Upstart Holdings Inc. ($UPST) Stock Forecast: Down 5.4% Today

What is Upstart Holdings Inc.?

A financial technology company known as Upstart Holdings Inc. (UPST) relies on AI algorithms for its lending platform in collaboration with credit unions, primarily focusing on personal loans. Recently, the company has been concentrating on enhancing its market presence in California while displaying a varied performance in the NasdaqGS stock exchange.

Why is Upstart Holdings Inc. going down?

UPST stock is down 5.4% on Jan 30, 2026 14:50

• Following the partnership between Upstart and Rize Credit Union to advance in the California market, there was a considerable downward trend in the company's stock.
• Despite earlier forecasts anticipating a robust recovery and growth trajectory for Upstart's stock in 2026, the recent depreciation in share value has overshadowed these projections.
• Upstart's stock demonstrated weaker performance compared to the broader market, evident from the 4.49% decline, which likely influenced the downward trend.
• Despite observed credit improvements, a neutral rating from BTIG and apprehensions regarding extended payback periods and negative free cash flow potentially heightened concerns around Upstart, contributing to the negative market sentiment and subsequent bearish market movement.

UPST Price Chart

UPST Technical Analysis

UPST News

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.

https://simplywall.st/stocks/us/diversified-financials/nasdaq-upst/upstart-holdings/news/upstart-expands-california-reach-as-rize-partnership-meets-w

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.

https://finviz.com/news/291161/prediction-2026-will-be-the-year-of-upstart

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).

https://www.sharewise.com/us/news_articles/Upstart_Holdings_Inc_UPST_Registers_a_Bigger_Fall_Than_the_Market_Important_Facts_to_Note_Zacks_20260128_2350

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.

https://finviz.com/news/289552/1-profitable-stock-with-impressive-fundamentals-and-2-facing-headwinds

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.

https://ng.investing.com/news/analyst-ratings/btig-maintains-neutral-rating-on-upstart-stock-amid-credit-improvements-93CH-2304929

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Upstart Holdings Inc. Price History

29.00.2026 - UPST Stock was down 5.3%

• Despite positive growth over the past month, Upstart Holdings (UPST) faced a 4.49% decline today, underperforming the broader market.
• The company's upcoming earnings release with anticipated increases in EPS and revenue may have raised expectations, leading to a sell-off when the market sentiment did not align with these projections.
• Concerns about long payback periods, negative free cash flow, and a high P/E ratio may have contributed to investor caution and the bearish movement in the stock.
• While improvements in credit metrics were noted, the market may be reacting to the perceived overvaluation of the stock and the need for sustained positive performance to justify current price levels.

15.11.2025 - UPST Stock was down 5.1%

• A comparison with Chime Financial may have influenced investor feelings regarding Upstart, noting its growth potential alongside valuation concerns.
• The Q3 earnings review highlighting Upstart's underperformance in contrast to analyst expectations likely contributed to bearish movement, indicating potential difficulties in meeting growth targets.
• Optimism among investors recently led to a 25% increase in Upstart shares, possibly resulting in an overvaluation and setting the stage for a correction as growth projections are questioned.
• A cautious stance post-Q3 earnings raised concerns about customer acquisition costs, cash burn, and debt levels, potentially further decreasing investor confidence and impacting Upstart's stock performance.

05.00.2026 - UPST Stock was up 5.8%

• UPST stock witnessed a significant upward trend today.
• The increase in UPST stock value is linked to the company's unexpected Q4 profit, which exceeded analyst predictions and showcased enhancements in crucial financial indicators.
• The optimistic market response also mirrors investors' confidence in Upstart's AI-centered lending platform and its ability to adjust to market dynamics, as exemplified by an "Outperform" rating on UPST shares from analyst Dan Dolev of Mizuho.
• Despite potential challenges from competitors and the cyclical nature of the industry, Upstart's groundbreaking approach to consumer lending and strong financial performance have set the stage for sustained growth and a leading position in the fintech sector.

25.10.2025 - UPST Stock was up 5.5%

• UPST saw a significant upward trend in its stock today, driven by its ongoing growth and diversification in lending verticals.
• Investor confidence was likely boosted by the company's efforts to enhance its AI underwriting model and introduce new calibration tools to streamline approvals and widen loan offerings.
• The expansion into auto and home loans, coupled with the increase in network volume and funding partners, showcases a successful diversification strategy poised for future success.
• The optimistic outlook for UPST's business operations, combined with the positive market sentiment towards fintech firms, may have further propelled the stock's upward movement.

25.10.2025 - UPST Stock was up 5.2%

• UPST experienced a strong bullish movement today, likely driven by positive sentiment surrounding its AI lending platform and growth prospects.
• Recent discussions highlight UPST's focus on adjusting its AI underwriting model to stay ahead in the industry, which may have instilled confidence in investors.
• A comparison with PGY in terms of growth setup and network volume growth suggests that UPST's strategic initiatives are being well-received by the market, contributing to its upward momentum.
• Overall, UPST's commitment to innovation and adaptation in the AI lending space seems to be paying off, attracting investors and fueling the bullish market movement.

22.00.2026 - UPST Stock was up 5.1%

• UPST stock saw a surge following a partnership with Rize Credit Union aimed at expanding personal loan access in California, signaling the company's growth and innovation focus.
• After an initial increase, the stock cooled due to market volatility and geopolitical concerns affecting tech stocks, indicating the impact of external factors on stock price changes.
• Despite a notable decrease following a fundraising program announcement, UPST's emphasis on strategic initiatives like AI-based lending models positions it for success in the competitive fintech sector in the long term.
• A comparison with SoFi Technologies highlights the competitive nature of the fintech industry, with each company having its strengths, but UPST's distinct value proposition in AI lending continues to attract investor attention, even amid short-term ups and downs.

12.00.2026 - UPST Stock was down 5.1%

• The bearish movement in UPST's stock today could be attributed to profit-taking by investors after a recent surge in share price.
• Despite positive news such as Truist Securities initiating coverage with a 'Buy' rating and Upstart's strong financial performance, the market may have reacted to potential concerns raised about the company's exposure to the credit cycle.
• The partnership with MyPoint Credit Union and the focus on profitability and operational efficiency might have positively impacted investor sentiment, but short-term market dynamics could have influenced the bearish movement today.
• Overall, the market movement in UPST today could be a combination of profit-taking, cautious investor sentiment regarding credit cycle exposure, and short-term fluctuations in the market.

18.11.2025 - UPST Stock was up 5.3%

• UPST saw a surge in its stock price, possibly driven by the collaboration with Tech CU, which has enabled the company to extend its market reach and offer quicker and more intelligent lending solutions through its AI platform.
• Favorable comparisons between Upstart and Chime Financial might have also bolstered investor confidence in UPST's trajectory and its innovative lending strategies.
• While UPST's performance in Q3 lagged behind that of certain vertical software companies, the positive market update and robust revenue growth likely played a role in the stock's upward momentum.

23.00.2026 - UPST Stock was down 5.3%

• The partnership between Upstart and Rize Credit Union to expand access to personal loans in California initially boosted Upstart's stock price. However, the subsequent cooling down of shares could be attributed to general market volatility and geopolitical concerns affecting tech stocks.
• The introduction of new options for UPST, including a put contract and a covered call strategy, indicates investor interest in managing risk and generating income amidst the stock's fluctuations.
• Despite being touted as a potential millionaire-maker due to its growth prospects and technological advantages, Upstart's stock experienced a bearish movement, possibly influenced by broader market conditions and profit-taking by investors.
• While Upstart's AI models have driven revenue growth and profitability, the stock's decline today may reflect a combination of profit booking, market uncertainty, and investors reassessing their positions in light of recent events impacting the tech sector.

16.00.2026 - UPST Stock was up 5.2%

• UPST displayed strong bullish momentum today, despite recent fluctuations in its share price.
• The anticipation surrounding the announcement of the fourth quarter and full year 2025 financial results on February 10, 2026, may have positively influenced investor sentiment.
• The market's interest in UPST remains strong due to its AI-based credit scoring system, which boosts loan approvals while minimizing defaults.
• Potential growth opportunities outlined in a recent analysis of top fintech stocks, including UPST, seem to have overshadowed analysts' varied ratings and the recent share price decline.

30.00.2026 - UPST Stock was down 5.4%

• Following the partnership between Upstart and Rize Credit Union to advance in the California market, there was a considerable downward trend in the company's stock.
• Despite earlier forecasts anticipating a robust recovery and growth trajectory for Upstart's stock in 2026, the recent depreciation in share value has overshadowed these projections.
• Upstart's stock demonstrated weaker performance compared to the broader market, evident from the 4.49% decline, which likely influenced the downward trend.
• Despite observed credit improvements, a neutral rating from BTIG and apprehensions regarding extended payback periods and negative free cash flow potentially heightened concerns around Upstart, contributing to the negative market sentiment and subsequent bearish market movement.

10.11.2025 - UPST Stock was up 5.6%

• Despite concerns raised about Upstart's Q3 earnings, the market has responded positively, indicating confidence in the company's long-term growth potential.
• Investors may be focusing on Upstart's innovative use of AI technology in the lending industry, which could drive future profitability and market expansion.
• The bullish movement suggests that market participants are optimistic about Upstart's ability to navigate challenges such as customer acquisition costs and cash flow issues, potentially leading to sustained stock price growth.