Upstart Holdings Inc. ($UPST) Stock Forecast: Down 6.8% Today

What is Upstart Holdings Inc.?

Upstart Holdings, Inc. (UPST) is a fintech company that utilizes AI to revolutionize credit decision-making in the U.S. market.

Why is Upstart Holdings Inc. going down?

UPST stock is down 6.8% on Jul 29, 2025 20:00

• Despite a bullish stance from smart money in UPST options, the stock experienced a bearish movement today.
• The comparison with StoneCo in the fintech sector might have raised concerns about Upstart's growth potential.
• The market's reaction to Upstart's stock drop could be due to profit-taking after a recent surge in price.
• SoFi's aggressive growth strategy and strong financial performance may have overshadowed Upstart's developments, leading to a bearish market movement for UPST.

UPST Price Chart

UPST Technical Analysis

UPST News

StoneCo vs. Upstart: Which Fintech Stock Has More Upside This Year?

STNE and UPST are taking distinct fintech routes. One is scaling in Brazil, while the other is rewriting U.S. credit with AI. Which has more upside?

https://www.zacks.com/stock/news/2634435/stoneco-vs-upstart-which-fintech-stock-has-more-upside-this-year

Smart Money Is Betting Big In UPST Options - Upstart Hldgs ( NASDAQ:UPST )

Whales with a lot of money to spend have taken a noticeably bullish stance on Upstart Hldgs. Looking at options history for Upstart Hldgs UPST we detected 27 trades. If we consider the specifics of each trade, it is accurate to state that 44% of the investors opened trades with bullish ...

https://www.benzinga.com/insights/options/25/07/46667596/smart-money-is-betting-big-in-upst-options

Upstart Holdings, Inc. ( UPST ) Stock Drops Despite Market Gains: Important Facts to Note

Upstart Holdings, Inc. (UPST) closed the most recent trading day at $82.7, moving 1.7% from the previous trading session.

https://www.zacks.com/stock/news/2614469/upstart-holdings-inc-upst-stock-drops-despite-market-gains-important-facts-to-note

SoFi is Playing to Win and Not Backing Down From the Fintech Fight

SOFI's net income surges 217% as it doubles down on innovation, partnerships, and fee-based growth amid fierce fintech rivalry.

https://www.zacks.com/stock/news/2613461/sofi-is-playing-to-win-and-not-backing-down-from-the-fintech-fight

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Upstart Holdings Inc. Price History

13.05.2025 - UPST Stock was down 6.2%

• UPST stock experienced a 5.7% decrease despite the overall market uptick.
• The downward trend in UPST stock could be linked to investors taking profits following a recent rise in its price.
• Concerns about growing competition in the fintech lending sector may have prompted investors to sell UPST shares.
• The stock's decline today could also be influenced by possible adverse developments or analyst revisions impacting investor confidence.

13.05.2025 - UPST Stock was down 5.9%

• UPST stock experienced a significant decline of -5.7% amidst a bullish market, indicating a divergence from the overall trend.
• The comparison with another fintech company might have raised doubts among investors about UPST's future growth potential.
• The market may be reacting to concerns about UPST's reliance on AI lending technology, which could be perceived as riskier compared to other fintech sectors.
• Investors might be reevaluating UPST's position in the market, leading to a sell-off and contributing to the bearish movement observed today.

29.06.2025 - UPST Stock was down 6.8%

• Despite a bullish stance from smart money in UPST options, the stock experienced a bearish movement today.
• The comparison with StoneCo in the fintech sector might have raised concerns about Upstart's growth potential.
• The market's reaction to Upstart's stock drop could be due to profit-taking after a recent surge in price.
• SoFi's aggressive growth strategy and strong financial performance may have overshadowed Upstart's developments, leading to a bearish market movement for UPST.

30.04.2025 - UPST Stock was down 5.1%

• The recent 32% decline in UPST stock over the past three months may be attributed to profit-taking by investors after a period of strong growth.
• Despite the bearish movement, the company's AI-driven lending model and impressive revenue growth suggest that UPST remains a fundamentally strong investment opportunity.
• Investors are now faced with the decision of whether to hold onto their UPST shares in anticipation of a potential rebound or to cut their losses in the short term.
• The market sentiment towards UPST may improve if the company can demonstrate continued innovation in the AI lending space and sustain its revenue growth trajectory.

22.06.2025 - UPST Stock was down 5.1%

• UPST's stock experienced a bearish trend, diverging from the general market direction, pointing to distinct factors impacting the company.
• Sentiment in the options market for UPST leaned bearish, with major financial players taking noteworthy actions against the stock.
• A comparison of UPST with PYPL indicates a possible investor preference for the strategic shift in PYPL over UPST's AI lending approach, potentially influencing UPST's stock performance.
• The blend of negative options sentiment and a comparative analysis with PYPL's strategy could have contributed to UPST's stock decline today.

07.04.2025 - UPST Stock was down 8.3%

• Upstart surpassed Q1 revenue expectations and displayed significant year-over-year growth; however, its stock saw a downward trend.
• Analysts acknowledged the advancements in Upstart's AI-based lending approach but cautioned about risks related to inflation and credit spreads, which could have influenced the negative market sentiment.
• The stock's decline in contrast to the overall market rise suggests that internal factors particular to the company may have played a role in the bearish movement.
• Investors appear hesitant about Upstart's future performance, given the market's response to the positive earnings and revenue results, indicating lingering concerns about the company's prospects amid broader economic difficulties.

14.06.2025 - UPST Stock was up 5.1%

• UPST stock demonstrated bullish movement, although there was a minor decline towards the end of the trading session.
• Notable investors, known as "whales," displayed an optimistic outlook on UPST, evident from unusual options activity.
• Market reception towards UPST's progressive strategies and growth plans was favorable, particularly in comparison to reports about SoFi Technologies focusing on growth through scale and innovation.
• The robust performance of UPST today can be attributed to a combination of positive investor sentiment and effective growth strategies.

02.06.2025 - UPST Stock was up 6.8%

• UPST had a strong bullish movement today, possibly fueled by its AI lending gains and product expansion.
• The surge in UPST's stock price may be attributed to the company exceeding market returns and gaining investor confidence.
• Despite concerns about its steep valuation, the market seems to be optimistic about UPST's growth potential.
• The comparison with SoFi's overstretched valuation highlights the contrasting perceptions in the fintech sector, with UPST standing out as a promising investment option.

10.06.2025 - UPST Stock was up 5.2%

• UPST witnessed a bullish trend today, possibly influenced by optimistic market sentiments towards fintech firms.
• SoFi Technologies' robust financial results and key partnerships within the fintech field might have bolstered investor trust in UPST and comparable companies.
• SoFi's emphasis on innovation and expansion beyond traditional lending revenues may have underscored the fintech sector's growth prospects, positively impacting UPST's stock performance.

17.06.2025 - UPST Stock was up 5.8%

• UPST experienced a strong bullish movement today.
• The upbeat market sentiment may be linked to notable options activity, indicating optimistic positions from investors with substantial capital.
• Comparisons made between UPST and PYPL seem to have attracted attention, prompting investors to consider the potential for sustained growth in the fintech industry.
• Despite a recent decline, the overall market mood appears to have turned positive, potentially influenced by optimistic investments from major players as highlighted in recent commentaries.

14.04.2025 - UPST Stock was down 5.0%

• The comparison between UPST and AFRM might have caused some investors to reevaluate their positions, potentially leading to profit-taking in UPST.
• Concerns about the growth prospects of UPST compared to its competitors could have triggered a sell-off in the stock.
• The competition between UPST and AFRM may have raised doubts about UPST's ability to maintain its market position, leading to a bearish movement in the stock.

23.05.2025 - UPST Stock was up 5.5%

• UPST experienced a strong bullish movement despite a recent stock price decline.
• Market sentiment may be influenced by the company's AI-driven lending platform and its disruptive potential in the lending industry.
• Investor confidence in UPST's long-term growth outlook may have contributed to the positive movement.
• The prior trading session's negative shift might be a short-term correction, overshadowed by the continued positive sentiment towards Upstart Holdings, Inc.