UPST Stock Price Prediction

Upstart Holdings Inc

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Advanced Chart

38.600

+0.875(2.319%)1D

1-Day-Price-Prediction

+1.71%

1-Week Prediction

+2.1%

1-Month Prediction

+3.62%

2026 Prediction

+62.66%

2030 Prediction

+561.21%

Based on our advanced algorithm, we predict that UPST stock price will experience significant movement in the coming periods. Our 1-day prediction estimates a price of $39.3, while the 1-week outlook suggests a value of $39.2. For the 1-month forecast, we project a price of $40. Looking further ahead, our 2026 projection estimates a value of $62.79, with a long-term 2030 forecast reaching $255.23. Stay informed and make strategic decisions with our data-driven insights!

Unlock Free Stock Price Forecast

40.000

Should I Buy Upstart Holdings Inc Stock?

Based on our evaluation of the five key dimensions—Technical Signals, Moving Average trends, Short Sell Data, Similar Chart Pattern Matching and Seasonality Analysis—we have identified the following insights. UPST has several negative signals and is within a falling trend, so we believe it will perform weakly in the next couple of days or weeks. We therefore hold a negative evaluation of this stock. Our analysis conclusion for this stock is a Strong Sell candidate.

UPST stock price ended at $38.6 on Friday, after rising 2.32%

The Upstart Holdings Inc stock price increased by 2.32% on the last trading day (07 Nov 2025), rising from 36.9 to 38.6. Throughout the last trading session, the stock experienced a fluctuation of 7.15% , ranging from a day low of $36.0601 to a day high of 38.64. The price has declined in 6 of the last 10 days, resulting in a total change of -26.74% during this period. On the last day, trading volume increase by -391.27K shares, with the rising prices. This could serve as an early warning, indicating that risk may slightly increase in the coming days. In total, 8.90M shares were traded, amounting to approximately 334.81M.

UPST Technical Signals

UPST(Upstart Holdings Inc Corp) has 5 buy signals and 3 sell signals now. The current trend is consolidation starting from 2025-11-03. The total price change during this trend is -18.81%. Recently, the price has increased while volume droped, indicating a potential warning signal. The average turnover of UPST over the last 5 trading days is 494.98M. Overall, the technical indicator signals lean more toward a Bullish outlook in the mid-term.

UPST Moving Average Analysis

Upstart Holdings Inc's overall moving average trend leans more bearish as of Sunday, November 9, 2025, with 4 negative signals and 0 positive signal. In the mid-term, the SMA_20 being below the SMA_60 signals a strong bearish trend. There will be some resistance from the lines at $56.80, and $63.84. A break-up above any of these levels will issue buy signals. There will be some support from the lines at $34.01, and $26.96. A break-down below any of these levels will issue sell signals.

UPST Short Selling Analysis

The short sale ratio of Upstart Holdings Inc(UPST) as of 07 Nov 2025 is 19.09%, dropping from last trading day. With decreasing price from 37.73 to 38.60. The short sell activity indicate that short sellers may be experiencing short cover.

Technical Signal

Technical Signals Summary

Buy

Sell

Buy

Moving Average

Swing

Negative

Stock Price Below SMA_5

Short Term

Negative

SMA_5 Below SMA_20

Mid Term

Negative

SMA_20 Below SMA_60

Long Term

Negative

SMA_60 Below SMA_200

Short Selling

Close Price

Short Sale Ratio

Short Sale Volume

5 Bullish Signals

When Value satisfies Signal, Indicator signals Bullish

Indicators

Signal

Value

Meaning

Relative Strength Index (14 days)

RSI_14 < 30

29.2

Bullish

Stochastic Oscillator %K (14, 3, 3)

STOCHk_14_3_3 < 20

9.88

Bullish

Commodity Channel Index (20 days, 0.015 constant)

CCI_20_0.015 < -100

-208.782

Bullish

Stochastic RSI %K (14, 14, 3, 3)

STOCHRSIk_14_14_3_3 < 20

7.967

Bullish

Williams %R (14 days)

WILLR_14 < -80

-86.744

Bullish

3 Bearish Signals

When Value satisfies Signal, Indicator signals Bearish

Indicators

Signal

Value

Meaning

Awesome Oscillator (5, 34)

AO_5_34 < 0

-8.496

Bearish

Momentum (10 days)

MOM_10 < 0

-14.09

Bearish

Moving Average Convergence Divergence (12, 26, 9)

MACD_12_26_9 < 0

-3.927

Bearish

UPST Stock Forecast

2026

2027

2028

2029

2030

2031

2032

2033

2034

2035

Month	Min. Price	Avg. Price	Max. Price	Potential ROI
Month	Min. Price	Avg. Price	Max. Price	Potential ROI
Jan 2026	$58.42	$58.49	$64.49	-6.33%
Feb 2026	$77.31	$79.41	$80.78	+27.19%
Mar 2026	$60.44	$62.87	$78.99	+0.69%
Apr 2026	$63.88	$79.41	$80.48	+27.19%
May 2026	$64.15	$67.10	$79.69	+7.46%
Jun 2026	$69.60	$74.44	$79.09	+19.22%
Jul 2026	$49.86	$59.54	$73.47	-4.65%
Aug 2026	$52.27	$66.67	$78.58	+6.78%
Sep 2026	$74.34	$79.41	$93.68	+27.19%
Oct 2026	$60.59	$61.10	$74.99	-2.15%
Nov 2026	$48.02	$62.79	$66.46	+0.55%
Dec 2026	$52.63	$61.48	$65.54	-1.53%

Unlock Free Stock Price Forecast

In 2026, Upstart Holdings Inc (UPST) is anticipated to change hands in a trading channel between $48.02 and $93.68.

Upstart Holdings Inc Stock Forecast 2026

Jan 2026: UPST Stock Forecast

Potential ROI: -6.33%

In Jan 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $58.49. The price is predicted to fluctuate between a low of $58.42 and a high of $64.49.

Feb 2026: UPST Stock Forecast

Potential ROI: 27.19%

In Feb 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $79.41. The price is predicted to fluctuate between a low of $77.31 and a high of $80.78.

Mar 2026: UPST Stock Forecast

Potential ROI: 0.69%

In Mar 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $62.87. The price is predicted to fluctuate between a low of $60.44 and a high of $78.99.

Apr 2026: UPST Stock Forecast

Potential ROI: 27.19%

In Apr 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $79.41. The price is predicted to fluctuate between a low of $63.88 and a high of $80.48.

May 2026: UPST Stock Forecast

Potential ROI: 7.46%

In May 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $67.10. The price is predicted to fluctuate between a low of $64.15 and a high of $79.69.

Jun 2026: UPST Stock Forecast

Potential ROI: 19.22%

In Jun 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $74.44. The price is predicted to fluctuate between a low of $69.60 and a high of $79.09.

Jul 2026: UPST Stock Forecast

Potential ROI: -4.65%

In Jul 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $59.54. The price is predicted to fluctuate between a low of $49.86 and a high of $73.47.

Aug 2026: UPST Stock Forecast

Potential ROI: 6.78%

In Aug 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $66.67. The price is predicted to fluctuate between a low of $52.27 and a high of $78.58.

Sep 2026: UPST Stock Forecast

Potential ROI: 27.19%

In Sep 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $79.41. The price is predicted to fluctuate between a low of $74.34 and a high of $93.68.

Oct 2026: UPST Stock Forecast

Potential ROI: -2.15%

In Oct 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $61.10. The price is predicted to fluctuate between a low of $60.59 and a high of $74.99.

Nov 2026: UPST Stock Forecast

Potential ROI: 0.55%

In Nov 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $62.79. The price is predicted to fluctuate between a low of $48.02 and a high of $66.46.

Dec 2026: UPST Stock Forecast

Potential ROI: -1.53%

In Dec 2026, Upstart Holdings Inc's value is forecasted to reach an average price of $61.48. The price is predicted to fluctuate between a low of $52.63 and a high of $65.54.

UPST Price Prediction & Forecast by Similar Chart Analysis

Based on historical patterns and backtesting of stocks with similar movements to Upstart Holdings Inc(UPST), our algorithm predicts UPST's 1-month price at $43.21, with an -9.07%downwardshift. Using a similarity score up to 96.89%and other factors, This forecast updates weekly, adjusting for significant deviations.

Similar Chart

The price prediction chart for Upstart Holdings Inc (UPST.O) stock, as of Sunday, November 2, 2025 , forecasts a -9.07% change over the next month, based on its high correlation with PGY.O stock patterns. The similarity between their price movements over the analyzed periods is 96.89%. The right panel lists other stocks with similar price patterns. This prediction is updated every week.

UPST

Future prediction

Up: -9.07%

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PGY

Down: -9.07%Similarity: 96.89%

Name

Similarity

Up/Down

PGY.O

96.89%

-9.07%

ATYR.O

96.00%

+9.67%

PAYO.O

95.39%

-7.25%

AMT.N

95.31%

+7.65%

GOVX.O

95.29%

-11.27%

ERAS.O

94.97%

+37.97%

ALLR.O

94.97%

-18.60%

ADTN.O

94.92%

+7.00%

KOS.N

94.86%

+14.61%

HI.N

94.78%

+17.50%

UPST Seasonality Analysis

Based on UPST's historical stock price data across all years, the probability of a positive return in November is40.00%, suggesting it maynotbe an ideal month to invest in UPST. In contrast,Februaryoffers the highest probability of positive returns at60.00%, making it a potentially strong month for investment.

However, this is only a prediction based on one method, and a comprehensive assessment of the stock's future trend should consider additional factors. Our final stock price commentary incorporates three main evaluation dimensions: technical signals, Moving Average trends, and similar chart pattern matching, with the first two dimensions carrying the primary weight to ensure a more robust and accurate forecast.

Monthly Seasonality

The radar chart shows that buying Upstart Holdings Inc (UPST.O) stock in February has the highest probability of a positive return (60.00%), while April has the lowest probability (20.00%).

Performance Seasonality

The chart shows Upstart Holdings Inc. (UPST)'s annual stock price return for the past three years, helping you analyze price trends and identify recurring trends on an annual basis.