UPST Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

288.58M

+31.8%

0.471

+81.21%

274.78M

+28.78%

0.473

+57.81%

310.35M

+20.62%

0.590

+63.92%

Estimates Revision

The market is revising Downward the revenue expectations for Upstart Holdings, Inc. (UPST) for FY2025, with the revenue forecasts being adjusted by -1.86% over the past three months. During the same period, the stock price has changed by -3.36%.

Revenue Estimates for FY2025

Revise Downward

-1.86%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+1.97%

In Past 3 Month

Stock Price

Go Down

-3.36%

In Past 3 Month

13 Analyst Rating

Wall Street analysts forecast UPST stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for UPST is 56.45 USD with a low forecast of 20.00 USD and a high forecast of 80.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

6 Buy

5 Hold

2 Sell

Moderate Buy

Current: 0.000

Low

20.00

Averages

56.45

High

80.00

Current: 0.000

Low

20.00

Averages

56.45

High

80.00

Truist

Arvind Ramnani

Buy

initiated

$59

2026-01-06

New

Reason

Truist

Arvind Ramnani

Price Target

$59

2026-01-06

New

initiated

Buy

Reason

Truist analyst Arvind Ramnani initiated coverage of Upstart with a Buy rating and $59 price target. From the company's inception, Upstart's core offering is anchored around GenAI, including its underwriting model, the analyst tells investors in a research note. While its model offers significant improvements to traditional credit models, it is still highly exposed to the credit cycle, and offers a levered way to play the U.S. easing rates and stable/improving consumer credit, Truist says.

Mizuho

Joseph Catanzaro

Outperform

initiated

$51

2025-12-17

Reason

Mizuho

Joseph Catanzaro

Price Target

$51

2025-12-17

initiated

Outperform

Reason

Mizuho analyst Joseph Catanzaro initiated coverage of Upstream Bio with an Outperform rating and $51 price target. The company's lead program verekitug is well positioned for a positive Phase II readout in asthma in Q1, the analyst tells investors in a research note. The firm projects $2.7B in risk-adjusted 2035 worldwide sales for verekitug and expects the positive Phase II data to drive share outperformance.

LifeSci Capital

Outperform

initiated

$43

2025-12-02

Reason

LifeSci Capital

Price Target

$43

2025-12-02

initiated

Outperform

Reason

LifeSci Capital initiated coverage of Upstream Bio with an Outperform rating and $43 price target.

Mizuho

Dan Dolev

Outperform -> Outperform

downgrade

$86 -> $66

2025-11-10

Reason

Mizuho

Dan Dolev

Price Target

$86 -> $66

2025-11-10

downgrade

Outperform -> Outperform

Reason

Mizuho analyst Dan Dolev lowered the firm's price target on Upstart to $66 from $86 and keeps an Outperform rating on the shares. The firm updated the company's model post the Q3 report.

Goldman Sachs

Will Nance

Sell

downgrade

$54 -> $40

2025-11-06

Reason

Goldman Sachs

Will Nance

Price Target

$54 -> $40

2025-11-06

downgrade

Sell

Reason

Goldman Sachs analyst Will Nance lowered the firm's price target on Upstart to $40 from $54 and keeps a Sell rating on the shares.

B. Riley

Buy

downgrade

$105 -> $66

2025-11-06

Reason

B. Riley

Price Target

$105 -> $66

2025-11-06

downgrade

Buy

Reason

B. Riley lowered the firm's price target on Upstart to $66 from $105 and keeps a Buy rating on the shares following the Q3 report. The firm reduced estimates post the print.

Valuation Metrics

The current forward P/E ratio for Upstart Holdings Inc (UPST.O) is 20.63, compared to its 5-year average forward P/E of -182.11. For a more detailed relative valuation and DCF analysis to assess Upstart Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

-182.11

Current PE

20.63

Overvalued PE

768.32

Undervalued PE

-1132.55

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

92.81

Current EV/EBITDA

19.75

Overvalued EV/EBITDA

289.18

Undervalued EV/EBITDA

-103.57

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

5Y Average PS

6.62

Current PS

3.70

Overvalued PS

11.64

Undervalued PS

1.60

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

Gross Profit Margin - %

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

UPST News & Events

Events Timeline

No data

News

2.0

01-06CNBC

SoFi Shares Plunge Nearly 10% After Bank of America Downgrade

7.5

01-06Globenewswire

Truepic Appoints Kerry Cooper to Advisory Board, Enhancing Risk Management in AI Era

6.5

01-06Barron's

AI Revolutionizes the Economy: Duolingo and 5 Other Stocks to Capitalize on the Change.

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Frequently Asked Questions

What is Upstart Holdings Inc (UPST) stock price today?

The current price of UPST is 50.61 USD — it has increased 0.58 % in the last trading day.

What is Upstart Holdings Inc (UPST)'s business?

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.

What is the price predicton of UPST Stock?

What is Upstart Holdings Inc (UPST)'s revenue for the last quarter?

Upstart Holdings Inc revenue for the last quarter amounts to 277.11M USD, increased 65.35 % YoY.

What is Upstart Holdings Inc (UPST)'s earnings per share (EPS) for the last quarter?

Upstart Holdings Inc. EPS for the last quarter amounts to 0.29 USD, decreased -462.50 % YoY.

What changes have occurred in the market's expectations for Upstart Holdings Inc (UPST)'s fundamentals?

How many employees does Upstart Holdings Inc (UPST). have?

Upstart Holdings Inc (UPST) has 1193 emplpoyees as of January 09 2026.

What is Upstart Holdings Inc (UPST) market cap?

Today UPST has the market capitalization of 4.92B USD.