Why Upstart stock tanked on Q2 earnings and why it’s a raging buy here
Upstart Holdings (UPST) stock dropped over 18% despite reporting strong Q2 earnings, including doubled revenue and a return to profit, primarily due to investor concerns about increased loan volume on its balance sheet and negative operating cash flow, introducing direct credit risk. However, the article argues that the dip presents a compelling entry point for long-term investors, citing the company's impressive growth in auto and home equity lending, strong AI-powered underwriting, and potential for significant market cap expansion. Despite risks, Upstart is seen as an attractive fintech investment for those with a multi-year horizon.
Upstart Announces Results for Second Quarter 2025
Upstart Holdings, Inc. announced strong financial results for the second quarter of 2025, reporting triple-digit revenue growth and achieving GAAP profitability ahead of schedule. The company originated 372,599 loans, totaling over $2.8 billion, and provided optimistic financial guidance for both Q3 2025 and the full year 2025, expecting continued growth in revenue and adjusted EBITDA. Key figures include total revenue of $257 million, GAAP net income of $5.6 million, and Adjusted EBITDA of $53.1 million for the quarter.
Upstart Announces Inaugural $200M Upstart Auto Forward-Flow Agreement with Wafra
Upstart, an AI lending marketplace, has announced a $200 million forward-flow commitment from Wafra, a global alternative investment manager. This agreement, which is Wafra's first with Upstart, involves the purchase of assets originated through Upstart's auto finance platform over a 12-month period. The partnership aims to provide consistent auto funding, helping Upstart offer competitive rates and processes for borrowers' auto financing needs.
Upstart secures $200M auto loan commitment from Wafra
Upstart Holdings Inc. has secured a 12-month forward-flow commitment from Wafra, an alternative investment manager, to purchase up to $200 million of assets originated through Upstart's auto finance platform. This partnership aims to support Upstart’s auto funding platform and comes as the company's stock is near its 52-week low despite recent revenue growth and a return to profitability. Analysts have mixed views on the stock, with some upgrades focusing on improved growth outlooks and others expressing valuation concerns.
AI lender Upstart offloads $333M in auto assets in first big Bayview deal
Upstart Holdings, Inc. announced the sale of a $333 million portfolio of its auto assets to affiliates of Bayview Asset Management, LLC. This marks the first significant transaction between the two companies, demonstrating growing interest in Upstart's auto platforms and providing strategic funding. Both companies expressed optimism about strengthening their partnership in the auto lending market.
Upstart Announces Inaugural $200M Upstart Auto Forward-Flow Agreement with Wafra
Upstart Holdings, Inc. announced an inaugural $200 million forward-flow agreement with Wafra, a global alternative investment manager, for its auto finance platform. This 12-month arrangement aims to provide consistent funding for Upstart's auto product vertical and demonstrates significant market interest in its maturing auto platform. Wafra's investment will help Upstart continue to offer competitive rates and processes for borrowers seeking auto financing.
Upstart Holdings Shareholders Are Encouraged to Reach Out to Johnson Fistel for More Information About Potentially Recovering Their Losses
Johnson Fistel, PLLP is investigating potential claims on behalf of investors of Upstart Holdings, Inc. (NASDAQ: UPST) following a significant stock price decline. The investigation focuses on whether investor losses can be recovered under federal securities laws after Upstart missed third-quarter expectations. Shareholders who suffered losses are encouraged to contact Johnson Fistel for more information.
Compass Point Upgrades Upstart (UPST) to Neutral, Ups PT to $30 Citing Ambitious 2028 Outlook
Compass Point has upgraded Upstart (UPST) from Sell to Neutral and increased its price target to $30, citing the company's ambitious 2028 outlook. This follows Goldman Sachs also upgrading Upstart to Neutral and Bank of America lowering its price target but maintaining a Neutral rating after a strong Q4 2025 report and optimistic 2026 revenue forecast. The article suggests that while Upstart has potential, other AI stocks might offer better upside with less risk.
Upstart Holdings stock hits 52-week low at $29.61
Upstart Holdings (UPST) stock has dropped to a new 52-week low of $29.61, representing a 62.54% decline over the past year. This downturn comes despite reporting fourth-quarter 2025 revenue that surpassed expectations, though EPS fell significantly short. Analyst sentiments are mixed, with some firms upgrading the stock to "Neutral" while others like Citizens downgraded it due to valuation concerns.
Upstart Announces Major Share Repurchase Signaling Confidence
Upstart Holdings announced a stock repurchase of $100 million (3.19 million shares) between February 12 and 18, 2026, at an average price of $31.31. This buyback is part of an authorized $400 million program and signals management's confidence in the company's valuation and long-term prospects, potentially supporting the stock price. Despite this, TipRanks' AI Analyst Spark rates UPST as "Neutral" due to weak technicals and financial durability concerns, though improving operating narratives offer some support.
Upstart Repurchases $100 Million of Shares
Upstart Holdings, Inc. announced that it repurchased $100 million of common stock between February 12 and February 18, 2026. The company bought 3,193,294 shares at an average price of $31.31, part of a previously authorized $400 million share repurchase program. Following these transactions, $122 million remains available under the program.
Citizens Reiterates Market Underperform Rating for UPST | UPST S
Citizens analyst David M. Scharf has reiterated a "Market Underperform" rating for Upstart Holdings (UPST) with a consistent price target of $20.00. This follows a period of mixed analyst revisions for UPST, including upgrades from Compass Point and Goldman Sachs, alongside downgrades from Citizens and a reduced price target from Truist Securities. Despite these varied opinions, Wall Street analysts project an average target price of $54.64, suggesting a potential upside of 71.12% from the current price, while GuruFocus estimates a fair value of $68.25.
Upstart's Technology Has Taken The Next Step (Rating Upgrade) (NASDAQ:UPST)
Upstart's Q4/25 results showed strong revenue growth and increased profitability, leading to an upgraded rating to STRONG BUY. The company's machine learning lending model is performing well despite macro difficulties, with new products contributing significantly to originations. Despite investor uneasiness from leadership transitions and changes in guidance disclosure, the company's long-term strategy and founder involvement remain solid.
Upstart Launches Cash Line As Paul Gu Takes Helm And Valuation Lags
Upstart Holdings has introduced Cash Line, a new revolving credit product, amidst a leadership change with co-founder Paul Gu becoming CEO. This expansion into consumer credit beyond existing loan offerings signifies Upstart's strategic growth using its AI-driven lending platform. The company's stock currently trades significantly below analyst expectations and its estimated fair value, prompting investors to monitor Cash Line's adoption and the impact of the leadership transition on product focus and credit performance.
Upstart (UPST) Stock Trades Up, Here Is Why
Shares of Upstart (NASDAQ:UPST) rose 3.7% after Compass Point upgraded the stock to Neutral from Sell and increased its price target to $30 from $20, following the company's Q4 2025 earnings report. The company projected a 35% annual revenue growth through 2028. Despite the upgrade, the stock remains volatile and is down significantly year-to-date and from its 52-week high, partly due to broader market caution around AI stocks and changing interest rate expectations.
Upstart Stock Up 4.8% After Neutral Rating & $30 Price Target - News and Statistics
Upstart's stock rose 4.8% after Compass Point upgraded its rating from Sell to Neutral and increased its price target to $30, following the company's Q4 2025 earnings report which projected 35% annual revenue growth through 2028. Despite this positive movement, the stock remains volatile and is down 30.2% year-to-date, trading significantly below its 52-week high, partly due to broader market sell-offs and reduced expectations for interest rate cuts.
New Upstart Cash Line guarantees at least $200 when cash runs short
Upstart has launched Cash Line, a new revolving line of credit designed to provide continuous access to funds for consumers, offering a guaranteed minimum of $200 up to $5,000. This initiative aims to offer a stable and affordable alternative to existing short-term credit options, featuring transparent pricing, instant access, and customized repayment. Consumers can join a waitlist for early access to the beta version.
Compass Point Upgrades Upstart Holdings Inc (UPST) to Neutral
Compass Point analyst Giuliano Bologna has upgraded Upstart Holdings Inc (NASDAQ: UPST) from a Sell rating to Neutral. This upgrade includes a specified price target, though the full details are available only to premium subscribers.
Compass Point upgrades Upstart stock rating to neutral on growth outlook
Compass Point has upgraded Upstart Holdings Inc (NASDAQ:UPST) to Neutral from Sell and increased its price target to $30 from $20, aligning with its current trading price. This upgrade follows Upstart's Q4 2025 earnings report, which included a 2025-2028 revenue CAGR outlook of approximately 35% and a terminal adjusted EBITDA margin target of 25%. Despite missing EPS expectations, the company's revenue surpassed forecasts, and this change in rating marks the first time Compass Point has moved away from a Sell rating since initiating coverage in March 2023.
Understanding Momentum Shifts in (UPST)
This article analyzes Upstart Holdings Inc. (UPST) using AI models, indicating weak sentiment across all time horizons which supports a short bias. It provides three distinct institutional trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—along with multi-timeframe signal analysis, including support and resistance levels. The content emphasizes elevated downside risk due to the absence of long-term support signals.
Upstart Holdings (UPST) Is Down 19.8% After Profit Return, New Guidance And Leadership Shake‑Up – Has The Bull Case Changed?
Upstart Holdings (UPST) recently reported a return to profitability for Q4 2025 and the full year, with revenues of US$296.09 million and net income of US$18.64 million. The company also announced a leadership reshuffle and issued multi-year revenue guidance projecting a 35% compound annual growth rate through 2028, aiming for US$1.4 billion in revenue for 2026. These developments are seen as critical to the company's investment narrative, emphasizing execution on growth and profitability while managing funding and credit risks.
Goldman Sachs upgrades Upstart stock rating to Neutral from Sell
Goldman Sachs has upgraded its rating for Upstart Holdings Inc (NASDAQ:UPST) from Sell to Neutral, setting a price target of $35.00. This upgrade is due to the stock's underperformance, which has resulted in a more balanced risk-reward profile, and the market's better appreciation of previously unacknowledged margin and take rate compression. Separately, Upstart reported mixed Q4 2025 earnings, with EPS missing forecasts but revenue exceeding them, while Citizens downgraded the stock due to valuation concerns.
Upstart Holdings stock hits 52-week low at $31.38
Upstart Holdings (UPST) stock recently hit a new 52-week low of $31.38, marking a 62.71% decline over the past year and putting it 67% below its 52-week high. Despite this downturn and market volatility, InvestingPro analysis suggests the company is undervalued, boasts impressive revenue growth of 58.87%, and remains profitable. The stock's performance follows its recent Q4 2025 earnings report, where it exceeded EPS and revenue expectations.
Upstart Stock Plummeted 14% on Guidance Blackout. Do Analysts See a Recovery to $56 in 2026?
Upstart Holdings, Inc. stock plummeted 14% after the company announced it would stop providing quarterly financial guidance and instead issue annual targets, coupled with a major leadership change. Despite beating earnings estimates and achieving 86% growth in loan originations, the market reacted negatively to the increased uncertainty. Analysts, however, still see a potential recovery to a $57 price target if the new leadership can successfully execute on ambitious growth plans.
Upstart Announces Fourth Quarter and Full Year 2025 Results
Upstart Holdings Inc. announced strong financial results for Q4 and the full year 2025, with originations up 86% and revenues up 64% for the year, while maintaining profitability. The company is transitioning to annual financial guidance and has provided targets for 2026 and the 2025-2028 period. Upstart also announced a leadership evolution, with Co-founder Paul Gu set to become CEO on May 1st.
Upstart Sees Unusually High Options Volume (NASDAQ:UPST)
Upstart Holdings (NASDAQ:UPST) experienced unusually high options volume, with investors purchasing 56,434 call options, about 36% above average, alongside a significant increase in put buying, indicating anticipated volatility. The company's Q4 revenue beat estimates, and full-year 2026 revenue guidance was raised, but adjusted EPS missed consensus. Despite a leadership change and analyst buy ratings, the stock plunged after the earnings report due to the EPS miss and increased bearish options activity.
Upstart Stock Gaps Lower Despite Top-Line Beat
Upstart Holdings Inc (NASDAQ:UPST) shares fell 15.6% despite exceeding fourth-quarter earnings and revenue estimates, likely due to a C-suite shakeup and a weaker-than-expected 2026 margin outlook. Analysts issued price-target cuts, with Truist lowering its target to $49 from $59, and the stock is trading below its descending 100-day moving average. Despite the price struggles, call traders are actively targeting the stock, indicated by a high call/put volume ratio and significant call option activity.
Upstart (UPST) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Upstart Holdings (UPST) reported its Q4 earnings for December 2025, with revenues of $296.09 million, exceeding the Zacks Consensus Estimate by 2.64%, and an EPS of $0.46. The article details how key financial metrics, such as transaction volume and various revenue streams, compared to analyst estimates, providing a deeper look into the company's financial health beyond just top and bottom-line figures. Despite the revenue beat, the stock has experienced a -14.1% return over the past month.
Upstart Holdings Inc (UPST) Q4 2025 Earnings Call Highlights: Record Revenue Growth and ...
Upstart Holdings Inc (UPST) reported record revenue growth in Q4 2025, with total revenue up 35% year-on-year and net income reaching $19 million. The company achieved significant origination growth and successfully reduced loans on its balance sheet, while expanding into auto and home loan products. Despite positive projections for future growth, the company noted a decline in contribution margins due to a shift towards secured products and prime borrowers, as well as investments in long-term customer value.
Upstart Holdings, Inc. (UPST) Misses Q4 Earnings Estimates
Upstart Holdings, Inc. (UPST) reported Q4 earnings of $0.46 per share, missing the Zacks Consensus Estimate of $0.47, despite an increase from $0.26 per share a year ago. The company's revenues for the quarter were $296.09 million, exceeding the Zacks Consensus Estimate. Upstart currently holds a Zacks Rank #3 (Hold) due to mixed estimate revisions, and its stock has underperformed the S&P 500 year-to-date.
Upstart Publishes Monthly Origination Volumes
Upstart Holdings, Inc. announced the launch of a new public-facing webpage on its Investor Relations site that will provide monthly origination metrics. This initiative aims to offer greater transparency to investors by publishing the prior month's transaction volume on the third day of each month. CEO Dave Girouard stated that this "disclosure upgrade" will allow investors to monitor near-term dynamics and the company's long-term opportunity more easily.
AI lender Upstart posts $53.6M profit, plans CEO handover to Paul Gu
Upstart (NASDAQ: UPST) announced strong financial results for Q4 and full-year 2025, reporting $1.0 billion in revenue and $53.6 million in net income for the year, significantly improving profitability. The company also shared its future financial outlook, including annual guidance and long-term growth targets, and announced that Co-founder Paul Gu will take over as CEO on May 1st.
Upstart (UPST) Sees Surge in Options Activity Ahead of Earnings Report
Upstart Holdings (UPST) is experiencing a significant increase in options trading, particularly put options, as its earnings report approaches. The market anticipates a 15.3% price movement post-earnings, and historically, UPST has seen a 19.1% median price change after such announcements. While its financial health presents a mixed picture with negative revenue growth and high debt, current valuation metrics suggest a potential undervaluation and analysts hold a 'hold' recommendation.
DAVE Stock Soars 79% in a Year: Should Investors Buy It Now?
Dave Inc. (DAVE) stock has surged 78.5% over the past year, significantly outperforming the market. This growth is attributed to its innovative fee model, CashAI v5.5 for customer acquisition and credit quality, and superior financial margins compared to competitors like Upstart and Affirm. The company also boasts strong profitability, liquidity, and a cheaper valuation, leading analysts to recommend it as a "Strong Buy."
Upstart stock jumps after Q4 earnings, 2026 guidance impress (UPST:NASDAQ)
Upstart Holdings (UPST) stock surged over 5% in after-hours trading after exceeding Q4 2025 earnings and revenue expectations. The company also provided 2026 revenue guidance that beat analyst consensus, although its adjusted EBITDA margin forecast was lower than anticipated. Upstart aims for a 35% CAGR from 2025-2028 and announced Paul Gu will take over as CEO in May 2026.
Upstart (UPST) Q4 Earnings Report Preview: What To Look For
Upstart (NASDAQ: UPST) is preparing to report its Q4 earnings this Tuesday afternoon. Analysts expect revenues to reach $289 million, representing a 32% year-over-year growth, with adjusted earnings around $0.46 per share. This report follows a quarter where Upstart missed revenue expectations, and the company's stock is currently trading below its average analyst price target.
UPST Set to Report Q4 Earnings: What's in Store for the Stock?
Upstart Holdings (UPST) is scheduled to release its fourth-quarter and full-year 2025 earnings on February 10, with expectations for revenue and EPS growth. The company has a strong history of surpassing Zacks Consensus Estimates and investors will be paying close attention to whether it can convert borrower interest into increased funded volumes while maintaining credit quality. Analysts project significant increases in both quarterly and full-year revenues and EPS for UPST.
Avoiding Lag: Real-Time Signals in (UPST) Movement
This article provides a real-time analysis of Upstart Holdings Inc. (UPST), indicating a weak sentiment across all time horizons and supporting a short bias. It details three AI-generated trading strategies—Position, Momentum Breakout, and Risk Hedging—along with multi-timeframe signal analysis, and offers access to real-time signals and charting for institutional-grade analysis. The analysis suggests elevated downside risk and a potential breakdown.
Upstart Holdings, Inc. (UPST): A Bull Case Theory
This article summarizes a bullish thesis on Upstart Holdings, Inc. (UPST), a company disrupting consumer credit with an AI-driven underwriting model. The theory highlights Upstart's ability to approve more borrowers, its large addressable market, potential benefits from credit card interest rate caps, and compelling financial forecasts. While acknowledging risks, the article suggests significant upside potential for UPST despite its stock depreciation.
Countdown to Upstart (UPST) Q4 earnings: A look at estimates beyond revenue and EPS
This article discusses the upcoming Q4 earnings report for Upstart (UPST). It indicates that the company's Q4 2023 earnings are expected to be released on February 13, 2024. Investors are encouraged to look beyond just revenue and EPS, as other key metrics will also provide insight into the company's performance.
Upstart Holdings, Inc.'s (NASDAQ:UPST) Popularity With Investors Under Threat As Stock Sinks 25%
Upstart Holdings (NASDAQ:UPST) stock has dropped 25% in the last 30 days due to market concerns, despite its recent strong revenue growth. The company's price-to-sales (P/S) ratio of 3.7x is significantly higher than the industry average, which is further concerning given analyst forecasts for future revenue growth project 22%, compared to the industry's 44%. This high P/S ratio, coupled with less-than-stellar growth predictions, suggests that the stock may be overvalued.
Upstart Holdings, Inc. (UPST) Declines More Than Market: Some Information for Investors
Upstart Holdings, Inc. (UPST) recently closed down 1.71%, underperforming the broader market. The company is set to release its earnings report on February 10, 2026, with analysts projecting significant increases in both EPS and revenue compared to the previous year. Despite a "Hold" rating from Zacks, the stock's current Forward P/E ratio is higher than its industry average.
Upstart Holdings, Inc. (UPST) Suffers a Larger Drop Than the General Market: Key Insights
Upstart Holdings (UPST) experienced a larger decline than the general market, falling 2.8% while the S&P 500 dropped 0.84%. Over the past month, the stock has depreciated by 21.72%, underperforming the Finance sector and S&P 500 gains. Investors are awaiting its Q1 2026 earnings report on February 10, 2026, where the company is expected to report significant EPS and revenue growth.
Upstart Expands California Reach As Rize Partnership Meets Weak Share Momentum
Upstart Holdings has partnered with Rize Credit Union to offer personal loans in California, expanding its AI-powered lending platform's reach. This move, which adds to Upstart's growing list of credit union collaborations, comes amidst mixed share price performance for NasdaqGS:UPST, with recent declines despite the ongoing business development. The partnership aims to grow Upstart's footprint by working with existing lenders, providing investors with a clearer view of its expansion strategy.
Prediction: 2026 Will Be the Year of Upstart
Despite a disappointing performance over the past four years, Upstart Holdings is poised for a recovery, with 2026 predicted to be a year of significant growth for the company's stock. Upstart's AI-driven credit-scoring algorithm, which has proven to be more effective than traditional methods, is gaining traction with lenders, leading to increased revenue and projected profitability through 2027. The company's recent warning, interpreted negatively by the market, is actually a demonstration of its algorithm's effectiveness in protecting lenders, suggesting its long-term value.
Upstart Holdings, Inc. (UPST) Registers a Bigger Fall Than the Market: Important Facts to Note
Upstart Holdings (UPST) recently experienced a 4.49% decline, underperforming the broader S&P 500. The company is set to release its earnings on February 10, 2026, with an anticipated 80.77% increase in EPS and a 31.74% rise in revenue year-over-year. Despite the recent dip, the stock has shown positive growth over the past month and currently holds a Zacks Rank of #3 (Hold).
If You Buy Upstart With $10,000 in 2026, Will You Become a Millionaire in 25 Years?
This article examines the possibility of a $10,000 investment in Upstart (NASDAQ: UPST) growing to $1 million in 25 years. It calculates that this would require a compound annual growth rate of 20%, double the S&P 500's historical average. While Upstart shows promising recent growth and has a large addressable market, the article highlights long-term uncertainties such as its cyclical nature and competition from traditional banks, suggesting that achieving such returns is highly uncertain.
1 Profitable Stock with Impressive Fundamentals and 2 Facing Headwinds
This article analyzes one profitable stock with strong fundamentals, Reddit (RDDT), and two stocks facing headwinds, Upstart (UPST) and Hub Group (HUBG). It details why Reddit shows promise with its growth in daily active visitors, earnings, and free cash flow margin, while highlighting concerns for Upstart due to long payback periods and negative free cash flow, and for Hub Group due to weak unit sales and diminishing returns on capital. The piece encourages investors to conduct further research into these companies.
BTIG maintains Neutral rating on Upstart stock amid credit improvements By Investing.com
BTIG has reiterated a Neutral rating on Upstart Holdings Inc (NASDAQ:UPST) due to improvements in the company's credit metrics during Q4 2025. Despite a high P/E ratio and stock decline over the past six months, BTIG expects transaction volumes to increase quarter-over-quarter based on stable credit data. This analysis comes amidst mixed Q3 results and new commitments for loan purchases, highlighting ongoing interest in Upstart's AI lending platform.
BTIG maintains Neutral rating on Upstart stock amid credit improvements
BTIG has reiterated its Neutral rating on Upstart Holdings Inc (NASDAQ:UPST) due to improvements in the company's credit metrics during Q4 2025. Although the stock is significantly overvalued based on its P/E ratio, BTIG expects transaction volumes to increase quarter-over-quarter as credit performance improves. This assessment follows a period of impressive revenue growth but also a steep stock decline, with BTIG noting a return to stable credit trends in late 2025.
