UPST

Upstart Holdings

UPST

Attention (50-day avg)0.01%

Attention rank (50-day avg)#458

Bullish sentiment (50-day avg)62%

Price to earnings ratio44.3

Market capitalization2.2B

Earnings per share0.52

Dividend yield (TTM)—

Revenue (annual)1B

Net income (annual)53.6M

Social

What share of all stock conversation is about UPST?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Attention	0.01% 0	0.02% +0.01	0.01% 0	0.03% -0.04

Sep 29

Upstart Holdings, Inc. ($UPST) has mildly good news with a routine financing deal.
KBRA assigns preliminary ratings to Upstart Securitization Trust 2026-4.
The company's AI contracts and revenue growth are gaining traction, with real deployments and actual deployments being rare in small caps.

Generated by AI

Sentiment

Of the messages about UPST that take a side, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Bullish	82.76% +25.81	61.33% +26.44	54.28% -24.39	85.94% -1.16
Bearish	17.24% -25.81	38.67% -26.44	45.72% +24.39	14.06% +1.16

Bullish· Sep 24

The valuation of $UPST is becoming increasingly hard to ignore, with a 2027 EPS consensus of $3.48 and a forward P/E of just 7x, making it a compelling buy.
The company's business has survived and thrived despite the destruction, with an improving operating profile and AI lending optionality, making it a strong candidate for long-term growth.
The chart and fundamentals suggest that $UPST is due for a significant upward move, with a massive historical price amplitude and a serious multi-X potential without needing old ATHs, making it an attractive investment opportunity.

Bearish· Sep 28

Upstart's stock has been in a prolonged bear market, with the company's performance being "absolutely terrible" and its stock price tanking after every rate cut and earnings report.
The company's debt of $1.69 billion is a major concern, with its stock price tanking by 18% in a month, and Wall Street not buying into the company's claims.
Despite the company's claims of being profitable and having multiple partnership deals, its stock price continues to drop, and its former CEO's resignation in May may have been a coincidence, but it highlights the company's corrupt leadership and lack of trustworthiness.

Generated by AI

Topics

Of the messages about UPST that carry a topic, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y
Technical Analysis	0%	33.12%	25.26%	3.06%
Macro	0%	34.2%	34.98%	36.1%
Earnings	13.04%	0.61%	8.31%	23%
Announcements	86.96%	0.95%	2.52%	1.91%
Analysts	0%	31.12%	28.92%	35.9%
Controversies	0%	0%	0%	0.03%

Earnings· Aug 4

Upstart Holdings reported Q2 2026 earnings with revenue of $364.7M, beating estimates by 4%, and EPS of $0.16, missing estimates by 16%.
The company's originations grew 50% year-over-year, with $4.2B in loan volume and 558,014 loans originated, up 50% YoY.
Upstart's net income was $16.5M, up 195% YoY, and contribution profit was $201M, up 36% YoY, with diluted EPS of $0.16 vs $0.05.

Analysts· Mar 16

BTIG upgrades Upstart Holdings ($UPST) to Buy from Neutral, setting a price target of $43, citing potential bank expense savings and a reduced funding risk.
The analyst estimates a 6x 2027 EPS multiple if bank expense savings math is correct, and a 9x multiple if it is incorrect, with the market currently pricing in high risk and slow growth at 12x EBITDA and 11x NTM PE.
The upgrade is driven by the potential for a US bank charter, which could cut funding costs and reduce liquidity risk, potentially boosting EPS significantly, with a key driver being the potential for 100 bps cost savings on transaction volumes.

Announcements· Apr 16

Upstart Holdings, Inc. (UPST) is applying for a national bank charter, aiming to become America's first AI-powered bank.
The company has reported revenue of $1B, up 64% with $1B cash, and has automated 91% of its loans.
UPST's share price has increased by around 13% ahead of Q1 earnings, marking a third straight day of gains.

Controversies· Jan 29

Upstart Holdings, Inc.'s AI model R1 has raised concerns among US AI developers, including OpenAI, as it may have improperly obtained OpenAI data.
Upstart's R1 model has been found to rival or outperform leading US AI models on various industry benchmarks, including mathematical tasks and general knowledge.
The success of R1 has threatened the market dominance of US AI firms, including OpenAI, Google, and Meta Platforms Inc., and has sent technology stocks tied to AI into a decline.

Macro· May 11

The post warns of an impending AI bubble, drawing parallels with the Dotcom bubble, and suggests that a smaller player like Upstart may disrupt the big tech companies.
Inflation risks are increasing, and the expectation of rate cuts is diminishing, leading to a worsening investment sentiment towards fintech, including Upstart.
Despite the negative sentiment, insiders at Upstart have been buying shares of their own company, indicating potential for surprising developments in the coming year.

Technical Analysis· Nov 5

UPST is moving within a parallel channel, with RSI and Williams %R showing positive divergence, suggesting a potential bounce.
The stock bounced perfectly off the falling wedge started in February 2022, with the next stop expected to be the $70s to hit the upper trendline again.
UPST has been consolidating with recent UltraShort signals flashing, potentially gearing up for a move, with key levels to watch including $38.50 and $39.

Generated by AI

Community

Of the messages about UPST, what share comes from each group?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Regulars	85.71%	34.91%	48.85%	66.84%
Newcomers	14.29%	65.09%	51.15%	33.16%

Regulars· Sep 29

$UPST's recent financing deal is considered mildly good news, but the company's debt of $1.69 billion is a concern, and it may take 25 years to pay off if the company generates consistent net income.
The regulars are predicting a poor earnings call for $UPST, and some are even expecting a significant decline in stock price, with one user expecting a move of -20.65% in 21 days.
The market is anticipating a deal with Iran, which is expected to eventually end the Iran situation and drive stock prices higher, but for now, the situation is seen as a reason for stocks to fall.

Newcomers· Sep 25

New investors are focusing on the CEO's recent purchase of 50,000 units at $25.55, which may indicate a positive sentiment.
Some newcomers are comparing Upstart's performance to that of Sezzle, a competitor, and are cautiously optimistic about Upstart's potential for a +50% increase.
Others are analyzing the company's debt, noting that the principal doesn't mature until 2029 and the interest rates are low, which may not be a significant burden.

Generated by AI

News

Down Over 90%, Is it Finally Time to Buy This AI Stock? | The Motley Fool

Upstart's consumer indicator is sending a warning sign.

7h agoThe Motley Fool

Upstart: Cyclicality Overshadows Growth - Hold (NASDAQ:UPST)

Upstart's growth is highly sensitive to macroeconomic cycles, funding constraints, and customer acquisition costs. Read why UPST stock is a Hold.

1d agoSeeking Alpha

JFrog, Commerce, ZoomInfo, Upstart, and monday.com Shares Plummet, What You Need To Know

A number of stocks fell in the afternoon session after a deepening Treasury selloff and higher oil prices pushed the benchmark 10-year yield to 5.218%, reinforcing expectations of further Federal Reserve rate hikes.

1d agoYahoo Finance

Meloni Ally Wins Italy Parliament Seat, Beats Far-Right Upstart

1d agoBloomberg.com

PayPal vs. Upstart: Which Fintech Stock Is Better to Consider?

PYPL's Venmo growth and cost savings face off against UPST's AI lending gains, rising originations and ongoing credit-market risks.

1d agoYahoo Finance

Axios C-Suite: Europe's $2B AI upstart says OpenAI, Anthropic are lying about safety

2d agoAxios

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Upstart Holdings, Inc.

Financial Services
Credit Services

Upstart Holdings, Inc. is a financial technology company that provides credit services through a proprietary, cloud-based artificial intelligence lending platform. Its core function is to use machine learning models to help banks and other lending partners assess consumer creditworthiness beyond traditional credit scores, aiming to better align loan pricing with individual risk profiles. Upstart’s platform aggregates consumer demand for loans and connects these borrowers to a network of AI-enabled bank partners, with revenue primarily generated from fees paid by these institutions for loan referrals, platform usage, and servicing. The company operates across three main segments: Personal Lending, covering unsecured personal and small-dollar loans; Auto Lending, including auto refinance, auto retail, and auto-secured personal loans; and Other, which encompasses home equity lines of credit and additional lending products. Founded in 2013 and headquartered in San Mateo, California, Upstart Holdings, Inc. plays a specialized role in the credit services and financial services sectors by providing technology-driven underwriting and loan origination infrastructure to financial institutions.

Website

Location

2950 South Delaware Street

San Mateo, CA, 94403

United States

Social

What share of all stock conversation is about UPST?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Attention	0.01% 0	0.02% +0.01	0.01% 0	0.03% -0.04

Sep 29

Upstart Holdings, Inc. ($UPST) has mildly good news with a routine financing deal.
KBRA assigns preliminary ratings to Upstart Securitization Trust 2026-4.
The company's AI contracts and revenue growth are gaining traction, with real deployments and actual deployments being rare in small caps.

Generated by AI

Sentiment

Of the messages about UPST that take a side, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Bullish	82.76% +25.81	61.33% +26.44	54.28% -24.39	85.94% -1.16
Bearish	17.24% -25.81	38.67% -26.44	45.72% +24.39	14.06% +1.16

Bullish· Sep 24

The valuation of $UPST is becoming increasingly hard to ignore, with a 2027 EPS consensus of $3.48 and a forward P/E of just 7x, making it a compelling buy.
The company's business has survived and thrived despite the destruction, with an improving operating profile and AI lending optionality, making it a strong candidate for long-term growth.
The chart and fundamentals suggest that $UPST is due for a significant upward move, with a massive historical price amplitude and a serious multi-X potential without needing old ATHs, making it an attractive investment opportunity.

Bearish· Sep 28

Upstart's stock has been in a prolonged bear market, with the company's performance being "absolutely terrible" and its stock price tanking after every rate cut and earnings report.
The company's debt of $1.69 billion is a major concern, with its stock price tanking by 18% in a month, and Wall Street not buying into the company's claims.
Despite the company's claims of being profitable and having multiple partnership deals, its stock price continues to drop, and its former CEO's resignation in May may have been a coincidence, but it highlights the company's corrupt leadership and lack of trustworthiness.

Generated by AI

Topics

Of the messages about UPST that carry a topic, what share is each?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y
Technical Analysis	0%	33.12%	25.26%	3.06%
Macro	0%	34.2%	34.98%	36.1%
Earnings	13.04%	0.61%	8.31%	23%
Announcements	86.96%	0.95%	2.52%	1.91%
Analysts	0%	31.12%	28.92%	35.9%
Controversies	0%	0%	0%	0.03%

Earnings· Aug 4

Upstart Holdings reported Q2 2026 earnings with revenue of $364.7M, beating estimates by 4%, and EPS of $0.16, missing estimates by 16%.
The company's originations grew 50% year-over-year, with $4.2B in loan volume and 558,014 loans originated, up 50% YoY.
Upstart's net income was $16.5M, up 195% YoY, and contribution profit was $201M, up 36% YoY, with diluted EPS of $0.16 vs $0.05.

Analysts· Mar 16

BTIG upgrades Upstart Holdings ($UPST) to Buy from Neutral, setting a price target of $43, citing potential bank expense savings and a reduced funding risk.
The analyst estimates a 6x 2027 EPS multiple if bank expense savings math is correct, and a 9x multiple if it is incorrect, with the market currently pricing in high risk and slow growth at 12x EBITDA and 11x NTM PE.
The upgrade is driven by the potential for a US bank charter, which could cut funding costs and reduce liquidity risk, potentially boosting EPS significantly, with a key driver being the potential for 100 bps cost savings on transaction volumes.

Announcements· Apr 16

Upstart Holdings, Inc. (UPST) is applying for a national bank charter, aiming to become America's first AI-powered bank.
The company has reported revenue of $1B, up 64% with $1B cash, and has automated 91% of its loans.
UPST's share price has increased by around 13% ahead of Q1 earnings, marking a third straight day of gains.

Controversies· Jan 29

Upstart Holdings, Inc.'s AI model R1 has raised concerns among US AI developers, including OpenAI, as it may have improperly obtained OpenAI data.
Upstart's R1 model has been found to rival or outperform leading US AI models on various industry benchmarks, including mathematical tasks and general knowledge.
The success of R1 has threatened the market dominance of US AI firms, including OpenAI, Google, and Meta Platforms Inc., and has sent technology stocks tied to AI into a decline.

Macro· May 11

The post warns of an impending AI bubble, drawing parallels with the Dotcom bubble, and suggests that a smaller player like Upstart may disrupt the big tech companies.
Inflation risks are increasing, and the expectation of rate cuts is diminishing, leading to a worsening investment sentiment towards fintech, including Upstart.
Despite the negative sentiment, insiders at Upstart have been buying shares of their own company, indicating potential for surprising developments in the coming year.

Technical Analysis· Nov 5

UPST is moving within a parallel channel, with RSI and Williams %R showing positive divergence, suggesting a potential bounce.
The stock bounced perfectly off the falling wedge started in February 2022, with the next stop expected to be the $70s to hit the upper trendline again.
UPST has been consolidating with recent UltraShort signals flashing, potentially gearing up for a move, with key levels to watch including $38.50 and $39.

Generated by AI

Community

Of the messages about UPST, what share comes from each group?

	1 Day1D	1 Week1W	1 Month1M	1 Year1Y	50-Day MAclick to plot	200-Day MAclick to plot
Regulars	85.71%	34.91%	48.85%	66.84%
Newcomers	14.29%	65.09%	51.15%	33.16%

Regulars· Sep 29

$UPST's recent financing deal is considered mildly good news, but the company's debt of $1.69 billion is a concern, and it may take 25 years to pay off if the company generates consistent net income.
The regulars are predicting a poor earnings call for $UPST, and some are even expecting a significant decline in stock price, with one user expecting a move of -20.65% in 21 days.
The market is anticipating a deal with Iran, which is expected to eventually end the Iran situation and drive stock prices higher, but for now, the situation is seen as a reason for stocks to fall.

Newcomers· Sep 25

New investors are focusing on the CEO's recent purchase of 50,000 units at $25.55, which may indicate a positive sentiment.
Some newcomers are comparing Upstart's performance to that of Sezzle, a competitor, and are cautiously optimistic about Upstart's potential for a +50% increase.
Others are analyzing the company's debt, noting that the principal doesn't mature until 2029 and the interest rates are low, which may not be a significant burden.

Generated by AI

Upstart Holdings

Social

Sep 29

Bullish· Sep 24

Bearish· Sep 28

Earnings· Aug 4

Analysts· Mar 16

Announcements· Apr 16

Controversies· Jan 29

Macro· May 11

Technical Analysis· Nov 5

Regulars· Sep 29

Newcomers· Sep 25

Down Over 90%, Is it Finally Time to Buy This AI Stock? | The Motley Fool

Upstart: Cyclicality Overshadows Growth - Hold (NASDAQ:UPST)

JFrog, Commerce, ZoomInfo, Upstart, and monday.com Shares Plummet, What You Need To Know

Meloni Ally Wins Italy Parliament Seat, Beats Far-Right Upstart

PayPal vs. Upstart: Which Fintech Stock Is Better to Consider?

Axios C-Suite: Europe's $2B AI upstart says OpenAI, Anthropic are lying about safety

Also Discussed

Upstart Holdings, Inc.

Company Information

Location

Down Over 90%, Is it Finally Time to Buy This AI Stock? | The Motley Fool

Upstart: Cyclicality Overshadows Growth - Hold (NASDAQ:UPST)

JFrog, Commerce, ZoomInfo, Upstart, and monday.com Shares Plummet, What You Need To Know

Meloni Ally Wins Italy Parliament Seat, Beats Far-Right Upstart

PayPal vs. Upstart: Which Fintech Stock Is Better to Consider?

Axios C-Suite: Europe's $2B AI upstart says OpenAI, Anthropic are lying about safety

Also Discussed

Social

Sep 29

Bullish· Sep 24

Bearish· Sep 28

Earnings· Aug 4

Analysts· Mar 16

Announcements· Apr 16

Controversies· Jan 29

Macro· May 11

Technical Analysis· Nov 5

Regulars· Sep 29

Newcomers· Sep 25