Upstart to Announce First Quarter 2026 Results
Upstart Holdings, Inc., an AI lending marketplace, will announce its first-quarter 2026 financial results on Tuesday, May 5, 2026, after the market closes. The company will host a conference call at 1:30 p.m. PT / 4:30 p.m. ET to discuss its performance. This report is crucial for understanding the growth and adoption of AI-powered lending as Upstart's results are a key indicator for the broader fintech lending industry.
Upstart to Announce First Quarter 2026 Results on May 5, 2026
Upstart Holdings, Inc. (NASDAQ: UPST) will report its first quarter 2026 financial results on Tuesday, May 5, 2026. The company will host a conference call, and its earnings press release and investor presentation will be available on its investor relations website after the market closes on that day. Details for accessing the live webcast and conference call have been provided.
Upstart Holdings, Inc. (UPST) registers a bigger fall than the market: Important facts to note
The article reports that Upstart Holdings, Inc. (UPST) experienced a daily loss of -2.57%, underperforming the S&P 500's -0.21% change. Despite this, the stock's one-month performance is still positive at +3.22%, and analysts have a mixed outlook with an average target price suggesting potential upside. Investors are advised to monitor the company's upcoming earnings report for Q1 2024.
Upstart (NASDAQ: UPST) CFO gets RSU and performance-based PRSU grants
Upstart Holdings, Inc.'s CFO, Andrea Blankmeyer, has been granted 148,006 performance-based restricted stock units (PRSUs) and 169,427 time-based restricted stock units (RSUs). The PRSUs' payout, ranging from 0% to 300% of the target, is tied to TSR CAGR targets and vests in February 2030, while the RSUs vest quarterly over several years beginning in May 2026, both subject to continued service. These equity awards, representing a contingent right to receive shares of common stock, were disclosed in a recent Form 4 filing.
Upstart Holdings (NasdaqGS:UPST) Stock Price
This article provides a detailed overview of Upstart Holdings (UPST) stock performance, analyst narratives, and key financial details. It highlights varying analyst opinions on the company's valuation, ranging from significantly undervalued to moderately undervalued, based on factors like AI adoption, credit union partnerships, and potential regulatory pressures. The content also includes financial data such as revenue, profit margins, and EPS, alongside a brief description of Upstart's AI-lending platform and recent news regarding its bank charter application.
Upstart Stock Is Down 44% in 2026: Here’s Why Analysts Still Sees $45 Fair Value
Upstart Holdings (UPST) stock is down 44% in 2026 despite showing early signs of recovery, with revenue growth and a return to profitability. Analysts project a potential rise to $34 per share by December 2028, representing a 31.7% total return, based on valuation assumptions including 31.2% annual revenue growth and 4.1% operating margins. The company's performance remains highly sensitive to interest rates and credit conditions, leading to continued volatility even as fundamentals improve.
Citizens reiterates Upstart stock rating on consumer finance outlook
Citizens maintained a Market Underperform rating and a $20.00 price target on Upstart Holdings Inc. despite recent positive developments for the company. The reiterated rating comes amidst discussions with Upstart and Fortress on consumer finance trends and investment opportunities. Upstart recently secured a major forward-flow commitment and received an upgrade from BTIG, contrasting with Citizens' more cautious stance.
Citizens Reiterates Market Underperform Rating on Upstart Holdings Inc (UPST)
Citizens analyst David Scharf has reiterated a Market Underperform rating for Upstart Holdings Inc (UPST), maintaining a price target of $20.00. This analysis indicates a continued bearish outlook on the artificial intelligence lending platform. The full details of the analysis are exclusive to StreetInsider.com Premium subscribers.
Upstart Fell 5% This Week. Here’s Where the Stock Could Go in 2026
Upstart Holdings (UPST) stock fell 5% this week due to elevated interest rates and tighter capital markets impacting loan demand and funding availability. Despite near-term pressures, management expressed confidence in long-term growth driven by AI model improvements, automation, and expansion into auto lending. Analysts have a mixed view, with a broader Street price target near $46, indicating potential upside, and institutional investors showing varied conviction.
Here's the Reason Upstart Holdings, Inc. (UPST) Declined More Sharply Than the Overall Market
Upstart Holdings, Inc. (UPST) recently experienced a sharper decline than the overall market, dropping 2.22% while the S&P 500 fell 0.4%. The company holds a Zacks Rank of #5 (Strong Sell) and is trading at a P/E ratio of 10.47, slightly above the industry average, indicating a premium valuation despite its stock performance. Investors are awaiting its next earnings report, with analysts projecting significant year-over-year growth in both EPS and revenue.
Upstart Gains $1B Funding And Bank-Charter Momentum
Upstart Holdings has secured a forward-flow agreement of up to $1 billion for consumer loans over 12 months with Eltura Capital Management, Aperture Investors, and co-investors. This news follows an upgrade of UPST to Buy by BTIG, which cited the company's bank-charter application and potential 60% earnings upside. These developments are expected to enhance funding and mitigate liquidity risks for the AI lending platform.
Upstart Holdings, Inc. (UPST) rating raised by BTIG as bank charter could reduce funding risk
BTIG has upgraded its rating for Upstart Holdings, Inc. (UPST) to Buy from Neutral, citing the potential for a bank charter to significantly decrease the company's funding risks. The analyst also increased the price target for UPST from $30 to $53, indicating a strong belief in the company's future performance following this strategic move.
UPST (Upstart Holdings) Cash And Cash Equivalents : $ Mil (As of Dec. 2025)
This article provides financial information for Upstart Holdings Inc (UPST), focusing on its Cash And Cash Equivalents as of December 2025, which is reported as "$ Mil." GuruFocus rates UPST with a GF Score of 65/100 and a GF Value of $52.87, suggesting it might be a "Possible Value Trap" with its current price of $24.77 trading 53.1% below its estimated fair value. The article also includes various valuation metrics, financial ratios, growth rates, and an overview of the company's business description and comparable companies within the Credit Services industry.
I Was So Wrong About Upstart: Do Not Ignore The AI Threat
The author has downgraded Upstart to a sell due to stagnant margins, increasing macro uncertainty, and heightened competition from AI-driven solutions. Despite decent revenue growth, the company's margin contraction and limited upside to guidance are disappointing. The current valuation is considered uncompelling, especially given the optimistic long-term guidance from management in the face of economic cyclicality and competitive threats.
Upstart Holdings, Inc. Trade Ideas — LS:A2QJL7
This article compiles several trade ideas and analyses for Upstart Holdings, Inc. (UPST) from various traders on TradingView. The perspectives range from bullish long-term outlooks based on AI lending potential and anticipation of Fed rate hike pauses to bearish short-term predictions due to technical indicators, market corrections, and concerns over Cross River Bank's consent order, highlighting diverse trading strategies and fundamental considerations.
Upstart Stock Is Down 44% in 2026. What a $44 Fair Value Says Now
Upstart Holdings (UPST) stock is down 44% in 2026, trading at $25 despite renewed revenue growth. A valuation model suggests the stock could reach $44 per share by December 2028, implying a 75.2% total return. This projection is based on assumptions of 45% annual revenue growth, 4.1% operating margins, and an 11.3x P/E multiple, with volatility expected as investors monitor funding access and profitability.
Upstart Holdings stock hits 52-week low at $24.82 amid market challenges
Upstart Holdings Inc. (UPST) stock has dropped to a 52-week low of $24.82, trading just above its previous low of $24.93, amidst broader economic uncertainties and high market volatility. Despite analysts suggesting it might be undervalued with a fair value of $28.79, the AI-driven lending platform has experienced significant declines over the past year. Recent strategic moves include a $1 billion forward-flow commitment for consumer loans and an application for a national bank charter, which analysts believe could lead to cost savings.
Upstart Holdings, Inc. (NASDAQ:UPST) Receives Consensus Recommendation of "Hold" from Brokerages
Upstart Holdings, Inc. (NASDAQ:UPST) has received a consensus "Hold" rating from brokerages, with an average 12-month price target of $47.77. The company recently reported slightly better-than-expected earnings and revenue, along with authorizing a $100 million share buyback. Insider and institutional activity shows some selling by the CFO, but overall increased positions by several institutional firms.
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Upstart Holdings, Inc. - UPST
Pomerantz LLP has launched an investigation into Upstart Holdings, Inc. (NASDAQ: UPST) following a sharp decline in its stock price. The investigation concerns potential securities fraud or unlawful business practices after Upstart missed third-quarter expectations due to issues with its underwriting system. Investors who suffered losses are encouraged to contact the law firm.
Upstart Holdings, Inc. (UPST) CFO Andrea Blankmeyer named as insider
Upstart Holdings, Inc.'s Chief Financial Officer, Andrea Blankmeyer, has been identified as an insider in an initial statement of beneficial ownership (Form 3) filed by the company. This filing indicates her role as an officer but reports no purchases, sales, or other insider transactions. The document serves to establish her insider status for future reporting requirements.
Upstart Partners With Harborstone Credit Union for Personal Lending
Upstart Holdings, Inc. has partnered with Harborstone Credit Union, enabling Harborstone to offer personal lending through the Upstart Referral Network. This collaboration follows Harborstone's investment in whole personal loans originated through Upstart's AI-powered marketplace in 2025. The partnership aims to provide consumers with better access to affordable credit by combining Harborstone's balance sheet strength with Upstart's AI-driven digital experience.
Upstart Holdings Faces Weak Start with 5.5% Gap Down Amid Market Concerns
Upstart Holdings Inc. opened with a significant 5.5% loss, continuing an underperformance trend against the S&P 500, with declines of 6.65% over the past day and 17.6% over the past month. Technical indicators, including MACD and moving averages, reflect a bearish sentiment for the stock. The company's financial metrics show a price-to-earnings ratio of 53.00, return on equity of 6.42%, debt-to-equity ratio of 1.04, and a price-to-book ratio of 3.41.
Harborstone Credit Union Selects Upstart for Personal Lending
Harborstone Credit Union has partnered with Upstart to enhance its personal lending services, beginning in February 2026. Through the Upstart Referral Network, qualified applicants receive tailored loan offers and a seamless online experience. Additionally, Harborstone invested in whole personal loans via Upstart's AI-powered marketplace in 2025, integrating both direct originations and loan purchases for a modern digital lending approach.
Harborstone Credit Union Selects Upstart for Personal Lending
Harborstone Credit Union, serving over 120,000 members in Washington, has partnered with Upstart, an AI lending marketplace, to enhance its personal lending services. This collaboration will allow Harborstone to invest in high-quality personal loans and offer a modern, digital borrowing experience, leveraging Upstart's platform for both direct originations and loan purchases. The partnership aims to improve the financial wellness of members and expand access to affordable credit through AI-powered solutions.
Upstart Holdings, Inc. (UPST) Experiences a Sharper Decline Compared to the Market: Key Points to Consider
Upstart Holdings, Inc. (UPST) closed lower, with a 4.69% decline, underperforming the broader market. The company's stock has shown a 2.38% increase over the past month, surpassing both the Finance sector and the S&P 500. Investors are anticipating strong earnings with projected EPS growth of 26.67% and revenue increase of 35.92% for the upcoming quarter, although the company currently holds a Zacks Rank of #5 (Strong Sell).
Upstart Holdings, Inc. Investigated by the Portnoy Law Firm
The Portnoy Law Firm has launched an investigation into potential securities fraud concerning Upstart Holdings, Inc. (NASDAQ: UPST) after its stock price significantly dropped following a missed third-quarter financial expectation disclosure on November 5, 2025. The decline was attributed to issues with the company's "Model 22 underwriting system," which led to reduced borrower approvals and conversion rates. The law firm is encouraging affected investors to contact them for a complimentary case evaluation and to discuss their legal rights.
Upstart Holdings, Inc. Investigated by the Portnoy Law Firm
The Portnoy Law Firm has launched an investigation into Upstart Holdings, Inc. (NASDAQ: UPST) for possible securities fraud, indicating a potential class-action lawsuit. This follows a significant drop in Upstart's stock price after the company missed its third-quarter financial expectations, primarily due to issues with its "Model 22 underwriting system" which led to reduced borrower approvals and conversion rates. Investors are encouraged to contact the law firm to discuss their legal rights and options for recovering losses.
AI lending marketplace Upstart to apply for banking charter
Upstart Holdings Inc., an AI lending marketplace, plans to apply to regulators to establish Upstart Bank. If approved, this move is expected to reduce the company's financial, regulatory, and operational expenses, enabling it to provide deposit funding and lending at a consistent rate. Upstart aims to work with regulators like the OCC, FDIC, and the Fed to set standards for AI model deployment within the banking system.
500,000 Shares in Upstart Holdings, Inc. $UPST Bought by Groupama Asset Managment
Groupama Asset Managment recently acquired 500,000 shares of Upstart Holdings, Inc. (NASDAQ:UPST), amounting to a significant $25.4 million stake and roughly 0.51% ownership. Despite this institutional vote of confidence and strong Q3 earnings where Upstart exceeded EPS and revenue estimates, the stock is trading near its 12-month low, and a CFO insider sale was reported. Analysts maintain a "Hold" rating with a consensus price target of $47.77, indicating mixed sentiment alongside a recently announced $100 million share buyback program.
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Upstart Holdings, Inc. - UPST
Pomerantz LLP is investigating potential securities fraud claims against Upstart Holdings, Inc. (NASDAQ: UPST) on behalf of its investors. The investigation follows a sharp decline in Upstart's stock price after the company missed third-quarter expectations due to issues with its underwriting system. Investors affected by this drop are encouraged to contact Pomerantz LLP for information on joining a potential class action lawsuit.
Upstart Holdings, Inc. (UPST) Stock Declines While Market Improves: Some Information for Investors
The article discusses Upstart Holdings, Inc. (UPST) stock performance, noting its recent decline despite a general market improvement. It aims to provide investors with relevant information regarding this discrepancy.
Upstart Holdings, Inc. (UPST) Is Gaining Attention: Key Information to Consider Before Investing
Upstart Holdings, Inc. (UPST) is attracting significant investor attention, making it one of the most searched stocks on Zacks.com. While its share price recently declined by 13%, the article emphasizes evaluating fundamental factors like earnings estimates, revenue growth, and valuation. Despite projected earnings and revenue growth, Upstart currently holds a Zacks Rank #5 (Strong Sell) due to unchanged consensus estimates and an "F" valuation grade, suggesting it may underperform the broader market.
Upstart Announces a $1B Forward-Flow Agreement with Eltura Ventures and Aperture Investors
Upstart Holdings Inc. announced a forward-flow agreement to sell up to $1 billion of consumer loans originated through its platform to Eltura Capital Management, Aperture Investors, and co-investors. This 12-month agreement builds on an existing relationship and is the largest forward-flow arrangement of its kind between the parties. The collaboration aims to strengthen Upstart's funding ecosystem and provide diverse capital sources for its AI-driven lending marketplace.
Upstart Stock Gains On BTIG Upgrade, $1B Forward-Flow Deal
Upstart Holdings (UPST) stock rose following a BTIG upgrade to Buy with a $43 price target, driven by the potential positive impact of the company's application to form an insured national bank, Upstart Bank. BTIG believes a bank charter could significantly reduce costs and dependence on private-credit funding. Additionally, Upstart announced a new forward-flow agreement totaling $1 billion for consumer loan purchases, further supporting its funding ecosystem.
Upstart Holdings, Inc. Trade Ideas — BMV:UPST
The article compiles various trade ideas and analyses for Upstart Holdings, Inc. (UPST) from different traders on TradingView. These analyses present both bullish and bearish perspectives, utilizing technical indicators, fundamental data, and upcoming events like earnings reports and potential Fed interest rate decisions. Key themes include UPST's AI lending model, its recent stock performance (including a significant short squeeze), financial challenges, and the impact of the broader economic environment on its business.
Upstart Announces a $1B Forward-Flow Agreement with Eltura Ventures and Aperture Investors
Upstart Holdings, Inc. announced a $1 billion forward-flow agreement with Eltura Capital Management, Aperture Investors, and co-investors. This commitment allows the investor group to purchase consumer loans originated through Upstart's AI lending platform over a 12-month period, deepening existing relationships and securing a robust funding ecosystem for Upstart's loans. The partnership reinforces confidence in Upstart's technology-driven origination platform.
BTIG Upgrades Upstart Stock as Analyst Sees 63% Upside for the AI Lender
BTIG has upgraded Upstart (UPST) stock to Buy with a price target of $43, implying a 63% upside, primarily due to Upstart's plan to apply for a national bank charter. This move is expected to stabilize the company's funding and address investor concerns despite the stock's significant drop in 2026. The AI-powered lender reported strong Q4 2025 earnings with substantial growth in originations and revenue, positioning the bank charter as a crucial step for future recovery.
Upstart Holdings Inc (UPST) Shares Up 5.24% on Mar 16
Upstart Holdings Inc (UPST) shares increased by 5.24% on March 16, closing at $27.74. This price is significantly below its 52-week high but slightly above its 52-week low. Wall Street analysts predict an average one-year target price of $50.93, indicating an 83.58% upside, while GuruFocus estimates a fair value of $70.01.
Upstart Stock Surges After BTIG Highlights Overlooked Upside
Upstart Holdings stock surged after BTIG upgraded it to Buy and set a $43 price target, citing an overlooked catalyst. The upgrade follows Upstart’s announcement of its intent to form an insured national bank, which BTIG believes will address funding cycle exposure and lead to significant cost savings. The analyst sees substantial upside potential, estimating a 67% gain from its recent close.
Upstart’s stock rises as analyst says investors have been ignoring a key catalyst
Shares of Upstart (UPST) rose following an analyst upgrade from BTIG, which cited the company's plan to obtain a banking charter as a key catalyst. The analyst believes this move will reduce Upstart's exposure to private credit, lower costs, and decrease regulatory risks. The upgrade suggests a 55% upside for the stock.
BofA Remains Neutral on Upstart Holdings (UPST)
Bank of America Securities has reiterated its Neutral rating on Upstart Holdings Inc. (UPST), lowering its price target from $60 to $49 but still noting an upside potential of over 90%. This adjustment reflects a broader recalibration in the consumer finance sector due to macroeconomic uncertainties. Upstart recently repurchased $100 million of its common stock as part of a larger share repurchase program, buying 3,193,294 shares at an average price of $31.31.
BTIG upgrades Upstart stock on bank charter cost savings potential
BTIG upgraded Upstart Holdings Inc (NASDAQ:UPST) to Buy from Neutral, setting a price target of $43.00, due to potential cost savings from the company's planned national bank charter application. The firm estimates that a bank charter could increase Upstart's annual earnings per share by 60% by reducing transaction volume costs. This move is also expected to offer downside protection and expand Upstart's customer base.
This Upstart Analyst Turns Bullish; Here Are Top 5 Upgrades For Monday
Five companies received analyst upgrades on Monday, with one analyst turning bullish on Upstart Holdings Inc. PennyMac Financial Services Inc, LifeMD Inc, Upstart Holdings Inc, Circle Internet Group Inc, and Rocket Companies Inc all saw their analyst ratings improved by various firms, including Keefe, Bruyette & Woods, Mizuho, BTIG, and Clear Street. This article details the specific upgrades, including new price targets and previous ratings.
BTIG upgrades Upstart stock on bank charter cost savings potential
BTIG has upgraded Upstart Holdings Inc (NASDAQ:UPST) to Buy from Neutral, setting a price target of $43.00, due to potential cost savings from the company's bank charter application. The firm believes a national bank charter will significantly reduce transaction volume costs, potentially increasing annual earnings per share by 60%. This upgrade addresses concerns about Upsart's private credit exposure and positions the stock as undervalued, according to InvestingPro analysis.
BTIG Upgrades Upstart Holdings Inc (UPST) to Buy
BTIG has upgraded Upstart Holdings Inc (UPST) to a Buy rating with a price target of $43.00, citing the company's recent bank application announcement which addresses key downside risks related to private credit exposure. The analyst believes Upstart's current share price does not reflect the potential upside from becoming a bank and is overly pricing in liquidity risk. The upgrade is also driven by significant potential cost savings, downside protection in liquidity-drying scenarios, and the expansion of the customer base through a unified regulatory framework.
Revolut, Upstart Apply For National Bank Charters
Revolut and Upstart have both applied for national bank charters in the U.S., signaling their intent to expand direct banking operations. Revolut, already operating as a bank in Europe, aims to innovate faster and gain more control over its U.S. services, while Upstart plans to leverage AI for lending and reduce operational complexities. This news comes amidst ongoing issues with Bilt's rent rewards program and Oregon's decision to opt out of a key provision of the DIDMCA.
Clear Street Group Inc. Invests $29.02 Million in Upstart Holdings, Inc. $UPST
Clear Street Group Inc. has bought a new position in Upstart Holdings, Inc. (NASDAQ:UPST) during the third quarter, acquiring 571,212 shares valued at approximately $29.02 million. This investment makes Clear Street Group Inc. a significant shareholder, owning about 0.59% of Upstart. Other institutional investors have also adjusted their holdings, and insider activity shows some selling, while analyst ratings are mixed with an average "Hold" consensus.
A Look At Upstart Holdings (UPST) Valuation As It Pursues A New National Bank Charter
Upstart Holdings (UPST) is seeking a national bank charter, which could significantly alter its AI lending platform and risk profile. Despite recent stock declines, the company's valuation narrative suggests it is undervalued, with an estimated fair value of $56.64, compared to its current price of $26.36. This valuation hinges on the continued accuracy of its underwriting models and funding availability, while its P/E ratio of 46.7x indicates potential valuation risk if earnings falter.
Upstart (UPST) applies for national bank charter
Upstart Holdings, Inc. (UPST) has applied for a national bank charter, signaling its expansion ambitions within the financial sector. This strategic move could allow Upstart to operate a national bank, potentially altering its business model and regulatory landscape.
Upstart Bank Charter Plan Puts Valuation And Funding Model In Focus
Upstart Holdings plans to apply for a US national bank charter to establish Upstart Bank, N.A., seeking approval from the OCC, FDIC, and Federal Reserve. This strategic move could allow Upstart to operate as an insured national bank with direct access to consumer deposits, potentially simplifying its funding model and reducing reliance on third-party partners. While the stock has seen recent declines, this shift could provide long-term benefits in funding costs, pricing flexibility, and loan management, subject to regulatory approval.
