$46.03
2.66% yesterday
Nasdaq, Mar 31, 10:13 pm CET
ISIN
US91680M1071
Symbol
UPST

Upstart Holdings Target price 2025 - Analyst rating & recommendation

Upstart Holdings Classifications & Recommendation:

Buy
35%
Hold
35%
Sell
29%

Upstart Holdings Price Target

Target Price $76.43
Price $46.03
Potential
Number of Estimates 14
14 Analysts have issued a price target Upstart Holdings 2026 . The average Upstart Holdings target price is $76.43. This is higher than the current stock price. The highest price target is , the lowest is .
A rating was issued by 17 analysts: 6 Analysts recommend Upstart Holdings to buy, 6 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 Buy or hold.

Sales and Margin forecast 2025, 2026 to 2028

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Quarter Annually
Dec '24 2025
Estimates
Revenue Million $ 636.53 1,007.43
23.94% 58.27%
EBITDA Margin -23.93% 18.59%
46.95% 177.69%
Net Margin -21.15% 0.71%
59.52% 103.36%

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

$1.0b
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. This is
58.27% 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
$995m 56.32%
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.

This results in the following potential growth metrics:

Revenue Estimates

2024 $637m 23.94%
2025
$1.0b 58.27%
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2026
$1.2b 23.40%
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2027
$1.5b 19.55%
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2028
$1.9b 30.08%
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11 Analysts have issued an Upstart Holdings EBITDA forecast 2025. The average Upstart Holdings EBITDA estimate is

$187m
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. This is
222.96% 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
$164m 207.71%
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.

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

EBITDA Estimates

2024 $-152m 34.24%
2025
$187m 222.96%
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2026
$292m 56.03%
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2027
$379m 29.60%
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2028
$460m 21.52%
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EBITDA Margin

2024 -23.93% 46.95%
2025
18.59% 177.69%
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2026
23.51% 26.47%
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2027
25.48% 8.38%
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2028
23.80% 6.59%
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11 Upstart Holdings Analysts have issued a net profit forecast 2025. The average Upstart Holdings net profit estimate is

$7.2m
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. This is
105.25% 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
$-15.2m 88.84%
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.

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

Net Profit Estimates

2024 $-135m 49.83%
2025
$7.2m 105.33%
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2026
$83.9m 1,070.43%
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2027
$123m 46.63%
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2028
$213m 72.98%
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Net Margin

2024 -21.15% 59.52%
2025
0.71% 103.36%
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2026
6.75% 850.70%
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2027
8.28% 22.67%
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2028
11.01% 32.97%
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Earnings per share, P/E ratio and EV/sales Estimates 2025, 2026 to 2028

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Quarter Annually
Dec '24 2025
Estimates
Earnings Per Share $ -1.44 0.08
49.83% 105.56%
P/E 616.68
EV/Sales 4.96

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

$0.08
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. This is
105.48% higher
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than earnings per share in the financial year 2024. The highest EPS forecast is
$0.40 127.40%
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, the lowest is
$-0.16 89.04%
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.

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

Earnings Per Share

2024 $-1.44 49.83%
2025
$0.08 105.56%
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2026
$0.90 1,025.00%
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2027
$1.32 46.67%
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2028
$2.28 72.73%
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P/E ratio

Current -32.32 259.11%
2025
616.68 2,008.04%
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2026
52.67 91.46%
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2027
35.92 31.80%
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2028
20.77 42.18%
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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 7.85 32.83%
2025
4.96 36.84%
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2026
4.02 18.96%
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2027
3.36 16.36%
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2028
2.58 23.13%
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P/S ratio

Current 6.96 58.39%
2025
4.40 36.82%
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2026
3.56 18.96%
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2027
2.98 16.35%
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2028
2.29 23.13%
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Current Upstart Holdings Upgrades & Downgrades

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Analyst Rating Action Date
Barclays
Locked
Locked
Locked Feb 18 2025
Morgan Stanley
Locked
Locked
Locked Feb 14 2025
Citigroup
Locked
Locked
Locked Feb 13 2025
Needham
Locked
Locked
Locked Feb 12 2025
JP Morgan
Locked
Locked
Locked Feb 12 2025
B. Riley Securities
Locked
Locked
Locked Feb 12 2025
Piper Sandler
Locked
Locked
Locked Feb 12 2025
Analyst Rating Date
Locked
Barclays:
Locked
Locked
Feb 18 2025
Locked
Morgan Stanley:
Locked
Locked
Feb 14 2025
Locked
Citigroup:
Locked
Locked
Feb 13 2025
Locked
Needham:
Locked
Locked
Feb 12 2025
Locked
JP Morgan:
Locked
Locked
Feb 12 2025
Locked
B. Riley Securities:
Locked
Locked
Feb 12 2025
Locked
Piper Sandler:
Locked
Locked
Feb 12 2025

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