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Upstart Holdings, Inc. is projected to rise to $30.05 by 2027, a +11% move from its current price of $27.04. UPST is currently trading below its 50-day average (a bearish sign). Technical indicators currently lean strong sell.
A data-driven summary — not financial advice. See the full breakdown below.
Live market data via Yahoo Finance · updated 7/31/2026
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Aug 1 | $26.34 | $27.05 | $27.77 | +0.02% |
| Aug 2 | $26.07 | $27.05 | $28.07 | +0.04% |
| Aug 3 | $25.85 | $27.06 | $28.32 | +0.06% |
| Aug 4 | $25.68 | $27.06 | $28.52 | +0.08% |
| Aug 5 | $25.52 | $27.07 | $28.70 | +0.10% |
| Aug 6 | $25.39 | $27.07 | $28.87 | +0.12% |
| Aug 7 | $25.26 | $27.08 | $29.03 | +0.14% |
| Period | Min | Prediction | Max | Change |
|---|---|---|---|---|
| Week 1 | $25.26 | $27.08 | $29.03 | +0.14% |
| Week 2 | $24.58 | $27.12 | $29.92 | +0.29% |
| Week 3 | $24.08 | $27.16 | $30.63 | +0.43% |
| Week 4 | $23.67 | $27.20 | $31.25 | +0.58% |
| Week 5 | $23.32 | $27.24 | $31.81 | +0.72% |
| Week 6 | $23.01 | $27.27 | $32.33 | +0.87% |
| Week 7 | $22.73 | $27.31 | $32.82 | +1.01% |
Short-term targets derived from the forecast trend and recent volatility. Highly uncertain — not financial advice.
Upstart Holdings, Inc. operates a cloud-based artificial intelligence lending platform in the United States. The company serves three segments—Personal Lending, Auto Lending, and Other—with a platform that includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, auto secured personal loan, and home equity lines of credit.
Upstart was founded in 2012 and is headquartered in San Mateo, California.
Upstart Holdings, Inc. (UPST) is currently trading at $26.93 with a market cap of $2.58B, and it ranks 1749 by market capitalization. The current price places it within a broader forecast trajectory that shows growth in average values across the coming years.
The 2026 forecast average is $26.93, with a range from $24.22 to $33.56 and a neutral sentiment, indicating no expected ROI in that year.
A major floor 23.6% below — a decisive break under it would weaken the trend.
Price is testing support right now (1.6% away) — a key level to hold.
The nearest ceiling, 32.2% above — a clean break opens room to run.
A major ceiling 44.0% 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 | $27.18 | Sell | $27.33 | Sell |
| MA 10 | $27.97 | Sell | $28.16 | Sell |
| MA 20 | $30.27 | Sell | $29.45 | Sell |
| MA 50 | $31.12 | Sell | $30.59 | Sell |
| MA 100 | $30.02 | Sell | $32.10 | Sell |
| MA 200 | $36.15 | Sell | $36.71 | Sell |
| Name | Value | Action |
|---|---|---|
| RSI (14) | 35.93 | Neutral |
| Stoch RSI (14) | 26.22 | Neutral |
| CCI (20) | -93.72 | Neutral |
| Williams %R (14) | -91.41 | Info |
| MACD (12,26,9) | -0.42 | Sell |
| ROC (12) | -14.75 | Sell |
| Bollinger %B (20,2) | 0.18 | Neutral |
| Stochastic %K (14) | 8.59 | Buy |
| TRIX (15) | -0.43 | Sell |
| Awesome (5,34) | -4.10 | Sell |
| Ultimate (7,14,28) | 26.82 | Buy |
| Momentum (10) | -3.84 | Sell |
| Aroon Osc (25) | -76.00 | Sell |
| Hull MA (9) | 26.81 | Buy |
| ADX (14) | 19.80 | Neutral |
| ATR (14) | 0.79 | Info |
The 30-day technical picture is bearish, with RSI14 at 30. The moving averages show SMA50 at $31.25 and SMA200 at $36.76, signaling resistance ahead of stronger longer-term trends. The current price is $26.93, with the 30-day range from $22.44 to $32.32. Key levels to watch are support at $27.59 and resistance at $35.74.
| Year | Min | Avg | Max | ROI | Sentiment |
|---|---|---|---|---|---|
| $24.22 | $27.04 | $33.51 | 0% | Neutral | |
| $24.05 | $30.05 | $39.65 | +11% | Neutral | |
| $24.01 | $30.82 | $42.17 | +14% | Neutral | |
| $27.29 | $35.83 | $50.44 | +33% | Bullish | |
| $34.08 | $45.63 | $65.77 | +69% | Bullish | |
| $34.34 | $46.80 | $68.87 | +73% | Bullish | |
| $36.72 | $50.89 | $76.29 | +88% | Bullish | |
| $39.13 | $55.07 | $83.95 | +104% | Bullish | |
| $37.34 | $53.34 | $82.58 | +97% | Bullish | |
| $42.41 | $61.44 | $96.50 | +127% | Bullish | |
| $56.11 | $86.63 | $144.51 | +220% | Bullish | |
| $104.94 | $180.71 | $329.12 | +568% | Bullish |
Current year — the forecast is anchored to the live price, so ROI shows 0%.
| Month | Min | Avg | Max | Change |
|---|---|---|---|---|
| July 2026 | $24.22 | $27.04 | $31.51 | +0.00% |
| August 2026 | $22.87 | $26.82 | $32.16 | -0.83% |
| September 2026 | $23.31 | $27.55 | $33.48 | +2.74% |
| October 2026 | $23.39 | $27.83 | $34.16 | +1.01% |
| November 2026 | $22.62 | $27.06 | $33.49 | -2.77% |
| December 2026 | $22.36 | $26.87 | $33.51 | -0.69% |
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 $33.51, averaging $27.04 — a potential gain of 0% from today's $27.04. A consolidation phase looks the most probable path here.
Upstart Holdings, Inc.'s 2027 outlook centres on $30.05, within a $24.05 to $39.65 range. That is up +11% on the projected 2026 average. That marks a +11% change versus current levels. Price action looks broadly range-bound.
By 2028, UPST could reach as high as $42.17, with a base case around $30.82 and support toward $24.01 — roughly +14% from $27.04. A consolidation phase looks the most probable path here.
Expect UPST to range from $27.29 to $50.44 through 2029. The $35.83 average target implies a +33% move from current prices. That is up +16% on the projected 2028 average. Momentum favours further upside here.
The UPST price prediction for 2030 points to an average of $45.63 (low $34.08, high $65.77) — a potential gain of +69% on today's $27.04. Buyers look set to stay in control over this stretch.
In 2031, UPST is projected to trade between $34.34 and $68.87, averaging $46.80 — a potential gain of +73% from today's $27.04. That is up +3% on the projected 2030 average. Momentum favours further upside here.
Upstart Holdings, Inc.'s 2032 outlook centres on $50.89, within a $36.72 to $76.29 range. That is up +9% on the projected 2031 average. That marks a +88% change versus current levels. Buyers look set to stay in control over this stretch.
By 2033, UPST could reach as high as $83.95, with a base case around $55.07 and support toward $39.13 — roughly +104% from $27.04. Momentum favours further upside here.
Expect UPST to range from $37.34 to $82.58 through 2034. The $53.34 average target implies a +97% move from current prices. That is -3% 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 $61.44 (low $42.41, high $96.50) — a potential gain of +127% on today's $27.04. Momentum favours further upside here.
In 2040, UPST is projected to trade between $56.11 and $144.51, averaging $86.63 — a potential gain of +220% from today's $27.04. That is up +41% on the projected 2035 average. Buyers look set to stay in control over this stretch.
Upstart Holdings, Inc.'s 2050 outlook centres on $180.71, within a $104.94 to $329.12 range. That is up +109% on the projected 2040 average. That marks a +568% change versus current levels. Momentum favours further upside here.
Investing $1,000 in UPST today (≈ 36.982249 UPST) could be worth
$6,683.04
+$5,683.04 (+568%) by 2050 · US Dollar
Based on the average projected UPST price of $180.71 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 30, 2025 (≈ 12.001201 UPST) would be worth
$324.51
-$675.49 (-67.5%) today · 0.32× · US Dollar
Based on a UPST entry price of $83.32 vs. today's $27.04.
| Invested | Entry price | Value today | Return |
|---|---|---|---|
| 1 week ago | $27.59 | $980.07 | -2.0% |
| 1 month ago | $35.43 | $763.2 | -23.7% |
| 3 months ago | $32.74 | $825.9 | -17.4% |
| 6 months ago | $39.25 | $688.92 | -31.1% |
| 1 year ago | $83.32 | $324.51 | -67.5% |
| All time (5.0y) ago | $133.41 | $202.68 | -79.7% |
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 $54.00 around 2033.
Implied market cap at $54.00: $5.17B
The multi-year forecast projects a steady rise in average values and bullish sentiment from the nearer term into the longer term. The 2026 avg is $26.93 with an ROI of 0% and NEUTRAL sentiment, followed by 2027 avg $29.81 (ROI 10.7%), and 2028 avg $30.41 (ROI 12.9%). By 2029 the avg is $35.71 (ROI 32.6%) and by 2030 it reaches $45.48 (ROI 68.9%), with sustained bullish sentiment through 2031–2035 and beyond.
The 2031–2035 averages rise to $46.30, $50.81, $54.64, and $61.13 respectively, with 2035 ROI at 127%. The path continues to 2040 at an avg of $85.04 (ROI 215.8%) and finally to 2050 with an avg of $179.29 and a max of $332.93 (ROI 565.8%). These are estimates and not guarantees, and actual results may differ.
Tap a question to reveal the answer.
In 2030 the forecast shows min $33.66, avg $45.48, max $66.26, with ROI 68.9% and sentiment BULLISH.
The forecast indicates bullish sentiment from 2029 onward, with avg values rising to $35.71 in 2029, $45.48 in 2030, and up to $179.29 in 2050, with ROI reaching 565.8% by 2050.
Yes. The 2035 max is $97.38, the 2040 max is $144.19, and the 2050 max is $332.93.
Current price is $26.93 and market cap is $2.58B.
The 30-day range is $22.44 to $32.32; current price is $26.93. The 30-day support is $27.59 and resistance is $35.74.
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