | $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 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 3 | 3 | 4 | 5 | 4 | 5 | 2 | 7 | 8 | 4 | 3 | 3 | 6 | 11 | 5 | 9 | 5 | 4 | 4 | 7 | 5 | 5 | 10 | 7 | 5 |
| 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 | $-0.03 | $-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 | $0.70 | $0.53 | $0.28 | $0.15 | $0.29 | $0.24 | $0.07 | $0.02 | $-0.02 | $-0.13 | $-0.34 | $-0.32 | $-0.08 | $-0.02 | $-0.06 | $-0.65 | $-0.41 | $-0.08 | $0.07 | $0.53 | $0.51 | $0.33 | $0.25 | $0.15 | $0.01 |
| Low Forecast | $0.52 | $0.39 | $0.20 | $0.11 | $0.21 | $0.18 | $0.05 | $-0.13 | $-0.03 | $-0.17 | $-0.45 | $-0.43 | $-0.16 | $-0.02 | $-0.08 | $-0.87 | $-0.55 | $-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).