$64.56
0.19% today
Nasdaq, Jul 01, 03:51 pm CET
ISIN
US91680M1071
Symbol
UPST

Upstart Holdings Target price 2025 - Analyst rating & recommendation

Upstart Holdings Classifications & Recommendation:

Buy
55%
Hold
40%
Sell
5%

Upstart Holdings Price Target

Target Price $56.61
Price $64.68
Deviation
Number of Estimates 15
15 Analysts have issued a price target Upstart Holdings 2026 . The average Upstart Holdings target price is $56.61. This is lower than the current stock price. The highest price target is , the lowest is .
A rating was issued by 20 analysts: 11 Analysts recommend Upstart Holdings to buy, 8 to hold and 1 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 Purchase.

Sales and Margin forecast 2025, 2026 to 2029

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Quarter Annually
Dec '24 2025
Estimates
Revenue Million $ 636.53 1,029.00
23.94% 61.66%
EBITDA Margin -23.93% 19.27%
46.95% 180.53%
Net Margin -20.20% 13.70%
56.80% 167.82%

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

$1.0b
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. This is
42.50% higher
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than the revenue of the last 12 months(TTM). The highest sales forecast is
$1.1b 48.87%
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, the lowest is
$949m 31.41%
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.

This results in the following potential growth metrics:

Revenue Estimates

2024 $637m 23.94%
2025
$1.0b 61.66%
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2026
$1.3b 22.93%
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2027
$1.5b 17.94%
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2028
$1.9b 29.42%
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2029
$2.3b 18.80%
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13 Analysts have issued an Upstart Holdings EBITDA forecast 2025. The average Upstart Holdings EBITDA estimate is

$198m
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. This is
459.08% higher
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than the EBITDA of the last 12 months(TTM). The highest EBITDA forecast is
$210m 480.04%
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, the lowest is
$185m 435.56%
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.

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

EBITDA Estimates

2024 $-152m 34.24%
2025
$198m 230.16%
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2026
$282m 42.49%
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2027
$386m 36.52%
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2028
$480m 24.57%
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2029
$614m 27.81%
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EBITDA Margin

2024 -23.93% 46.95%
2025
19.27% 180.53%
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2026
22.33% 15.88%
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2027
25.85% 15.76%
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2028
24.88% 3.75%
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2029
26.77% 7.60%
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16 Upstart Holdings Analysts have issued a net profit forecast 2025. The average Upstart Holdings net profit estimate is

$141m
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. This is
312.21% higher
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than the net profit for the last 12 months(TTM). The highest net profit forecast is
$161m 341.94%
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, the lowest is
$126m 289.34%
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.

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

Net Profit Estimates

2024 $-129m 46.45%
2025
$141m 209.64%
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2026
$213m 51.09%
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2027
$297m 39.45%
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2028
$368m 23.74%
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2029
$453m 23.22%
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Net Margin

2024 -20.20% 56.80%
2025
13.70% 167.82%
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2026
16.84% 22.92%
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2027
19.91% 18.23%
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2028
19.03% 4.42%
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2029
19.74% 3.73%
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Earnings per share, P/E ratio and EV/sales Estimates 2025, 2026 to 2029

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Quarter Annually
Dec '24 2025
Estimates
Earnings Per Share $ -1.44 1.48
49.83% 202.78%
P/E 43.62
EV/Sales 6.69

16 Analysts have issued a Upstart Holdings forecast for earnings per share. The average Upstart Holdings EPS is

$1.48
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. This is
311.43% higher
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than earnings per share in the financial year 2024. The highest EPS forecast is
$1.69 341.43%
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, the lowest is
$1.32 288.57%
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.

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

Earnings Per Share

2024 $-1.44 49.83%
2025
$1.48 202.78%
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2026
$2.24 51.35%
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2027
$3.12 39.29%
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2028
$3.87 24.04%
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2029
$4.76 23.00%
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P/E ratio

Current -92.40 691.22%
2025
43.62 147.21%
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2026
28.87 33.81%
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2027
20.70 28.30%
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2028
16.73 19.18%
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2029
13.58 18.83%
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Based on analysts' sales estimates for 2025, the Upstart Holdings stock is valued at an EV/Sales of

and an P/S ratio of .

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

EV/Sales

Current 9.54 84.88%
2025
6.69 29.82%
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2026
5.45 18.66%
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2027
4.62 15.22%
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2028
3.57 22.73%
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2029
3.00 15.82%
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P/S ratio

Current 8.52 121.34%
2025
5.98 29.82%
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2026
4.86 18.66%
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2027
4.12 15.22%
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2028
3.19 22.73%
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2029
2.68 15.82%
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Current Upstart Holdings Upgrades & Downgrades

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Analyst Rating Action Date
Needham
Locked
Locked
Locked May 19 2025
Barclays
Locked
Locked
Locked May 12 2025
Goldman Sachs
Locked
Locked
Locked May 08 2025
Morgan Stanley
Locked
Locked
Locked May 07 2025
Piper Sandler
Locked
Locked
Locked May 07 2025
Needham
Locked
Locked
Locked May 07 2025
B of A Securities
Locked
Locked
Locked Apr 29 2025
Analyst Rating Date
Locked
Needham:
Locked
Locked
May 19 2025
Locked
Barclays:
Locked
Locked
May 12 2025
Locked
Goldman Sachs:
Locked
Locked
May 08 2025
Locked
Morgan Stanley:
Locked
Locked
May 07 2025
Locked
Piper Sandler:
Locked
Locked
May 07 2025
Locked
Needham:
Locked
Locked
May 07 2025
Locked
B of A Securities:
Locked
Locked
Apr 29 2025

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