Upstart Holdings, Inc. (UPST) Stock Forecast & Price Prediction 2025, 2030, 2040, and 2050
Track Upstart Holdings, Inc. (UPST) stock performance with short-term forecasts for 2025 and long-term UPST price prediction till 2050. Review historical trends, get analyst Buy/Sell/Hold ratings, and stay updated with the latest Upstart Holdings, Inc. headlines.
1 Month Prediction
$87.97 [-6.73%]
3 Month Prediction
$83.22 [-11.77%]
6 Month Prediction
$93.50 [-0.87%]
1 Year Prediction
$95.87 [1.64%]
3 Year Prediction
$112.16 [18.92%]
5 Year Prediction
$128.82 [36.57%]
About Upstart Holdings, Inc.
Upstart Holdings, Inc., founded in 2012 by Dave Girouard, Paul Gu, and Anna Counselman, is a financial tech company based in San Mateo, California. The company use a cloud-based artificial intelligence (AI) lending platform that partners with over 100 banks and credit unions to provide personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar loans.
Upstart Holdings, Inc. (UPST) Historical Performance
IPO Date
Upstart Holdings, Inc. (NASDAQ:UPST) went public on 16 December, 2020.
Change
Since inception, UPST has fallen from $128.86 to $94.32, a massive -26.8% decrease since 2021.
Historical Highs and Lows
In the past 4 years, the stock reached a high of $322.04 and a low of $13.22.
52 Week Range
$20.6
$94.43
The current price $94.31 is near the 52-week high, which means that the stock is overbought.
UPST Stock Price History
Based on UPST stock's historical price data, this table shows how the stock has performed in the last 4 years. Since 2021, the UPST stock has fallen from $13.22 - $157.99 to $64.75 - $94.32, which is down -51.88%. Currently, the stock follows downward trend.
Here, we have calculated stock range of UPST, indicating the highs and lows for each year, the average price based on the daily closing prices each year, and the change% from the average price.
| Year | Stock Price | Avg Price | Change% | Year Change |
|---|---|---|---|---|
| 2022 | $13.22 - $157.99 | $55.01 | -66.72 | 1 Year Change |
| 2023 | $13.9 - $68.69 | $29.26 | -82.3 | 2 Year Change |
| 2024 | $22.13 - $78.79 | $37.86 | -77.09 | 3 Year Change |
| 2025 | $64.75 - $94.32 | $79.53 | -51.88 | 4 Year Change |
UPST Price Performance
6-Month Performance
UPST stock jumped by 135.74% in the last six months.
1-Year Performance
The stock has trended upwards by 250.76% in the past year.
3-Year Performance
In the last 3 years, the stock has plummeted by 13.54%.
5-Year Performance
In the last 5 years, the stock has gone up by 51.66%.
According to Upstart Holdings, Inc.'s historical data, below graph gives us the exact picture of how the UPST stock has performed year-over-year. Here, Each bar on the graph represents a particular year that illustrates how the stock's price changed from one year to the next.
YoY Performance
In the last five years, the stock has shown positive growth in 2 years and a decline in 1 year.
2022
91.26% ↓
2023
209.08% ↑
2024
50.69% ↑
NOTE: Green bars indicate that the stock has risen compared to the previous year, while red bars show that the stock has fallen.
Upstart Holdings, Inc. (UPST) Financials & Stock Analysis
Total Revenue
Quarterly Revenue: $162.14 M (Q3)
Revenue for Q3 ending 30th September, 2024 increased 27.04% compared to Q2 ending 30th June, 2024.
Annual Revenue: $552.43 M (1Y)
Revenue for trailing 12 months increased 8.72% year over year from 31st December, 2023.
If compared to the last 5 years, the revenue has gone up from $222.05 million to $552.43 million, a 148.79% change.
Market Capitalization
Upstart Holdings, Inc. has a market capitalization of $8.82B, which places UPST in the mid-cap category.
Fundamental Analysis
EPS: $-0.07 (Q3), $-2.87 (1Y)
EPS decreased 88.71% since last quarter, and increased 119.08% since last year.
Net Income: $-6.76 M (Q3), $-240.13 M (1Y)
Net Income decreased 87.59% since last quarter, and increased 120.98% since last year.
Free Cash Flow: $176.85 M (Q3), $-172.58 M (1Y)
Free Cash Flow increased 180.86% since last quarter, and decreased 75.26% since last year.
Net Profit Margin: -4.17% (Q3), -43.47% (1Y)
Net Profit Margin decreased 90.23% since last quarter, and increased 103.26% since last year.
Below, we have listed 12 key indicators for Fundamental analysis for UPST stock. These indicators help you understand Upstart Holdings, Inc.'s financial health, earnings and growth potential, and make a decision if the stock is a good long-term investment or not.
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Technical Analysis
Here, we have listed 5 key indicators for Technical Analysis for UPST stock. These indicators help investors study past price movements and trading volumes to forecast future price changes, and find the right time when to buy, sell or hold the stock.
| Technical Indicators | Value |
|---|---|
| SMA20 | $68.51 |
| SMA50 | $68.91 |
| SMA200 | $45.36 |
| RSI | 77.92 |
| Beta | 1.98 |
SMA20 < Current Price
This signals UPST stock is in short-term bullish momentum.
SMA50 < Current Price
This signals UPST stock is in mid-term bullish momentum.
SMA200 < Current Price
This signals UPST stock is in long-term bullish momentum.
Sentiment Based on Technical Analysis
Based on 8 technical analysis indicators, the overall sentiment for UPST stock is Bullish. Out of all indicators, 5 indicates bullish signals, 4 signals bearish trends and 0 gives neutral trends. The UPST stock forecast was last updated on 16 February, 2025.
Upstart Holdings, Inc. (UPST) Stock Price Prediction and Forecast
According to short-term forecast, the stock is expected to rise to $106.17 by the end of 2025, and can reach around $19.99 to $71.99 in 2026. And, the long-term forecast suggests that the stock may further drop to $57.14 - $-8.30 in 2028, and $175.21 - $45.01 by 2031. So, the UPST stock shows a strong upward trend in the next several years.
Short-term UPST Stock Price Prediction & Forecast
| Date | Forecasted Price | Change% |
|---|---|---|
| 2025-03 | $87.97 | -6.73% |
| 2025-04 | $83.23 | -11.76% |
| 2025-05 | $83.22 | -11.77% |
| 2025-06 | $79.73 | -15.47% |
| 2025-07 | $82.50 | -12.53% |
| 2025-08 | $93.50 | -0.87% |
| 2025-09 | $92.27 | -2.17% |
| 2025-10 | $87.62 | -7.1% |
| 2025-11 | $90.78 | -3.75% |
| 2025-12 | $106.17 | 12.56% |
In 2025, the UPST stock price is expected to fluctuate between $79.73 and $106.17. According to the monthly forecast, the stock could rise to $106.17 by December 2024. If compared to the UPST's current price, the stock could gain 12.56% by the end of this year.
Long-term UPST Stock Price Prediction & Forecast
| Year | Year Start | Year Mid | Year End | Change% |
|---|---|---|---|---|
| 2026 | $19.99 | $61.52 | $71.99 | -23.67% |
| 2027 | $109.82 | $125.52 | $113.01 | 19.82% |
| 2028 | $57.14 | $78.76 | $-8.30 | -108.8% |
| 2029 | $108.78 | $135.79 | $190.63 | 102.11% |
| 2030 | $109.46 | $122.79 | $127.68 | 35.37% |
| 2031 | $175.21 | $171.85 | $45.01 | -52.28% |
| 2032 | $82.12 | $165.10 | $138.65 | 47.0% |
| 2033 | $179.17 | $153.58 | $131.74 | 39.67% |
| 2034 | $129.60 | $259.82 | $129.86 | 37.68% |
| 2035 | $137.28 | $155.16 | $248.46 | 163.42% |
| 2036 | $132.57 | $215.32 | $272.69 | 189.11% |
| 2037 | $251.81 | $186.77 | $132.92 | 40.92% |
| 2038 | $104.71 | $274.35 | $231.35 | 145.28% |
| 2039 | $185.74 | $218.47 | $214.43 | 127.34% |
| 2040 | $152.90 | $129.35 | $146.10 | 54.9% |
| 2041 | $135.37 | $225.09 | $164.46 | 74.36% |
| 2042 | $120.47 | $278.60 | $333.01 | 253.06% |
| 2043 | $269.29 | $213.15 | $153.18 | 62.4% |
| 2044 | $263.77 | $321.40 | $356.26 | 277.71% |
| 2045 | $74.23 | $257.36 | $224.23 | 137.73% |
| 2046 | $301.39 | $261.89 | $230.53 | 144.41% |
| 2047 | $323.26 | $234.28 | $250.11 | 165.17% |
| 2048 | $252.15 | $121.72 | $118.04 | 25.15% |
| 2049 | $292.98 | $517.96 | $241.51 | 156.05% |
| 2050 | $335.84 | $278.96 | $334.75 | 254.91% |
| 2051 | $249.62 | $168.64 | $143.80 | 52.46% |
Upstart Holdings, Inc. (UPST) Stock Price Prediction & Forecast 2025
At the start of 2025, the UPST stock was at $64.75. Today, it is trading at $94.32, which is 45.68% increase from price at the beginning of the year. By the end of this year, you can expect the stock to reach to $106.17 by December 2025 with a 12.56% change.
Upstart Holdings, Inc. (UPST) Stock Price Prediction & Forecast 2026 - 2030
In the next five years, there will be a significant appreciation in the UPST stock. During this period, the UPST's price is forecasted to shift from $19.99 to $127.68, which is 538.72% gain.
In 2026, the stock would possibly open at $19.99, escalates to $61.52 by mid-year, and wraps up at $71.99, reflecting a decrease from today's price. Further moving to 2030, the stock can kick off the year at $109.46, soar to $122.79 by mid-year, and finish at $127.68, which is 35.37% change from current price.
Upstart Holdings, Inc. (UPST) Stock Price Prediction & Forecast 2031 - 2040
During this period, the stock would move from $175.21 to $146.10, which is down -52.28%
In 2031, we can expect UPST to fluctuate between $45.01 and $175.21, a shift indicating a -52.28% loss by year-end compared to current price. And Until 2040, UPST can likely vary from $146.10 to $152.90. By the end of 2040, the stock could record a 54.90% rise from today's stock price.
Upstart Holdings, Inc. (UPST) Stock Price Prediction & Forecast 2041 - 2050
According to long-term forecast, the UPST stock can see an an upturn from $135.37 to $334.75 in this period. In 2041, the stock can experience a high of $225.09 by mid-year, closing the year at $164.46. This results in a 138.65% increase from today.
Moving towards the end of 2050, UPST is projected to open the year at $335.84. The stock may dip to $278.96 during mid-year and finish the year at $334.75. Compared to the stock's current price, this translates to an overall gain of 254.91% by 2050.
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UPST Competitors
| Ticker | Company | Market Cap | Price | 1m Change | Forecast |
|---|---|---|---|---|---|
| PYPL | PayPal Holdings, Inc. | - | $76.59 | -13.54% ▼ | $91.24 ▲ |
Last updated Feb 16 at 9:15 PM
UPST : Buy, Sell Or Hold?
Analyst Ratings
Based on 13 analysts, 1 rated as a strong buy, 3 recommended a buy, 6 suggested a hold, 1 advised a sell, and 2 indicated a strong sell.Three months ago, out of 13 analysts, 0 analysts gave a strong buy rating, 1 a buy rating, 9 a hold rating, 1 advised selling, and 2 suggested a strong sell.So, according to analyst ratings, the recommendation for UPST stock is Hold.
Expert Analysis
According to UPST short-term and long-term forecast, Upstart Holdings, Inc. shares are projected to go up by 254.91%, and reach a value of $334.75 per share by 2050.
As per technical analysis, indicators show a Bullish sentiment, while Fear & Greed Index stands at 85.71428571428571, which signals Greed. Also, UPST has recorded 14/30 green days, which reflects a 63.63636363636363% positivity rate with a price volatility of 0.07%.
Plus, Price-to-Earnings (P/E) ratio of 0 suggests that UPST stock is undervalued. So, Based on UPST prediction and analysis, it may be the best time to buy UPST stock right now.
Disclaimer: Stock predictions, forecasts and price targets provided for "UPST” are solely for informational and educational purposes and should not be treated as investment or financial advice. Always conduct your own research or consider consulting with a financial advisor before making any investment decisions.