Upstart Holdings, Inc. (UPST)

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.

• Rapport annuel (10-K)

  Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

  Déposé le 2026-02-10

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• Rapport trimestriel (10-Q)

  Une mise à jour de la performance financière des trois derniers mois.

  Déposé le 2026-08-05

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• Rapport d'événement important (8-K)

  Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

  Déposé le 2026-08-04

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• 8/4/2026POSITIVE
  Upstart’s AI upgrades pay off, as a pickup in loan growth helps send the stock higher

  Upstart Holdings Inc. has reported positive results from its AI model enhancements, which are designed to improve borrower risk assessment. This strategic upgrade, coupled with a noticeable pickup in loan origination volumes, has contributed to a significant rise in the company's stock price. The company's focus on leveraging artificial intelligence to refine its lending platform appears to be yielding tangible financial benefits, signaling a potential turnaround and increased investor confidence in its growth trajectory.

• 6/15/2026POSITIVE
  Upstart Holdings Has The 'The Right Tonic To Get The Stock Back On Track'

  Upstart Holdings (UPST) is charting a course for recovery, focusing on near-prime personal loans and AI-driven underwriting. The company has reaffirmed its 'Buy' rating with a $37 price target, projecting an ambitious 35% revenue growth by 2028 and exploring expansion into new asset classes. While margins might face pressure in 2026, management's new investment strategy signals a commitment to long-term success. The stock reacted positively, surging 9.20% to $33.30. This strategic pivot, coupled with analyst support, suggests a potential turnaround for the fintech firm.

• 5/5/2026NEGATIVE
  Upstart’s stock is getting punished after earnings. Here’s the big gripe.

  Upstart Holdings Inc. experienced a significant stock price decline following its latest earnings report, primarily due to missing a key profit metric. The company's AI-driven lending platform, which aims to disrupt traditional credit scoring, appears to have underperformed expectations. While CEO Dave Girouard suggested that analysts might have miscalculated seasonal trends, the market's reaction indicates investor concern over profitability and the accuracy of the company's financial projections. This miss raises questions about the sustainability of Upstart's business model and its ability to consistently meet financial targets, potentially impacting future growth prospects.

• 4/15/2026POSITIVE
  What's Behind The Boost In Upstart Holdings Stock Today?

  Upstart Holdings Inc. (NASDAQ:UPST) experienced a significant price surge today, driven by BTIG's reaffirmation of its rating and price target. While specific details of BTIG's rationale were not disclosed, the maintenance of existing targets suggests continued confidence in Upstart's business model and future prospects. This analyst endorsement provides a positive catalyst for the stock, potentially attracting further investor interest and reinforcing its upward momentum. Investors will be watching for further updates on Upstart's lending platform performance and its ability to navigate the evolving fintech landscape.

• 3/17/2026POSITIVE
  Upstart Stock Gains On BTIG Upgrade, $1B Forward-Flow Deal

  Upstart Holdings Inc. (UPST) shares experienced a notable increase following an upgrade from BTIG to a 'Buy' rating. This positive analyst sentiment, coupled with news of a significant $1 billion forward-flow deal, suggests growing confidence in Upstart's business model and future revenue streams. The upgrade implies that analysts believe the stock is undervalued or poised for substantial growth, potentially driven by improved lending platform performance and strategic partnerships. Investors are likely reacting to the dual catalysts of analyst endorsement and a substantial financial commitment, signaling a potentially favorable outlook for the company's stock.

• 3/16/2026POSITIVE
  Upstart’s stock rises as analyst says investors have been ignoring a key catalyst

  BTIG analyst initiated coverage on Upstart Holdings Inc. with a buy rating and a price target suggesting 55% upside. The analyst highlights the potential for Upstart to secure a banking charter as a key catalyst. This move could significantly de-risk the company's business model by reducing its reliance on volatile private credit markets and potentially improving its balance sheet. Investors are advised to consider this strategic shift as a major positive development for the fintech firm's future profitability and stability.

• 3/14/2026NEGATIVE
  Should You Invest $1,000 in Upstart Right Now?

  Upstart Holdings Inc. (UPST), a prominent player in the fintech lending space, has experienced a significant downturn, with its stock price plummeting 36% year-to-date in 2026. This sharp decline raises concerns for investors regarding the company's near-term prospects and its ability to recover from recent market pressures. The performance suggests potential headwinds in its business model or broader market sentiment impacting growth-oriented technology stocks.

• 3/10/2026POSITIVE
  Upstart Stock Pops After The Close: Here's Why

  Upstart Holdings Inc. (UPST) shares surged in after-hours trading following the announcement of its intention to apply for a national bank charter. This strategic move signals a significant shift in Upstart's business model, potentially allowing it to directly originate and hold loans, thereby capturing more of the value chain and reducing reliance on third-party banking partners. Investors are likely viewing this as a positive development, anticipating increased profitability and greater control over its lending operations. The news suggests a proactive approach to expanding its financial services capabilities and could unlock new avenues for growth.

• 3/6/2026NEGATIVE
  Why Upstart Plunged in February

  Although Upstart beat revenue and earnings expectations for the quarter, the stock plunged in February. Investors appeared concerned over margin guidance and take rates. The positive financial performance was overshadowed by worries about future profitability and the platform's ability to maintain its effectiveness in an uncertain macroeconomic environment. For investors, this signals growing caution regarding the long-term sustainability of Upstart's business model, despite positive short-term results.

• 2/27/2026NEUTRAL
  Upstart Is Down 65% From Its 52-Week High. Should You Buy the Stock Now?

  Upstart, the AI-powered lending platform, recently released an earnings report described as "quite solid," a detail that would typically inspire investor confidence. However, despite these positive results, the stock experienced a significant dive, plummeting 65% from its 52-week high. This scenario presents a dilemma for investors: is the negative market reaction a buying opportunity at a discounted price, given the company's fundamental solidity, or a signal of underlying concerns not immediately apparent? The divergence between corporate performance and market valuation necessitates thorough analysis to determine the stock's future direction.