Loading…
Upstart Holdings, Inc. is projected to rise to $37.25 by 2027, a +14% move from its current price of $32.74. UPST is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean sell.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 7/12/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Jul 13 | $31.76 | $32.75 | $33.78 | +0.04% |
| Jul 14 | $31.37 | $32.77 | $34.23 | +0.08% |
| Jul 15 | $31.08 | $32.78 | $34.58 | +0.13% |
| Jul 16 | $30.83 | $32.79 | $34.88 | +0.17% |
| Jul 17 | $30.62 | $32.81 | $35.15 | +0.21% |
| Jul 18 | $30.43 | $32.82 | $35.40 | +0.25% |
| Jul 19 | $30.26 | $32.84 | $35.63 | +0.29% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $30.26 | $32.84 | $35.63 | +0.29% |
| Week 2 | $29.34 | $32.93 | $36.96 | +0.59% |
| Week 3 | $28.67 | $33.03 | $38.04 | +0.88% |
| Week 4 | $28.14 | $33.12 | $39.00 | +1.18% |
| Week 5 | $27.68 | $33.22 | $39.87 | +1.47% |
| Week 6 | $27.28 | $33.32 | $40.69 | +1.77% |
| Week 7 | $26.93 | $33.42 | $41.47 | +2.07% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other.
Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
UPST is the asset being analyzed and is currently trading at $31.81. The symbol for the stock is UPST and investors can view it on the market screens where the current price is shown as $31.81.
The market position shows a market cap of $3.04B and a rank of 1734. These metrics place the stock within a broad market context and reflect its standing among listed equities.
The overall price outlook from the provided forecast indicates a bullish arc from 2029 onward, with higher average prices and rising ROIs. For example, 2029 is expected to have an avg of $45.33 with ROI of 42.5%, and 2030 an avg of $57.36 with ROI of 80.3%; the trajectory continues to 2040 (avg $111.90, ROI 251.8%) and 2050 (avg $245.15, ROI 670.7%).
A major floor 26.0% below — a decisive break under it would weaken the trend.
The nearest floor, 9.2% below — buyers have tended to step in here.
The nearest ceiling, 9.2% above — a clean break opens room to run.
A major ceiling 18.3% above — clearing it would confirm fresh momentum.
Key UPST support and resistance from recent price action — levels where the trend has historically paused or reversed. Percentages are the distance from the current price.
A snapshot of UPST market posture derived from its technical indicators and recent volatility. Higher trend and alignment lean bullish; higher risk means larger swings.
Technical Analysis
Indicators computed on daily closing prices.
| Period | SMA | Action | EMA | Action |
|---|---|---|---|---|
| MA 5 | $33.03 | Sell | $33.11 | Sell |
| MA 10 | $33.98 | Sell | $33.28 | Sell |
| MA 20 | $32.90 | Sell | $32.91 | Sell |
| MA 50 | $31.32 | Buy | $32.02 | Buy |
| MA 100 | $30.02 | Buy | $33.16 | Sell |
| MA 200 | $37.90 | Sell | $37.88 | Sell |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 50.53 | Neutral |
| Stoch RSI (14) | 20.51 | Neutral |
| CCI (20) | -8.76 | Neutral |
| Williams %R (14) | -67.87 | Info |
| MACD (12,26,9) | -0.18 | Sell |
| ROC (12) | 4.07 | Buy |
| Bollinger %B (20,2) | 0.47 | Neutral |
| Stochastic %K (14) | 32.13 | Neutral |
| TRIX (15) | 0.36 | Buy |
| Awesome (5,34) | 0.86 | Buy |
| Ultimate (7,14,28) | 37.64 | Neutral |
| Momentum (10) | -0.23 | Sell |
| Aroon Osc (25) | 68.00 | Buy |
| Hull MA (9) | 32.03 | Buy |
| ADX (14) | 10.86 | Neutral |
| ATR (14) | 0.97 | Info |
The 30-day technical picture is NEUTRAL, with RSI14 listed at 50, implying neither overbought nor oversold conditions.
Near-term momentum is reflected by the SMA50 at $31.32 and the SMA200 at $38.23, suggesting upside pressure could emerge as the shorter-term average sits above or near the price while the longer-term average remains higher.
Key support and resistance levels are identified at $29.74 and $35.74 respectively, with the 30-day trading range spanning from $25.87 to $39.11, highlighting a broad range of potential move levels over the near term.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $24.22 | $32.74 | $42.02 | 0% | Neutral | |
| $29.30 | $37.25 | $50.32 | +14% | Neutral | |
| $29.97 | $39.35 | $55.37 | +20% | Bullish | |
| $36.38 | $49.05 | $71.26 | +50% | Bullish | |
| $45.41 | $62.67 | $93.54 | +91% | Bullish | |
| $45.37 | $63.98 | $97.74 | +95% | Bullish | |
| $50.37 | $72.47 | $113.05 | +121% | Bullish | |
| $52.74 | $77.33 | $122.94 | +136% | Bullish | |
| $49.36 | $73.70 | $119.21 | +125% | Bullish | |
| $60.99 | $92.65 | $152.30 | +183% | Bullish | |
| $78.45 | $128.95 | $226.70 | +294% | Bullish | |
| $151.93 | $286.78 | $555.68 | +776% | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| July 2026 | $24.22 | $32.74 | $38.75 | +0.00% |
| August 2026 | $27.90 | $33.05 | $40.27 | +0.94% |
| September 2026 | $28.49 | $34.01 | $41.97 | +2.91% |
| October 2026 | $27.70 | $33.30 | $41.52 | -2.10% |
| November 2026 | $26.87 | $32.49 | $40.86 | -2.43% |
| December 2026 | $27.26 | $33.14 | $42.02 | +2.01% |
Click any year to see its month-by-month UPST forecast. Min / Avg / Max are a bear / base / bull scenario; ROI is the projected move from the current price. Change is the month-over-month move in the average. Estimates, not guarantees.
In 2026, UPST is projected to trade between $24.22 and $42.02, averaging $32.74 — a potential gain of 0% from today's $32.74. A consolidation phase looks the most probable path here.
Upstart Holdings, Inc.'s 2027 outlook centres on $37.25, within a $29.30 to $50.32 range. That is up +14% on the projected 2026 average. That marks a +14% change versus current levels. Price action looks broadly range-bound.
By 2028, UPST could reach as high as $55.37, with a base case around $39.35 and support toward $29.97 — roughly +20% from $32.74. Buyers look set to stay in control over this stretch.
Expect UPST to range from $36.38 to $71.26 through 2029. The $49.05 average target implies a +50% move from current prices. That is up +25% on the projected 2028 average. Momentum favours further upside here.
The UPST price prediction for 2030 points to an average of $62.67 (low $45.41, high $93.54) — a potential gain of +91% on today's $32.74. Buyers look set to stay in control over this stretch.
In 2031, UPST is projected to trade between $45.37 and $97.74, averaging $63.98 — a potential gain of +95% from today's $32.74. That is up +2% on the projected 2030 average. Momentum favours further upside here.
Upstart Holdings, Inc.'s 2032 outlook centres on $72.47, within a $50.37 to $113.05 range. That is up +13% on the projected 2031 average. That marks a +121% change versus current levels. Buyers look set to stay in control over this stretch.
By 2033, UPST could reach as high as $122.94, with a base case around $77.33 and support toward $52.74 — roughly +136% from $32.74. Momentum favours further upside here.
Expect UPST to range from $49.36 to $119.21 through 2034. The $73.70 average target implies a +125% move from current prices. That is -5% versus the projected 2033 average. Buyers look set to stay in control over this stretch.
The UPST price prediction for 2035 points to an average of $92.65 (low $60.99, high $152.30) — a potential gain of +183% on today's $32.74. Momentum favours further upside here.
In 2040, UPST is projected to trade between $78.45 and $226.70, averaging $128.95 — a potential gain of +294% from today's $32.74. That is up +39% on the projected 2035 average. Buyers look set to stay in control over this stretch.
Upstart Holdings, Inc.'s 2050 outlook centres on $286.78, within a $151.93 to $555.68 range. That is up +122% on the projected 2040 average. That marks a +776% change versus current levels. Momentum favours further upside here.
Investing $1,000 in UPST today (≈ 30.543677 UPST) could be worth
$8,759.39
+$7,759.39 (+776%) by 2050 · US Dollar
Based on the average projected UPST price of $286.78 in 2050.
Based on the base (average) forecast scenario. FX rates are indicative. Estimates only — not financial advice.
See what a past investment in UPSTwould be worth at today's price.
$1,000 invested in UPST on Jul 10, 2025 (≈ 12.653423 UPST) would be worth
$414.27
-$585.73 (-58.6%) today · 0.41× · US Dollar
Based on a UPST entry price of $79.03 vs. today's $32.74.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $34.78 | $941.35 | -5.9% |
| 1 month ago | $30.3 | $1,080.53 | +8.1% |
| 3 months ago | $27.26 | $1,201.03 | +20.1% |
| 6 months ago | $45.25 | $723.54 | -27.6% |
| 1 year ago | $79.03 | $414.27 | -58.6% |
| All time (5.0y) ago | $119.38 | $274.25 | -72.6% |
Past performance from historical market data — it does not predict future results. FX rates are indicative. Not financial advice.
Enter a price to see how it sits against our UPST forecast.
Our base-case forecast reaches $65.00 around 2032.
Implied market cap at $65.00: $6.22B
The long-term forecast shows a bullish trajectory continuing through 2035 and beyond, with rising average prices and substantial ROIs across the horizon.
From 2026 through 2028, the avg prices are projected at $31.81, $35.34, and $36.95 respectively, with ROIs of 0%, 11.1%, and 16.1% and a neutral sentiment. The forecast then shifts to stronger gains: 2029 avg $45.33 (ROI 42.5%), 2030 avg $57.36 (ROI 80.3%), 2031 avg $58.48 (ROI 83.8%), 2032 avg $65.92 (ROI 107.2%), 2033 avg $69.39 (ROI 118.1%), 2034 avg $65.50 (ROI 105.9%), and 2035 avg $81.87 (ROI 157.4%), all with a bullish sentiment.
Further out, 2040 is seen at avg $111.90 (ROI 251.8%) and 2050 at avg $245.15 (ROI 670.7%), both with bullish sentiment. These are estimates and not guarantees, reflecting potential paths under varying market conditions.
Tap a question to reveal the answer.
In 2030 the forecast shows an avg price of $57.36 with a max of $85.93 and a min of $41.42, and a ROI of 80.3% with a bullish sentiment.
Forecasts show bullish sentiment from 2029 onward with higher avg prices and ROIs (e.g., 2030 avg $57.36, ROI 80.3%; 2050 avg $245.15, ROI 670.7%). However these are estimates, not guarantees.
Yes—the max forecast shows $103.27 in 2032, $110.80 in 2033, and $135.22 in 2035, with higher max levels in later years such as $197.80 in 2040 and $478.08 in 2050.
Current price is $31.81 and market cap is $3.04B.
Sentiment NEUTRAL; RSI14 is 50. SMA50 is $31.32 and SMA200 is $38.23. Support is $29.74 and resistance is $35.74. The 30-day range spans from $25.87 to $39.11.
Upstart Holdings, Inc. Community Discussion
0Share your Upstart Holdings, Inc. price prediction and read what the community thinks. Be respectful — comments are public and not financial advice.
Be the first to share your prediction…
What's your take? Add a comment above to start the conversation.