AI PRICE FORECAST
UPST Stock Forecast & AI Price Prediction
Upstart Holdings · Financial Services · Credit Services
UPST live signal snapshot
UPST last traded at $20.56, up 0.73% on the session, trading 60.5% below its 52-week high of $52.10 and 4.3% above its 52-week low of $19.71. Stock Pulse 247's AI model currently rates UPST a SELL, at 82% model confidence. Short-term momentum is deteriorating: the 5-, 10- and 20-day moving averages are stacked downward and price is holding below the 50-day average. The model's one-month path points toward roughly $20.03 (-2.6% from here).
On the 14-day relative strength index, UPST reads 36.7, drifting toward the 30 line that marks oversold conditions. Its MACD line is below its signal line with a negative histogram (-0.19) — downward momentum is accelerating. The 50-day moving average ($24.06) sits 16.7% below the 200-day ($28.90) — a "death cross" structure that typically confirms longer-term downward pressure.
The average 12-month target from 16 Wall Street analysts is $31.19 (range $18.00–$46.00) — 51.7% upside from where UPST trades now. The current recommendation trend leans bullish: 8 Buy/Strong Buy ratings vs 1 Sell/Strong Sell (and 7 Hold).
Live figures from real market data feeds, current as of the last site build. Open the interactive UPST dashboard for numbers updated throughout today's session.
About Upstart Holdings
Upstart Holdings, Inc. (UPST) is a credit services company in the financial services sector, headquartered in San Mateo, CA, United States. Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. It has a market value of about $2.0 billion and roughly 1,405 full-time employees. With a beta of 2.43, the stock has historically swung more than the overall market.
UPST performance vs. the market
Since the start of 2026 the stock has fallen 53.0%, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). On a one-year view it is down 47.0%, 58.5 points worse than the S&P 500. The last month (−13.7%) continues the three-month decline (−33.6%).
| Period | UPST | Sector (XLF) | S&P 500 |
|---|---|---|---|
| 1 month | −13.7% | +7.0% | −2.3% |
| 3 months | −33.6% | +0.6% | −2.3% |
| Year to date | −53.0% | +7.0% | +11.4% |
| 1 year | −47.0% | +10.7% | +11.5% |
Upstart Holdings financials at a glance
In the quarter ended Sep 30, 2026, Upstart Holdings reported revenue of $371 million and net income of $37 million (a 9.9% net margin). Revenue was up 34.1% from the same quarter a year earlier. The stock trades at a price-to-earnings ratio of 33.7 on trailing earnings of $0.61 per share. Trailing free cash flow was $115 million, and total debt equals 238% of shareholders' equity.
| Quarter ended | Revenue | Net income |
|---|---|---|
| Sep 30, 2026 | $371M | $37M |
| Jun 30, 2026 | $365M | $17M |
| Mar 31, 2026 | $308M | −$7M |
| Dec 31, 2025 | $296M | $19M |
UPST vs. its peers
Against 5 of its largest financial services peers, UPST's −53.0% year-to-date return beats 0 of them. The strongest of the group this year is Visa (V, +21.3%).
| Company | Price | YTD | P/E | AI verdict |
|---|---|---|---|---|
| Upstart Holdings (UPST) | $20.56 | −53.0% | 33.7 | SELL |
| Visa (V) | $425.55 | +21.3% | 34.5 | BUY |
| Mastercard (MA) | $660.73 | +15.7% | 34.6 | BUY |
| American Express (AXP) | $323.11 | −12.7% | 18.2 | HOLD |
| Capital One Financial (COF) | $197.11 | −18.7% | 12.1 | SELL |
| PayPal Holdings (PYPL) | $59.48 | +1.9% | 11.4 | BUY |
UPST stock: common questions
What is the UPST stock price target?
16 Wall Street analysts put the average 12-month target at $31.19, in a range of $18.00–$46.00, versus a recent price of $20.56. Stock Pulse 247's model projects about $20.03 over the next month.
Is UPST a buy right now?
Our AI model currently rates UPST a SELL at 82% confidence. Among analysts, 8 rate it Buy or Strong Buy, 7 Hold and 1 Sell. Neither is personal advice — weigh them with your own research and risk tolerance.
How has UPST stock performed this year?
Since the start of 2026 the stock has fallen 53.0%, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). On a one-year view it is down 47.0%, 58.5 points worse than the S&P 500. The last month (−13.7%) continues the three-month decline (−33.6%).
What is UPST's 52-week high and low?
UPST has traded between $19.71 and $52.10 over the past 52 weeks; at $20.56 it is 60.5% below its 52-week high of $52.10 and 4.3% above its 52-week low of $19.71.
What sector is UPST in, and who are its peers?
UPST is in the financial services sector (credit services). Its largest peers on Stock Pulse 247 include Visa (V), Mastercard (MA), American Express (AXP), Capital One Financial (COF).
How accurate is the UPST forecast?
It's a model estimate from price history, technical indicators and analyst targets, not a guarantee — no model predicts short-term moves reliably. Use it as one input alongside your own research.
How this works: the forecast combines UPST's price history, momentum indicators (RSI, MACD, moving averages), volatility and analyst targets into one estimate. It's a model, not a guarantee.