Upstart (UPST) Stock Forecast & Price Target

$64.68 +1.25 (+1.97%)

As of 04:00 PM Eastern

Upstart - Analysts' Recommendations and Stock Price Forecast (2025)

MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. Each analyst's rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst rating is derived from its calculated consensus ratings score (0 to .5 = Strong Sell, .5 to 1 = Sell, 1 to 1.5 = Reduce, 1.5 to 2.5 = Hold, 2.5 to 3.0 = Moderate Buy, 3.0 to 3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.

Consensus Rating

Hold

Based on 14 Analyst Ratings

Sell
1

Hold
8

Buy
5

Based on 14 Wall Street analysts who have issued ratings for Upstart in the last 12 months, the stock has a consensus rating of "Hold." Out of the 14 analysts, 1 has given a sell rating, 8 have given a hold rating, and 5 have given a buy rating for UPST.

Consensus Price Target

$67.42
4.24% Upside

According to the 14 analysts' twelve-month price targets for Upstart, the average price target is $67.42. The highest price target for UPST is $108.00, while the lowest price target for UPST is $16.50. The average price target represents a forecasted upside of 4.24% from the current price of $64.68.

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UPST Analyst Ratings Over Time

Type	Current Forecast 6/30/24 to 6/30/25	1 Month Ago 5/31/24 to 5/31/25	3 Months Ago 4/1/24 to 4/1/25	1 Year Ago 7/1/23 to 6/30/24
Strong Buy	0 Strong Buy rating(s)	0 Strong Buy rating(s)	0 Strong Buy rating(s)	0 Strong Buy rating(s)
Buy	5 Buy rating(s)	5 Buy rating(s)	5 Buy rating(s)	0 Buy rating(s)
Hold	8 Hold rating(s)	7 Hold rating(s)	7 Hold rating(s)	6 Hold rating(s)
Sell	1 Sell rating(s)	1 Sell rating(s)	2 Sell rating(s)	6 Sell rating(s)
Consensus Price Target	$67.42	$63.81	$73.38	$21.65
Forecasted Upside	4.24% Upside	36.72% Upside	59.53% Upside	-8.22% Downside
Consensus Rating	Hold	Hold	Hold	Reduce

UPST Analyst Recommendations By Month

The chart below shows how a company's ratings by analysts have changed over time. Each bar represents the previous year of ratings for that month. Within each bar, the sell ratings are shown in red, the hold ratings are shown in yellow, the buy ratings are shown in green, and the strong buy ratings are shown in dark green.

UPST Price Targets by Month

The chart below shows how a company's share price and consensus price target have changed over time. The dark blue line represents the company's actual price. The lighter blue line represents the stock's consensus price target. The even lighter blue range in the background of the two lines represents the low price target and the high price target for each stock.

Upstart Stock vs. The Competition

Type	Upstart	Finance Companies	S&P 500
Consensus Rating Score	2.29	2.53	2.53
Consensus Rating	Hold	Moderate Buy	Moderate Buy
Predicted Upside	3.44% Upside	27.04% Upside	12.57% Upside
News Sentiment Rating	Positive News See Recent UPST News	Positive News	Positive News

Recent Analyst Forecasts and Stock Ratings

Rating

Upside/Downside

Action

Time Frame

Start Date

End Date

Show

Export to Excel

Date	Brokerage	Analyst Name	Action	Rating	Price Target	Upside/Downside on Report Date
6/24/2025	Piper Sandler 2 of 5 stars	Patrick Moley Subscribe to MarketBeat All Access for the recommendation accuracy rating	Upgrade	Overweight	$75.00	+26.97%
6/12/2025	Stephens 4 of 5 stars	M. Roberts Subscribe to MarketBeat All Access for the recommendation accuracy rating	Initiated Coverage	Equal Weight	$55.00	-4.98%
5/19/2025	Needham & Company LLC 2 of 5 stars	K. Peterson Subscribe to MarketBeat All Access for the recommendation accuracy rating	Reiterated Rating	Buy ➝ Buy	$70.00 ➝ $70.00	+45.59%
5/12/2025	Barclays Subscribe to MarketBeat All Access for the recommendation accuracy rating	Ramsey El-Assal Subscribe to MarketBeat All Access for the recommendation accuracy rating	Boost Target	Equal Weight ➝ Equal Weight	$42.00 ➝ $47.00	-11.25%
5/8/2025	The Goldman Sachs Group Subscribe to MarketBeat All Access for the recommendation accuracy rating	Michael Ng Subscribe to MarketBeat All Access for the recommendation accuracy rating	Boost Target	Sell ➝ Sell	$15.00 ➝ $16.50	-66.61%
5/7/2025	Morgan Stanley Subscribe to MarketBeat All Access for the recommendation accuracy rating	James Faucette Subscribe to MarketBeat All Access for the recommendation accuracy rating	Lower Target	Equal Weight ➝ Equal Weight	$70.00 ➝ $50.00	-2.72%
4/29/2025	Bank of America Subscribe to MarketBeat All Access for the recommendation accuracy rating	Nat Schindler Subscribe to MarketBeat All Access for the recommendation accuracy rating	Upgrade	Underperform ➝ Neutral	$53.00 ➝ $53.00	+10.19%
2/13/2025	Citigroup Subscribe to MarketBeat All Access for the recommendation accuracy rating	P. Christiansen Subscribe to MarketBeat All Access for the recommendation accuracy rating	Boost Target	Neutral ➝ Neutral	$87.00 ➝ $108.00	+23.52%
2/12/2025	JPMorgan Chase & Co. Subscribe to MarketBeat All Access for the recommendation accuracy rating	Reginald Smith Subscribe to MarketBeat All Access for the recommendation accuracy rating	Upgrade	Underweight ➝ Neutral	$57.00 ➝ $79.00	+17.32%
2/12/2025	B. Riley Subscribe to MarketBeat All Access for the recommendation accuracy rating	Hal Goetsch Subscribe to MarketBeat All Access for the recommendation accuracy rating	Upgrade	Neutral ➝ Buy	$49.00 ➝ $105.00	+55.93%
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12/3/2024	Redburn Atlantic Subscribe to MarketBeat All Access for the recommendation accuracy rating	S. Clinch Subscribe to MarketBeat All Access for the recommendation accuracy rating	Upgrade	Neutral ➝ Buy	$37.00 ➝ $95.00	+40.97%
12/2/2024	Wedbush Subscribe to MarketBeat All Access for the recommendation accuracy rating	D. Chiaverini Subscribe to MarketBeat All Access for the recommendation accuracy rating	Boost Target	Neutral ➝ Neutral	$60.00 ➝ $75.00	+8.89%
11/11/2024	BTIG Research Subscribe to MarketBeat All Access for the recommendation accuracy rating	V. Caintic Subscribe to MarketBeat All Access for the recommendation accuracy rating	Upgrade	Sell ➝ Neutral
9/20/2024	Mizuho Subscribe to MarketBeat All Access for the recommendation accuracy rating	D. Dolev Subscribe to MarketBeat All Access for the recommendation accuracy rating	Boost Target	Outperform ➝ Outperform	$33.00 ➝ $48.00	+20.57%
4/17/2024	JMP Securities Subscribe to MarketBeat All Access for the recommendation accuracy rating		Reiterated Rating	Market Perform
8/23/2023	Compass Point Subscribe to MarketBeat All Access for the recommendation accuracy rating		Boost Target	Sell ➝ Sell	$8.00 ➝ $9.00	-72.37%

Analyst ratings data on MarketBeat is provided by Benzinga and other data providers. This page was last refreshed on Monday at 11:16 PM ET.

Should I Buy Upstart Stock? UPST Pros and Cons Explained

These pros and cons were generated based on recent news and financial data from MarketBeat in order to provide readers with the fastest and most accurate insights. They were last updated on Tuesday, June 24, 2025. Please send any questions or comments about these Upstart pros and cons to contact@marketbeat.com.

Upstart
Bull Case

Here are some ways that investors could benefit from investing in Upstart Holdings, Inc.:

Upstart Holdings, Inc. has shown significant revenue growth, with a 67.0% increase year-over-year, indicating strong demand for its AI-driven lending platform.
The company recently reported earnings of $0.30 per share, surpassing analysts' expectations, which reflects its improving profitability and operational efficiency.
As of the latest trading session, Upstart's stock price is $50.66, which is a considerable recovery from its fifty-two week low of $20.60, suggesting positive market sentiment.
Upstart's innovative use of artificial intelligence in lending could position it well in a rapidly evolving financial technology landscape, attracting more customers and partnerships.
Institutional investors hold a significant 63.01% of Upstart's stock, which often indicates confidence in the company's future performance and stability.

Upstart
Bear Case

Investors should be bearish about investing in Upstart Holdings, Inc. for these reasons:

The company has a negative net margin of 20.20%, which means it is currently spending more than it earns, raising concerns about long-term profitability.
Upstart has a price-to-earnings ratio of -34.70, indicating that it is not currently generating positive earnings, which can be a red flag for potential investors.
Despite recent growth, the company has a negative return on equity of 25.87%, suggesting that it is not effectively using its equity to generate profits.
The stock has experienced significant volatility, with a beta of 2.29, meaning it is more volatile than the market, which could pose risks for conservative investors.
Recent acquisitions by institutional investors may indicate a shift in strategy or confidence, but they could also reflect a need for stabilization in the company's performance.

UPST Forecast - Frequently Asked Questions

: According to the research reports of 14 Wall Street equities research analysts, the average twelve-month stock price forecast for Upstart is $67.42, with a high forecast of $108.00 and a low forecast of $16.50.
: 14 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for Upstart in the last year. There is currently 1 sell rating, 8 hold ratings and 5 buy ratings for the stock. The consensus among Wall Street research analysts is that investors should "hold" UPST shares. A hold rating indicates that analysts believe investors should maintain any existing positions they have in UPST, but not buy additional shares or sell existing shares.
: According to analysts, Upstart's stock has a predicted upside of 4.24% based on their 12-month stock forecasts.
: Over the previous 90 days, Upstart's stock had 2 upgrades by analysts.
: Upstart has been rated by research analysts at Bank of America, Barclays, Morgan Stanley, Needham & Company LLC, Piper Sandler, Stephens, and The Goldman Sachs Group in the past 90 days.
: Analysts like Upstart less than other "finance" companies. The consensus rating for Upstart is Hold while the average consensus rating for "finance" companies is Moderate Buy. Learn more on how UPST compares to other companies.

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This page (NASDAQ:UPST) was last updated on 6/30/2025 by MarketBeat.com Staff

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Upstart (UPST) Stock Forecast & Price Target