$71.77
9.39% yesterday
Nasdaq, Feb 21, 10:18 pm CET
ISIN
US91680M1071
Symbol
UPST

Upstart Holdings Target price 2025 - Analyst rating & recommendation

Upstart Holdings Classifications & Recommendation:

Buy
33%
Hold
39%
Sell
28%

Upstart Holdings Price Target

Target Price $77.60
Price $71.77
Potential
Number of Estimates 15
15 Analysts have issued a price target Upstart Holdings 2026 . The average Upstart Holdings target price is $77.60. This is higher than the current stock price. The highest price target is , the lowest is .
A rating was issued by 18 analysts: 6 Analysts recommend Upstart Holdings to buy, 7 to hold and 5 to sell.
Analysts don't have a crystal ball either, but they do represent the opinion of the market quite well. You should not take the price potential and the ratings as a recommendation to act. Rather, they serve as an additional building block for your own opinion or stock analysis.
Analyst Estimates: Analysts believe that the Upstart Holdings stock has an average upside potential 2026 of . Most analysts recommend the Upstart Holdings stock at Hold.

Sales and Margin forecast 2025, 2026 & 2027

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Quarter Annually
Dec '24 2025
Estimates
Revenue Million $ 636.53 991.11
23.94% 55.70%
EBITDA Margin -23.93% 17.63%
46.95% 173.68%
Net Margin -21.15% -0.60%
59.52% 97.16%

13 Analysts have issued a sales forecast Upstart Holdings 2025 . The average Upstart Holdings sales estimate is

$991m
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. This is
55.70% higher
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than the revenue of the last 12 months(TTM). The highest sales forecast is
$1.1b 67.34%
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, the lowest is
$858m 34.79%
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.

This results in the following potential growth metrics:

Revenue Estimates

2024 $637m 23.94%
2025
$991m 55.70%
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2026
$1.2b 23.53%
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2027
$1.5b 19.37%
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12 Analysts have issued an Upstart Holdings EBITDA forecast 2025. The average Upstart Holdings EBITDA estimate is

$175m
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. This is
214.73% higher
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than the EBITDA of the last 12 months(TTM). The highest EBITDA forecast is
$238m 256.10%
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, the lowest is
$93.2m 161.21%
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.

This results in the following potential growth metrics and future EBITDA Margins:

EBITDA Estimates

2024 $-152m 34.24%
2025
$175m 214.73%
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2026
$281m 61.02%
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2027
$360m 28.06%
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EBITDA Margin

2024 -23.93% 46.95%
2025
17.63% 173.68%
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2026
22.98% 30.35%
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2027
24.65% 7.27%
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11 Upstart Holdings Analysts have issued a net profit forecast 2025. The average Upstart Holdings net profit estimate is

$-6.0m
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. This is
95.64% higher
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than the net profit for the last 12 months(TTM). The highest net profit forecast is
$37.4m 127.40%
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, the lowest is
$-76.7m 43.79%
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.

This results in the following potential growth metrics and future Net Margins:

Net Profit Estimates

2024 $-135m 49.83%
2025
$-6.0m 95.58%
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2026
$75.3m 1,365.04%
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2027
$119m 57.63%
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Net Margin

2024 -21.15% 59.52%
2025
-0.60% 97.16%
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2026
6.15% 1,125.00%
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2027
8.12% 32.03%
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Earnings per share, P/E ratio and EV/sales Estimates 2025, 2026 & 2027

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Quarter Annually
Dec '24 2025
Estimates
Earnings Per Share $ -1.44 -0.06
49.83% 95.83%
P/E negative
EV/Sales 7.35

11 Analysts have issued a Upstart Holdings forecast for earnings per share. The average Upstart Holdings <a href=https://blog.stocksguide.com/knowledge/eps-simply-explained>EPS is

$-0.06
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. This is
95.89% higher
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than earnings per share in the financial year 2024. The highest <a href=https://blog.stocksguide.com/knowledge/eps-simply-explained>EPS forecast is
$0.40 127.40%
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, the lowest is
$-0.82 43.84%
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.

This results in the following potential growth metrics and future valuations:

Earnings Per Share

2024 $-1.44 49.83%
2025
$-0.06 95.83%
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2026
$0.81 1,450.00%
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2027
$1.27 56.79%
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P/E ratio

Current -49.06 441.50%
2025
-1,126.76 2,196.70%
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2026
89.12 107.91%
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2027
56.54 36.56%
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Based on analysts' sales estimates for 2025, the Upstart Holdings stock is valued at an <a href=https://blog.stocksguide.com/knowledge/enterprise-value-sales-simply-explained>EV/Sales of

and an <a href=https://blog.stocksguide.com/knowledge/price-sales-ratio-simply-explained>P/S ratio of .

This results in the following potential growth metrics and future valuations:

EV/Sales

Current 11.45 94.73%
2025
7.35 35.77%
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2026
5.95 19.05%
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2027
4.99 16.22%
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P/S ratio

Current 10.57 142.49%
2025
6.79 35.78%
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2026
5.49 19.05%
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2027
4.60 16.22%
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Current Upstart Holdings Upgrades & Downgrades Beta

Analyst Rating Action Date
Barclays Equal-Weight ➜ Equal-Weight Unchanged Feb 18 2025
Morgan Stanley Underweight ➜ Equal-Weight Upgrade Feb 14 2025
Citigroup Buy ➜ Buy Unchanged Feb 13 2025
B of A Securities Underperform ➜ Underperform Unchanged Feb 12 2025
B. Riley Securities Neutral ➜ Buy Upgrade Feb 12 2025
JP Morgan Underweight ➜ Neutral Upgrade Feb 12 2025
Goldman Sachs Sell ➜ Sell Unchanged Feb 12 2025
Analyst Rating Date
Unchanged
Barclays: Equal-Weight ➜ Equal-Weight
Feb 18 2025
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Morgan Stanley: Underweight ➜ Equal-Weight
Feb 14 2025
Unchanged
Citigroup: Buy ➜ Buy
Feb 13 2025
Unchanged
B of A Securities: Underperform ➜ Underperform
Feb 12 2025
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B. Riley Securities: Neutral ➜ Buy
Feb 12 2025
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JP Morgan: Underweight ➜ Neutral
Feb 12 2025
Unchanged
Goldman Sachs: Sell ➜ Sell
Feb 12 2025

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