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Upstart - UPST Stock Price Target and Predictions

  • Consensus Rating: Hold
  • Consensus Price Target: $60.50
  • Forecasted Upside: 28.37%
  • Number of Analysts: 12
  • Breakdown:
  • 2 Sell Ratings
  • 5 Hold Ratings
  • 5 Buy Ratings
  • 0 Strong Buy Ratings
$47.13 As of 12/4/2025 05:00 PM ET
▲ +1.83 (4.04%)

This chart shows the closing price for UPST by one month, three months, or twelve months.

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Analyst Price Target for UPST

Analyst Price Target is $60.50
▲ +28.37% Upside Potential
This price target is based on 12 analysts offering 12 month price targets for Upstart in the last 3 months. The average price target is $60.50, with a high forecast of $105.00 and a low forecast of $40.00. The average price target represents a 28.37% upside from the last price of $47.13.

This chart shows the closing price for UPST for the last year in relation to the current analyst high, average, and low pricetarget.

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Current Consensus is Hold

The current consensus among 12 investment analysts is to hold stock in Upstart. This rating has held steady since October 2024, when it changed from a Reduce consensus rating.

Past Monthly Recommendations

Move your mouse over past months for details

Read Past Recommendations DescriptionSkip Past Price Target Consensus Chart
  • 0 strong buy ratings
  • 0 buy ratings
  • 6 hold ratings
  • 6 sell ratings
Ratings as of
6/12/2024
  • 0 strong buy ratings
  • 1 buy ratings
  • 7 hold ratings
  • 4 sell ratings
Ratings as of
9/10/2024
  • 0 strong buy ratings
  • 4 buy ratings
  • 5 hold ratings
  • 2 sell ratings
Ratings as of
12/9/2024
  • 0 strong buy ratings
  • 5 buy ratings
  • 7 hold ratings
  • 2 sell ratings
Ratings as of
3/9/2025
  • 0 strong buy ratings
  • 5 buy ratings
  • 7 hold ratings
  • 1 sell ratings
Ratings as of
6/7/2025
  • 0 strong buy ratings
  • 6 buy ratings
  • 7 hold ratings
  • 1 sell ratings
Ratings as of
9/5/2025
  • 0 strong buy ratings
  • 5 buy ratings
  • 7 hold ratings
  • 2 sell ratings
Ratings as of
11/4/2025
  • 0 strong buy ratings
  • 5 buy ratings
  • 5 hold ratings
  • 2 sell ratings
Ratings as of
12/4/2025

Latest Recommendations

  • 0 strong buy ratings
  • 5 buy ratings
  • 5 hold ratings
  • 2 sell ratings

Display Ratings By
DateBrokerageActionRatingPrice TargetDetails
12/1/2025Weiss RatingsReiterated RatingSell (D+) ➝ Sell (D+)
11/25/2025Weiss RatingsDowngradeHold (C-) ➝ Sell (D+)
11/19/2025Weiss RatingsReiterated RatingHold (C-) ➝ Hold (C-)
11/13/2025Weiss RatingsReiterated RatingHold (C-) ➝ Hold (C-)
11/7/2025Weiss RatingsUpgradeSell (E+) ➝ Hold (C-)
11/6/2025The Goldman Sachs GroupReiterated RatingSell ➝ Sell$40.00
11/5/2025Morgan StanleySet Target$45.00
11/5/2025CitigroupLower TargetBuy ➝ Buy$100.00 ➝ $80.00
11/5/2025JPMorgan Chase & Co.Lower TargetOverweight ➝ Overweight$88.00 ➝ $65.00
11/5/2025Piper SandlerLower TargetOverweight ➝ Overweight$80.00 ➝ $56.00
11/5/2025StephensLower TargetEqual Weight ➝ Equal Weight$55.00 ➝ $40.00
11/5/2025BTIG ResearchReiterated RatingNeutral ➝ Neutral
11/5/2025Bank of AmericaLower TargetNeutral ➝ Neutral$81.00 ➝ $71.00
11/5/2025Needham & Company LLCLower TargetBuy ➝ Buy$82.00 ➝ $56.00
10/20/2025Piper SandlerSet Target$80.00
10/13/2025The Goldman Sachs GroupLower TargetSell ➝ Sell$78.00 ➝ $54.00
10/8/2025Weiss RatingsReiterated RatingSell (E+) ➝ Sell (E+)
9/27/2025Weiss RatingsReiterated RatingSell (E+) ➝ Sell (E+)
8/20/2025JPMorgan Chase & Co.UpgradeNeutral ➝ Overweight$93.00 ➝ $88.00
8/6/2025Morgan StanleyReiterated RatingEqual Weight ➝ Equal Weight
8/6/2025Piper SandlerBoost TargetOverweight ➝ Overweight$75.00 ➝ $90.00
8/6/2025Morgan StanleyBoost TargetEqual Weight ➝ Equal Weight$50.00 ➝ $70.00
8/6/2025Needham & Company LLCReiterated RatingBuy ➝ Buy$70.00 ➝ $82.00
8/6/2025Bank of AmericaLower TargetNeutral ➝ Neutral$88.00 ➝ $87.00
7/14/2025The Goldman Sachs GroupUpgradeSell$71.00
6/24/2025Piper SandlerUpgradeOverweight$75.00
6/12/2025StephensInitiated CoverageEqual Weight$55.00
5/19/2025Needham & Company LLCReiterated RatingBuy ➝ Buy$70.00 ➝ $70.00
5/12/2025BarclaysBoost TargetEqual Weight ➝ Equal Weight$42.00 ➝ $47.00
5/8/2025The Goldman Sachs GroupBoost TargetSell ➝ Sell$15.00 ➝ $16.50
5/7/2025Needham & Company LLCLower TargetBuy ➝ Buy$108.00 ➝ $70.00
5/7/2025Piper SandlerLower TargetOverweight ➝ Overweight$105.00 ➝ $69.00
5/7/2025Morgan StanleyLower TargetEqual Weight ➝ Equal Weight$70.00 ➝ $50.00
4/29/2025Bank of AmericaUpgradeUnderperform ➝ Neutral$53.00 ➝ $53.00
4/14/2025BarclaysLower TargetEqual Weight ➝ Equal Weight$93.00 ➝ $42.00
2/18/2025BarclaysBoost TargetEqual Weight ➝ Equal Weight$80.00 ➝ $93.00
2/14/2025Morgan StanleyUpgradeUnderweight ➝ Equal Weight$12.00 ➝ $70.00
2/13/2025CitigroupBoost TargetNeutral ➝ Neutral$87.00 ➝ $108.00
2/12/2025The Goldman Sachs GroupBoost TargetSell ➝ Sell$13.50 ➝ $15.00
2/12/2025Bank of AmericaBoost TargetUnderperform ➝ Underperform$33.00 ➝ $39.00
2/12/2025Piper SandlerReiterated RatingOverweight ➝ Overweight$85.00 ➝ $105.00
2/12/2025Needham & Company LLCBoost TargetBuy ➝ Buy$100.00 ➝ $108.00
2/12/2025JPMorgan Chase & Co.UpgradeUnderweight ➝ Neutral$57.00 ➝ $79.00
2/12/2025B. RileyUpgradeNeutral ➝ Buy$49.00 ➝ $105.00
12/13/2024Needham & Company LLCUpgradeHold ➝ Buy$100.00
12/3/2024Redburn AtlanticUpgradeNeutral ➝ Buy$37.00 ➝ $95.00
12/2/2024WedbushBoost TargetNeutral ➝ Neutral$60.00 ➝ $75.00
12/2/2024JPMorgan Chase & Co.DowngradeNeutral ➝ Underweight$45.00 ➝ $57.00
11/11/2024BTIG ResearchUpgradeSell ➝ Neutral
11/8/2024WedbushBoost TargetNeutral ➝ Neutral$45.00 ➝ $60.00
11/8/2024CitigroupUpgradeNeutral ➝ Buy$56.00 ➝ $87.00
11/8/2024JPMorgan Chase & Co.UpgradeUnderweight ➝ Neutral$30.00 ➝ $45.00
11/8/2024Piper SandlerUpgradeNeutral ➝ Overweight$31.00 ➝ $85.00
10/14/2024WedbushUpgradeUnderperform ➝ Neutral$10.00 ➝ $45.00
9/20/2024MizuhoBoost TargetOutperform ➝ Outperform$33.00 ➝ $48.00
8/20/2024JPMorgan Chase & Co.Boost TargetUnderweight ➝ Underweight$27.00 ➝ $30.00
8/12/2024BarclaysBoost TargetEqual Weight ➝ Equal Weight$25.00 ➝ $35.00
8/8/2024Needham & Company LLCReiterated RatingHold
8/7/2024JPMorgan Chase & Co.Boost TargetUnderweight ➝ Underweight$24.00 ➝ $27.00
8/7/2024WedbushReiterated RatingUnderperform ➝ Underperform$10.00 ➝ $10.00
8/7/2024Piper SandlerBoost TargetNeutral ➝ Neutral$28.00 ➝ $31.00
8/7/2024CitigroupUpgradeSell ➝ Neutral$15.00 ➝ $33.00
7/31/2024MizuhoUpgradeUnderperform ➝ Outperform$17.00 ➝ $31.00
6/7/2024BTIG ResearchInitiated CoverageSell$14.00
6/4/2024Redburn AtlanticUpgradeSell ➝ Neutral$22.50 ➝ $25.50
5/9/2024MizuhoLower TargetUnderperform ➝ Underperform$23.00 ➝ $17.00
5/8/2024WedbushReiterated RatingUnderperform ➝ Underperform$10.00
5/8/2024Needham & Company LLCReiterated RatingHold
4/17/2024JMP SecuritiesReiterated RatingMarket Perform
4/4/2024Bank of AmericaInitiated CoverageUnderperform$22.00
3/19/2024Piper SandlerReiterated RatingNeutral ➝ Neutral$28.00
2/14/2024JPMorgan Chase & Co.Lower TargetUnderweight ➝ Underweight$26.00 ➝ $24.00
2/14/2024Piper SandlerBoost TargetNeutral ➝ Neutral$27.00 ➝ $28.00
1/18/2024MizuhoBoost TargetUnderperform ➝ Underperform$19.00 ➝ $23.00
11/8/2023JPMorgan Chase & Co.Lower TargetUnderweight ➝ Underweight$28.00 ➝ $26.00
11/8/2023WedbushReiterated RatingUnderperform ➝ Underperform$10.00
11/8/2023Piper SandlerLower TargetNeutral ➝ Neutral$35.00 ➝ $27.00
9/25/2023Needham & Company LLCInitiated CoverageHold
9/21/2023B. RileyLower TargetNeutral ➝ Neutral$49.00 ➝ $36.00
9/11/2023Piper SandlerReiterated RatingNeutral ➝ Neutral$35.00
8/23/2023Compass PointBoost TargetSell ➝ Sell$8.00 ➝ $9.00
8/22/2023JPMorgan Chase & Co.Boost TargetUnderweight ➝ Underweight$23.00 ➝ $28.00
8/14/2023MizuhoBoost TargetUnderperform ➝ Underperform$16.00 ➝ $19.00
8/14/2023BarclaysBoost TargetEqual Weight ➝ Equal Weight$17.00 ➝ $31.00
8/9/2023Piper SandlerBoost TargetNeutral ➝ Neutral$17.00 ➝ $35.00
8/9/2023BTIG ResearchLower Target$72.00 ➝ $64.00
8/7/2023JPMorgan Chase & Co.Boost TargetUnderweight ➝ Underweight$11.00 ➝ $23.00
7/26/2023B. RileyInitiated CoverageNeutral$49.00
7/25/2023BTIG ResearchBoost TargetBuy$42.00 ➝ $72.00
6/14/202322nd Century GroupReiterated RatingInitiates
6/13/2023BTIG ResearchInitiated CoverageBuy$42.00
5/23/2023Compass PointBoost Target$6.00 ➝ $8.00
5/10/2023Morgan StanleyBoost Target$10.00 ➝ $13.00
5/10/2023Piper SandlerBoost Target$16.00 ➝ $17.00
5/10/2023MizuhoBoost Target$14.00 ➝ $16.00
4/11/2023JPMorgan Chase & Co.Initiated CoverageUnderweight$11.00
3/7/2023Compass PointInitiated CoverageSell
2/21/2023MizuhoLower TargetUnderperform$16.00 ➝ $14.00
2/15/2023Piper SandlerReiterated RatingNeutral$16.00
2/15/2023Loop CapitalUpgradeHold ➝ Buy$24.00
2/15/2023CitigroupDowngradeNeutral ➝ Sell
2/3/2023Loop CapitalReiterated RatingBuy ➝ Hold$24.00
2/1/2023MizuhoBoost TargetUnderperform$14.00 ➝ $16.00
1/20/2023CitigroupLower TargetNeutral ➝ Neutral$33.00 ➝ $17.00
1/18/2023Piper SandlerBoost TargetNeutral$14.00 ➝ $16.00
12/12/2022MizuhoBoost TargetUnderperform$14.00
11/15/2022BarclaysLower Target$17.00
11/10/2022Bank of AmericaDowngradeNeutral ➝ Underperform$34.00 ➝ $15.00
11/9/2022Jefferies Financial GroupLower Target$25.00 ➝ $20.00
10/25/2022MizuhoInitiated CoverageUnderperform$17.00
8/15/2022BarclaysBoost TargetEqual Weight$25.00 ➝ $37.00
8/11/2022Atlantic SecuritiesDowngradeNeutral ➝ Underweight$32.00 ➝ $22.00
8/9/2022StephensLower TargetUnderweight$28.00 ➝ $23.00
8/9/2022Piper SandlerLower TargetNeutral$25.00 ➝ $24.00
7/18/2022BarclaysLower TargetEqual Weight$35.00 ➝ $25.00
7/18/2022Piper SandlerLower TargetNeutral$44.00 ➝ $25.00
7/10/2022The Goldman Sachs GroupDowngradeNeutral ➝ Sell
7/8/2022Bank of AmericaLower TargetNeutral$41.00 ➝ $34.00
7/8/2022JMP SecuritiesDowngradeOutperform ➝ Market Perform
6/29/2022Morgan StanleyDowngradeEqual Weight ➝ Underweight$88.00 ➝ $19.00
5/11/2022BarclaysDowngradeOverweight ➝ Equal Weight$35.00
5/11/2022Atlantic SecuritiesDowngradeOverweight ➝ Neutral$245.00 ➝ $45.00
5/10/2022Bank of AmericaDowngradeBuy ➝ Neutral$255.00 ➝ $41.00
5/10/2022The Goldman Sachs GroupDowngradeBuy ➝ Neutral$250.00 ➝ $40.00
5/10/2022WedbushLower Target$70.00 ➝ $35.00
5/10/2022StephensDowngradeEqual Weight ➝ Underweight$124.00 ➝ $28.00
5/10/2022CitigroupDowngradeBuy ➝ Neutral$180.00 ➝ $50.00
5/10/2022Piper SandlerDowngradeOverweight ➝ Neutral$230.00 ➝ $44.00
5/4/2022Morgan StanleyLower Target$115.00 ➝ $88.00
4/22/2022CitigroupLower TargetBuy$350.00 ➝ $180.00
4/12/2022FBN SecuritiesInitiated CoverageOutperform$150.00
4/5/2022Loop CapitalInitiated CoverageBuy$140.00
3/31/2022StephensInitiated CoverageEqual Weight$124.00
3/22/2022WedbushDowngradeNeutral ➝ Underperform$110.00 ➝ $75.00
2/17/2022BarclaysLower Target$285.00 ➝ $180.00
2/17/2022Bank of AmericaUpgradeUnderperform ➝ Buy$255.00
2/16/2022JMP SecuritiesLower TargetMarket Outperform$315.00 ➝ $245.00
2/16/2022Piper SandlerBoost TargetOverweight$223.00 ➝ $230.00
1/21/2022WedbushLower TargetNeutral ➝ Neutral$160.00 ➝ $110.00
1/13/2022Piper SandlerLower TargetOverweight$300.00 ➝ $223.00
12/22/2021WedbushInitiated CoverageNeutral$160.00
12/9/2021Morgan StanleyInitiated CoverageEqual Weight$200.00
12/3/2021CitigroupUpgradeNeutral ➝ Buy$350.00
11/15/2021JMP SecuritiesLower TargetMarket Outperform$327.00 ➝ $315.00
10/26/2021Jefferies Financial GroupDowngradeBuy ➝ Hold$160.00 ➝ $330.00
10/18/2021Bank of AmericaDowngradeNeutral ➝ Underperform$300.00
9/20/2021CitigroupDowngradeBuy ➝ Neutral$350.00
9/20/2021BarclaysBoost TargetOverweight$230.00 ➝ $345.00
9/17/2021JMP SecuritiesBoost TargetPositive ➝ Market Outperform$205.00 ➝ $327.00
9/8/2021Piper SandlerBoost TargetOverweight$192.00 ➝ $300.00
9/6/2021Atlantic SecuritiesInitiated CoverageOverweight$290.00
8/13/2021BarclaysUpgradeEqual Weight ➝ Overweight$130.00 ➝ $230.00
8/11/2021Piper SandlerBoost TargetOverweight$152.00 ➝ $191.00
8/11/2021CitigroupUpgradeNeutral ➝ Buy$120.00 ➝ $205.00
7/12/2021The Goldman Sachs GroupInitiated CoverageBuy$147.00
6/7/2021JMP SecuritiesBoost TargetMarket Outperform$149.00 ➝ $190.00
5/12/2021JMP SecuritiesBoost TargetOutperform$111.00 ➝ $149.00
5/12/2021Piper SandlerBoost TargetOverweight$143.00 ➝ $152.00
4/27/2021Piper SandlerInitiated CoverageOverweight$143.00
3/22/2021BarclaysBoost TargetEqual Weight$58.00 ➝ $110.00
3/18/2021Bank of AmericaUpgradeNeutral ➝ Buy$57.00 ➝ $135.00
3/18/2021JMP SecuritiesUpgradeMarket Perform ➝ Outperform$111.00
1/11/2021Smith Barney CitigroupInitiated CoverageNeutral$60.00
1/11/2021The Goldman Sachs GroupInitiated CoverageNeutral$55.00
1/11/2021Bank of AmericaInitiated CoverageNeutral$57.00
1/11/2021JMP SecuritiesInitiated CoverageMarket Perform
1/11/2021Jefferies Financial GroupInitiated CoverageBuy$66.00
1/11/2021BarclaysInitiated CoverageEqual Weight$58.00
(Data available from 12/5/2020 forward)

News Sentiment Rating

0.74 (Buy)

Our news sentiment rating is based on the average sentiment of articles about this company published in the media in the last 30 days of headlines and can range from 2 (very positive sentiment) to -2 (very negative sentiment).

News Sentiment Over Time

Move your mouse over past months for details

Skip to Current Sentiment Summary
  • 7 very positive mentions
  • 7 positive mentions
  • 1 negative mentions
  • 0 very negative mentions
Mentions as of
5/9/2025
  • 7 very positive mentions
  • 6 positive mentions
  • 3 negative mentions
  • 0 very negative mentions
Mentions as of
6/8/2025
  • 5 very positive mentions
  • 6 positive mentions
  • 0 negative mentions
  • 0 very negative mentions
Mentions as of
7/8/2025
  • 11 very positive mentions
  • 4 positive mentions
  • 1 negative mentions
  • 0 very negative mentions
Mentions as of
8/7/2025
  • 13 very positive mentions
  • 6 positive mentions
  • 1 negative mentions
  • 0 very negative mentions
Mentions as of
9/6/2025
  • 8 very positive mentions
  • 1 positive mentions
  • 1 negative mentions
  • 1 very negative mentions
Mentions as of
10/6/2025
  • 7 very positive mentions
  • 5 positive mentions
  • 4 negative mentions
  • 0 very negative mentions
Mentions as of
11/5/2025
  • 5 very positive mentions
  • 3 positive mentions
  • 0 negative mentions
  • 1 very negative mentions
Mentions as of
12/5/2025

Current Sentiment

  • 5 very positive mentions
  • 3 positive mentions
  • 0 negative mentions
  • 1 very negative mentions

Recent Stories by Sentiment

Very Negative

Negative

  • No negative mentions tracked during this time.

Positive

Very Positive

Upstart logo
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Read More

Today's Range

Now: $47.13
Low: $45.01
High: $47.24

50 Day Range

MA: $46.03
Low: $35.58
High: $57.35

52 Week Range

Now: $47.13
Low: $31.40
High: $96.43

Volume

4,927,069 shs

Average Volume

5,431,136 shs

Market Capitalization

$4.59 billion

P/E Ratio

214.24

Dividend Yield

N/A

Beta

2.27

Frequently Asked Questions

What sell-side analysts currently cover shares of Upstart?

The following Wall Street analysts have issued stock ratings on Upstart in the last year: B. Riley, Bank of America Corporation, Barclays PLC, BTIG Research, Citigroup Inc., JPMorgan Chase & Co., Morgan Stanley, Needham & Company LLC, Piper Sandler, Stephens, The Goldman Sachs Group, Inc., and Weiss Ratings.
View the latest analyst ratings for UPST.

What is the current price target for Upstart?

0 Wall Street analysts have set twelve-month price targets for Upstart in the last year. Their average twelve-month price target is $60.50, suggesting a possible upside of 28.4%. B. Riley has the highest price target set, predicting UPST will reach $105.00 in the next twelve months. The Goldman Sachs Group, Inc. has the lowest price target set, forecasting a price of $40.00 for Upstart in the next year.
View the latest price targets for UPST.

What is the current consensus analyst rating for Upstart?

Upstart currently has 2 sell ratings, 5 hold ratings and 5 buy ratings from Wall Street analysts. The stock has a consensus analyst rating of "Hold." A "hold" rating indicates that analysts believe investors should keep any existing positions they have in UPST, but not buy more shares or sell existing shares.
View the latest ratings for UPST.

What other companies compete with Upstart?

Other companies that are similar to Upstart include Affirm, SoFi Technologies, Fair Isaac, LendingClub and Lemonade. Learn More about companies similar to Upstart.

How do I contact Upstart's investor relations team?

The company's listed phone number is 650-204-1000 and its investor relations email address is [email protected]. The official website for Upstart is www.upstart.com. Learn More about contacing Upstart investor relations.