Upstart (UPST) Stock Forecast, Price Target & Predictions
UPST Stock Forecast
Upstart stock forecast is as follows: an average price target of $36.82 (represents a -22.06% downside from UPST’s last price of $47.24) and a rating consensus of 'Hold', based on 15 wall street analysts offering a 1-year stock forecast.
UPST Price Target
The average price target for Upstart (UPST) is $36.82 based on 1-year price targets from 15 Wall Street analysts in the past 3 months, with a price target range of $85.00 to $12.00. This represents a potential -22.06% downside from UPST's last price of $47.24.
UPST Analyst Ratings
According to 15 Wall Street analysts, Upstart's rating consensus is 'Hold'. The analyst rating breakdown for UPST stock is 0 'Strong Buy' (0.00%), 3 'Buy' (20.00%), 7 'Hold' (46.67%), 5 'Sell' (33.33%), 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 |
|---|---|---|---|---|---|---|
| Oct 14, 2024 | David Chiaverini | Wedbush | $45.00 | $54.07 | -16.77% | -4.74% |
| Sep 20, 2024 | Dan Dolev | Mizuho Securities | $48.00 | $40.00 | 20.00% | 1.61% |
| Aug 12, 2024 | Ramsey El-Assal | Barclays | $35.00 | $36.25 | -3.45% | -25.91% |
| Aug 07, 2024 | Arvind Ramnani | Piper Sandler | $31.00 | $33.30 | -6.91% | -34.38% |
| Aug 07, 2024 | Peter Christiansen | Citigroup | $33.00 | $33.30 | -0.90% | -30.14% |
| Jul 31, 2024 | Dan Dolev | Mizuho Securities | $31.00 | $26.03 | 19.09% | -34.38% |
| May 09, 2024 | Dan Dolev | Mizuho Securities | $17.00 | $23.11 | -26.44% | -64.01% |
| Feb 14, 2024 | Arvind Ramnani | Piper Sandler | $24.00 | $26.46 | -9.30% | -49.20% |
| Feb 14, 2024 | Michael Ng | Goldman Sachs | $12.00 | $26.46 | -54.65% | -74.60% |
| May 10, 2023 | David Chiaverini | Wedbush | $10.00 | $18.75 | -46.67% | -78.83% |
The latest Upstart stock forecast, released on Oct 14, 2024 by David Chiaverini from Wedbush, set a price target of $45.00, which represents a -16.77% decrease from the stock price at the time of the forecast ($54.07), and a -4.74% decrease from UPST last price ($47.24).
Upstart Price Target by Period
| 1M | 3M | 12M | |
|---|---|---|---|
| # Anlaysts | 1 | 5 | 9 |
| Avg Price Target | $45.00 | $38.40 | $30.67 |
| Last Closing Price | $47.24 | $47.24 | $47.24 |
| Upside/Downside | -4.74% | -18.71% | -35.08% |
In the current month, the average price target of Upstart stock is $45.00, according to 1 Wall Street analyst offering twelve months forecast. The average price target represents a -4.74% decrease as opposed to Upstart's last price of $47.24. This month's average price target is up 17.19% compared to last quarter, and up 46.72% compared to last year.
Analyst Ratings Upgrades/Downgrades
| Date | Company | Previous Rating | New Rating | Rating Change |
|---|---|---|---|---|
| Oct 18, 2024 | Citigroup | Buy | Buy | Hold |
| Oct 14, 2024 | Piper Sandler | Underperform | Underperform | Hold |
| Oct 14, 2024 | Wedbush | Equal-Weight | Equal-Weight | 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 |
| Aug 12, 2024 | Barclays | Equal-Weight | Equal-Weight | Hold |
| Aug 07, 2024 | Goldman Sachs | Sell | Sell | Hold |
| Aug 07, 2024 | J.P. Morgan | Underweight | Underweight | Hold |
Upstart's last stock rating was published by Citigroup on Oct 18, 2024. The company gave UPST a "Buy" rating, the same as its previous rate.
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 | $227.10M | $214.87M | $206.23M | $192.04M | $194.35M | $182.59M | $178.39M | $168.52M | $162.26M | $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 | $227.10M | $214.87M | $206.23M | $192.04M | $194.35M | $182.59M | $178.39M | $168.52M | $162.26M | $150.16M | $124.55M | $125.06M | $135.29M | $145.39M | $135.21M | $99.72M | $133.61M | $169.44M | $241.63M | $300.13M | $262.86M | $214.88M | $157.75M | $115.64M | $73.68M |
| Low Forecast | $227.10M | $214.87M | $206.23M | $192.04M | $194.35M | $182.59M | $178.39M | $168.52M | $162.26M | $148.39M | $124.55M | $125.03M | $134.55M | $137.42M | $135.21M | $99.72M | $133.61M | $169.44M | $241.63M | $300.13M | $262.86M | $214.88M | $157.75M | $115.64M | $73.68M |
| # Analysts | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 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 | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 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 | $-7.54M | $-7.13M | $-6.85M | $-6.38M | $-6.45M | $-6.06M | $-5.92M | $-5.60M | $-5.39M | $-4.96M | $-4.14M | $-2.33M | $-4.48M | $-4.64M | $-4.49M | $-2.12M | $95.18M | $-5.63M | $-8.02M | $-1.93M | $-8.73M | $-7.13M | $-5.24M | $7.14M | $-2.45M |
| High Forecast | $-7.54M | $-7.13M | $-6.85M | $-6.38M | $-6.45M | $-6.06M | $-5.92M | $-5.60M | $-5.39M | $-4.93M | $-4.14M | $-1.87M | $-4.47M | $-4.56M | $-4.49M | $-1.70M | $114.22M | $-5.63M | $-8.02M | $-1.54M | $-8.73M | $-7.13M | $-5.24M | $8.57M | $-2.45M |
| Low Forecast | $-7.54M | $-7.13M | $-6.85M | $-6.38M | $-6.45M | $-6.06M | $-5.92M | $-5.60M | $-5.39M | $-4.99M | $-4.14M | $-2.80M | $-4.49M | $-4.83M | $-4.49M | $-2.54M | $76.15M | $-5.63M | $-8.02M | $-2.31M | $-8.73M | $-7.13M | $-5.24M | $5.71M | $-2.45M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 8.58% | - | 5.28% | 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 | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 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 | $18.93M | $10.08M | $4.85M | $4.97M | $9.04M | $4.91M | $2.70M | $-3.56M | $-3.82M | $-12.99M | $-34.72M | $-2.98M | $-12.51M | $-1.70M | $-6.06M | $-2.71M | $90.05M | $-7.29M | $5.96M | $-2.46M | $44.93M | $29.58M | $21.77M | $5.93M | $1.14M |
| High Forecast | $18.93M | $10.08M | $4.85M | $4.97M | $9.04M | $4.91M | $2.70M | $-3.56M | $-3.82M | $-11.14M | $-34.72M | $-2.38M | $-6.67M | $-1.70M | $-6.06M | $-2.17M | $108.06M | $-7.29M | $5.96M | $-1.97M | $44.93M | $29.58M | $21.77M | $7.11M | $1.14M |
| Low Forecast | $18.93M | $10.08M | $4.85M | $4.97M | $9.04M | $4.91M | $2.70M | $-3.56M | $-3.82M | $-14.85M | $-34.72M | $-3.57M | $-14.18M | $-1.70M | $-6.06M | $-3.25M | $72.04M | $-7.29M | $5.96M | $-2.95M | $44.93M | $29.58M | $21.77M | $4.74M | $1.14M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 3.39% | - | 4.65% | 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 | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 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 | $150.76M | $142.64M | $136.91M | $127.49M | $129.02M | $121.21M | $118.43M | $111.88M | $107.72M | $99.13M | $82.68M | $83.01M | $89.51M | $92.73M | $89.76M | $66.20M | $88.70M | $112.49M | $160.41M | $113.22M | $174.51M | $142.65M | $104.73M | $50.91M | $48.91M |
| High Forecast | $150.76M | $142.64M | $136.91M | $127.49M | $129.02M | $121.21M | $118.43M | $111.88M | $107.72M | $99.69M | $82.68M | $83.03M | $89.81M | $96.52M | $89.76M | $66.20M | $88.70M | $112.49M | $160.41M | $135.86M | $174.51M | $142.65M | $104.73M | $61.10M | $48.91M |
| Low Forecast | $150.76M | $142.64M | $136.91M | $127.49M | $129.02M | $121.21M | $118.43M | $111.88M | $107.72M | $98.51M | $82.68M | $83.00M | $89.32M | $91.23M | $89.76M | $66.20M | $88.70M | $112.49M | $160.41M | $90.58M | $174.51M | $142.65M | $104.73M | $40.73M | $48.91M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 1.36% | - | 1.24% | 1.88% | 1.59% | 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 $83.01M, based on 3 Wall Street analysts, with a range of $83.00M to $83.03M. The forecast indicates a -31.71% 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 | 5 | 4 | 5 | 4 | 4 | 3 | 4 | 3 | 5 | 8 | 5 | 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 | $0.21 | $0.11 | $0.05 | $0.06 | $0.10 | $0.06 | $0.03 | $-0.04 | $-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 | $0.21 | $0.11 | $0.05 | $0.06 | $0.10 | $0.06 | $0.03 | $-0.04 | $-0.04 | $-0.13 | $-0.39 | $-0.37 | $-0.08 | $-0.02 | $-0.07 | $-0.75 | $-0.47 | $-0.08 | $0.07 | $0.53 | $0.51 | $0.33 | $0.25 | $0.15 | $0.01 |
| Low Forecast | $0.21 | $0.11 | $0.05 | $0.06 | $0.10 | $0.06 | $0.03 | $-0.04 | $-0.04 | $-0.17 | $-0.39 | $-0.37 | $-0.16 | $-0.02 | $-0.07 | $-0.75 | $-0.47 | $-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
| Ticker | Company | Last Closing Price | Avg Price Target | Upside/Downside | Avg Rating |
|---|---|---|---|---|---|
| PYPL | PayPal | $78.13 | $108.78 | 39.23% | Buy |
| ALLY | Ally Financial | $34.25 | $45.47 | 32.76% | Buy |
| COF | Capital One Financial | $161.28 | $169.68 | 5.21% | Hold |
| V | Visa | $291.85 | $295.63 | 1.30% | Buy |
| MA | Mastercard | $505.58 | $477.03 | -5.65% | Buy |
| SOFI | SoFi | $10.91 | $10.07 | -7.70% | Hold |
| AXP | American Express Company | $270.19 | $212.71 | -21.27% | Hold |
| UPST | Upstart | $47.24 | $36.82 | -22.06% | Hold |
UPST Forecast FAQ
Is Upstart a good buy?
No, according to 15 Wall Street analysts, Upstart (UPST) is considered a 'Hold'. The rating consensus is based on 0 'Strong Buy' and 3 'Buy' recommendations, accounting for 20.00% of UPST's total ratings.
What is UPST's price target?
Upstart (UPST) average price target is $36.82 with a range of $12 to $85, implying a -22.06% from its last price of $47.24. The data is based on 15 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 -22.06% (from the last price of $47.24 to the average price target of $36.82), up by 79.93% based on the highest stock price target, and down by -74.60% based on the lowest stock price target.
Can Upstart stock reach $70?
UPST's highest twelve months analyst stock price target of $85 supports the claim that Upstart can reach $70 in the near future.
What is Upstart's current price target trend?
1 Wall Street analyst forecast a $45 price target for Upstart (UPST) this month, down -4.74% from its last price of $47.24. Compared to the last 3 and 12 months, the average price target decreased by -18.71% and decreased by -35.08%, respectively.
What are Upstart's analysts' financial forecasts?
Upstart's analysts financial forecasts for the fiscal year (Dec 2025) are as follows: average revenue is $723.85M (high $723.85M, low $723.85M), average EBITDA is $-24.033M (high $-24.033M, low $-24.033M), average net income is $13.1M (high $13.1M, low $13.1M), average SG&A $480.54M (high $480.54M, low $480.54M), and average EPS is $0.148 (high $0.148, low $0.148). UPST's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $840.23M (high $840.23M, low $840.23M), average EBITDA is $-27.897M (high $-27.897M, low $-27.897M), average net income is $38.82M (high $38.82M, low $38.82M), average SG&A $557.81M (high $557.81M, low $557.81M), and average EPS is $0.439 (high $0.439, low $0.439).
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 $-15.723M by 1373.12%. The company's net income was $-240M, beating the average estimation of $-22.976M by 945.15%. Apple's SG&A was $465.05M, beating the average forecast of $338.21M by 37.50%. 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 $-4.477M by 757.76%. Upstart's net income was $-42.398M, beating the average estimation of $-12.507M by 238.98%. The company's SG&A was $121.56M, beating the average forecast of $89.51M by 35.80%. Lastly, the company's EPS was $-0.495, beating the average prediction of $-0.141 by 250.35%