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Upstart Holdings, Inc. is projected to decline to $29.93 by 2027, a -3% move from its current price of $30.72. UPST is currently trading above its 50-day average (a bullish sign). Technical indicators currently lean buy.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 5/28/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| May 29 | $29.68 | $30.72 | $31.80 | +0.01% |
| May 30 | $29.27 | $30.73 | $32.27 | +0.03% |
| May 31 | $28.95 | $30.73 | $32.63 | +0.04% |
| Jun 1 | $28.69 | $30.74 | $32.93 | +0.06% |
| Jun 2 | $28.46 | $30.74 | $33.21 | +0.07% |
| Jun 3 | $28.25 | $30.75 | $33.46 | +0.09% |
| Jun 4 | $28.07 | $30.75 | $33.69 | +0.10% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $28.07 | $30.75 | $33.69 | +0.10% |
| Week 2 | $27.05 | $30.78 | $35.03 | +0.21% |
| Week 3 | $26.31 | $30.81 | $36.09 | +0.31% |
| Week 4 | $25.70 | $30.85 | $37.03 | +0.41% |
| Week 5 | $25.17 | $30.88 | $37.87 | +0.51% |
| Week 6 | $24.71 | $30.91 | $38.66 | +0.62% |
| Week 7 | $24.30 | $30.94 | $39.40 | +0.72% |
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.
Upstart Holdings, Inc. (UPST) is currently priced at $30.62. It has a market cap of $2.93B and is ranked 1772. The forecast shows a path of growth with 2026 average price $30.62, 2030 average $40.74, and 2050 average $126.72, with ROI values of 0, 33, and 313.8 respectively. The 30-day range is $24.22 to $38.72.
A major floor 25.2% below — a decisive break under it would weaken the trend.
The nearest floor, 12.1% below — buyers have tended to step in here.
The nearest ceiling, 13.5% above — a clean break opens room to run.
A major ceiling 56.6% 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 | $29.52 | Buy | $29.77 | Buy |
| MA 10 | $28.98 | Buy | $29.45 | Buy |
| MA 20 | $29.55 | Buy | $29.59 | Buy |
| MA 50 | $29.16 | Buy | $30.31 | Buy |
| MA 100 | $33.17 | Sell | $33.60 | Sell |
| MA 200 | $42.99 | Sell | $39.74 | Sell |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 54.53 | Neutral |
| Stoch RSI (14) | 100.00 | Sell |
| CCI (20) | 61.38 | Neutral |
| Williams %R (14) | 0.00 | Info |
| MACD (12,26,9) | 0.12 | Buy |
| ROC (12) | 6.08 | Buy |
| Bollinger %B (20,2) | 0.69 | Neutral |
| Stochastic %K (14) | 100.00 | Sell |
| TRIX (15) | -0.14 | Sell |
| Awesome (5,34) | -1.05 | Sell |
| Ultimate (7,14,28) | 59.23 | Neutral |
| Momentum (10) | 2.88 | Buy |
| Aroon Osc (25) | -60.00 | Sell |
| Hull MA (9) | 30.12 | Buy |
| ADX (14) | 12.89 | Neutral |
| ATR (14) | 0.88 | Info |
The near-term technical picture is bullish, with RSI14 at 50. The 50-day simple moving average is $29.10 and the 200-day simple moving average is $43.18. Support is at $26.99 and resistance is at $34.86. The thirty-day price range spans from $24.22 to $38.72. Annualized volatility is 70%.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $24.22 | $30.72 | $37.96 | 0% | Neutral | |
| $23.13 | $29.93 | $41.37 | -3% | Neutral | |
| $23.94 | $32.10 | $46.33 | +4% | Neutral | |
| $23.77 | $32.83 | $49.04 | +7% | Neutral | |
| $28.50 | $40.42 | $62.14 | +32% | Bullish | |
| $30.61 | $44.49 | $70.12 | +45% | Bullish | |
| $30.44 | $45.27 | $72.97 | +47% | Bullish | |
| $29.67 | $45.09 | $74.17 | +47% | Bullish | |
| $27.73 | $43.04 | $72.12 | +40% | Bullish | |
| $30.92 | $48.95 | $83.46 | +59% | Bullish | |
| $37.89 | $65.78 | $120.51 | +114% | Bullish | |
| $61.09 | $125.10 | $254.24 | +307% | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| May 2026 | $24.22 | $30.72 | $36.04 | +0.00% |
| June 2026 | $25.58 | $30.21 | $36.66 | -1.66% |
| July 2026 | $26.08 | $31.13 | $38.42 | +3.06% |
| August 2026 | $25.86 | $31.14 | $38.92 | +0.01% |
| September 2026 | $24.59 | $29.81 | $37.65 | -4.27% |
| October 2026 | $24.18 | $29.50 | $37.62 | -1.03% |
| November 2026 | $24.46 | $30.01 | $38.59 | +1.73% |
| December 2026 | $23.75 | $29.30 | $37.96 | -2.38% |
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 $37.96, averaging $30.72 — a potential gain of 0% from today's $30.72. A consolidation phase looks the most probable path here.
Upstart Holdings, Inc.'s 2027 outlook centres on $29.93, within a $23.13 to $41.37 range. That is -3% versus the projected 2026 average. That marks a -3% change versus current levels. Price action looks broadly range-bound.
By 2028, UPST could reach as high as $46.33, with a base case around $32.10 and support toward $23.94 — roughly +4% from $30.72. A consolidation phase looks the most probable path here.
Expect UPST to range from $23.77 to $49.04 through 2029. The $32.83 average target implies a +7% move from current prices. That is up +2% on the projected 2028 average. Price action looks broadly range-bound.
The UPST price prediction for 2030 points to an average of $40.42 (low $28.50, high $62.14) — a potential gain of +32% on today's $30.72. Buyers look set to stay in control over this stretch.
In 2031, UPST is projected to trade between $30.61 and $70.12, averaging $44.49 — a potential gain of +45% from today's $30.72. That is up +10% on the projected 2030 average. Momentum favours further upside here.
Upstart Holdings, Inc.'s 2032 outlook centres on $45.27, within a $30.44 to $72.97 range. That is up +2% on the projected 2031 average. That marks a +47% change versus current levels. Buyers look set to stay in control over this stretch.
By 2033, UPST could reach as high as $74.17, with a base case around $45.09 and support toward $29.67 — roughly +47% from $30.72. Momentum favours further upside here.
Expect UPST to range from $27.73 to $72.12 through 2034. The $43.04 average target implies a +40% 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 $48.95 (low $30.92, high $83.46) — a potential gain of +59% on today's $30.72. Momentum favours further upside here.
In 2040, UPST is projected to trade between $37.89 and $120.51, averaging $65.78 — a potential gain of +114% from today's $30.72. That is up +34% on the projected 2035 average. Buyers look set to stay in control over this stretch.
Upstart Holdings, Inc.'s 2050 outlook centres on $125.10, within a $61.09 to $254.24 range. That is up +90% on the projected 2040 average. That marks a +307% change versus current levels. Momentum favours further upside here.
Investing $1,000 in UPST today (≈ 32.552083 UPST) could be worth
$4,072.2
+$3,072.2 (+307%) by 2050 · US Dollar
Based on the average projected UPST price of $125.1 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 May 27, 2025 (≈ 20.981956 UPST) would be worth
$644.57
-$355.43 (-35.5%) today · 0.64× · US Dollar
Based on a UPST entry price of $47.66 vs. today's $30.72.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $28.84 | $1,065.19 | +6.5% |
| 1 month ago | $33.11 | $927.82 | -7.2% |
| 3 months ago | $29.67 | $1,035.39 | +3.5% |
| 6 months ago | $44.96 | $683.27 | -31.7% |
| 1 year ago | $47.66 | $644.57 | -35.5% |
| All time (5.0y) ago | $144.49 | $212.61 | -78.7% |
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 $61.00 around 2040.
Implied market cap at $61.00: $5.84B
The multi-year forecast shows a rising trajectory from 2026 through 2050. In 2026 the avg price is $30.62 with ROI 0 and a Neutral sentiment. By 2030 the avg price is $40.74 with ROI 33 and a bullish stance.
The year-by-year path toward the mid-2030s remains bullish, with 2031 avg $44.89 (ROI 46.6), 2032 avg $45.52 (ROI 48.6), 2033 avg $45.37 (ROI 48.2), 2034 avg $43.23 (ROI 41.2), and 2035 avg $49.36 (ROI 61.2). Looking further out, 2040 shows an avg of $66.46 (ROI 117.1) and 2050 an avg of $126.72 (ROI 313.8). The sentiment remains bullish in these later years.
These figures are estimates and not guarantees.
Tap a question to reveal the answer.
In 2030, the forecast shows an average price of $40.74 with ROI 33 and a bullish sentiment.
The forecast includes a path toward higher averages from 2030 onward with a bullish sentiment and an average price of $40.74 in 2030 (ROI 33) and $66.46 in 2040 (ROI 117.1), though near-term years such as 2027 show a negative ROI (-2.6).
The 2050 forecast max is $261.00, with an average of $126.72 and ROI 313.8, indicating substantial upside potential within the forecast horizon.
The current price is $30.62 and the market cap is $2.93B.
The 30-day range is $24.22 to $38.72.
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