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UPST
Volume: 2.21M

Upstart Holdings (UPST) Stock Forecast & Price Target

Upstart Holdings (UPST) Analyst Ratings

Based on 13 analyst ratings
Buy
Strong Buy 31%
Buy 23%
Hold 38%
Sell 8%
Strong Sell 0%

Bulls say

Upstart Holdings is a financial technology company specializing in credit services that operates a cloud-based, artificial intelligence lending platform. Despite a mixed 1Q earnings report that caused a 15% after-hours pullback, the company continues to show strong top-line momentum and is projected to open with a favorable risk-reward for growth investors due to a discounted valuation compared to its digital lending peers. The company's pursuit of a bank charter and focus on unit economics in the Auto and Home segments could drive increased EPS growth and margin expansion. However, there are potential downside risks related to increasing interest rates, a weaker consumer spending climate, and slower progress in AI model improvements.

Bears say

Upstart Holdings is a financial services company that provides credit services through its proprietary AI-based lending platform. Despite recent efforts to pivot its funding base and improve profitability, the company faces risks from potential stalling in funding supply and downward revisions to originations growth. While marketing expenses may drive incremental transaction volume growth, the market has yet to fully trust in this potential. Furthermore, the company's ambitious transaction volume estimates and expectations for future efficiencies from becoming a bank may require a longer wait before coming to fruition, making it a riskier investment option.

Upstart Holdings (UPST) has been analyzed by 13 analysts, with a consensus rating of Buy. 31% of analysts recommend a Strong Buy, 23% recommend Buy, 38% suggest Holding, 8% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Upstart Holdings and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Upstart Holdings (UPST) Forecast

Analysts have given Upstart Holdings (UPST) a Buy based on their latest research and market trends.

According to 13 analysts, Upstart Holdings (UPST) has a Buy consensus rating as of May 12, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $49, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $49, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Upstart Holdings (UPST)

Volume: 2.21M

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