Upstart Holdings Inc. ($UPST) Stock Forecast: Down 5.9% Today

What is Upstart Holdings Inc.?

Upstart Holdings, Inc. (UPST) is a technology company specializing in using artificial intelligence for lending decisions. The company witnessed a downward trend in the market today.

Why is Upstart Holdings Inc. going down?

UPST stock is down 5.9% on Aug 7, 2025 14:01

• Despite showcasing robust year-over-year revenue growth and achieving profitability, Upstart Holdings, Inc. faced a significant decline compared to the broader market.
• The company's optimistic financial outcomes and revised full-year sales guidance were eclipsed by notable pessimism in the options market from major financial institutions.
• Upstart surpassed analyst expectations in its second-quarter earnings, yet market sentiment appeared to be more impacted by the negative options trading activity.
• The discrepancy between Upstart’s strong performance and the adverse market response indicates potential investor concerns regarding future growth prospects or external market factors that could affect the company’s operations.

UPST Price Chart

UPST Technical Analysis

UPST News

Upstart Stock Is Falling Wednesday: What's Going On? - Upstart Hldgs ( NASDAQ:UPST )

Upstart reports a 102% year-over-year increase in revenue and returns to profitability with $5.6 million in GAAP net income. The company raises its full-year sales guidance to $1.05 billion, up from a previous forecast of $1.01 billion.

https://www.benzinga.com/trading-ideas/movers/25/08/46922024/upstart-stock-is-falling-wednesday-whats-going-on

Upstart Stock Is Tumbling After Hours: What's Going On? - Upstart Hldgs ( NASDAQ:UPST )

Upstart reports second-quarter revenue of $257 million, beating analyst estimates of $225.28 million. Upstart reports second-quarter adjusted earnings of 36 cents per share, beating estimates of 26 cents per share. The market's back, and these 3 income stocks are thriving. See them here→

https://www.benzinga.com/markets/earnings/25/08/46873974/upstart-stock-is-tumbling-after-hours-whats-going-on

Decoding Upstart Hldgs's Options Activity: What's the Big Picture? - Upstart Hldgs ( NASDAQ:UPST )

Financial giants have made a conspicuous bearish move on Upstart Hldgs. Our analysis of options history for Upstart Hldgs UPST revealed 10 unusual trades. Delving into the details, we found 10% of traders were bullish, while 70% showed bearish tendencies.

https://www.benzinga.com/insights/options/25/08/46858431/decoding-upstart-hldgss-options-activity-whats-the-big-picture

Gear Up for Upstart ( UPST ) Q2 Earnings: Wall Street Estimates for Key Metrics

Besides Wall Street's top-and-bottom-line estimates for Upstart (UPST), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended June 2025.

https://www.zacks.com/stock/news/2661779/gear-up-for-upstart-upst-q2-earnings-wall-street-estimates-for-key-metrics

Upstart Holdings, Inc. ( UPST ) Suffers a Larger Drop Than the General Market: Key Insights

The latest trading day saw Upstart Holdings, Inc. (UPST) settling at $79.22, representing a -3.08% change from its previous close.

https://www.zacks.com/stock/news/2651219/upstart-holdings-inc-upst-suffers-a-larger-drop-than-the-general-market-key-insights

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Upstart Holdings Inc. Price History

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.

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.

05.07.2025 - UPST Stock was up 5.9%

• UPST stock demonstrated significant bullish momentum today.
• The optimism in the market is possibly linked to the forthcoming Q2 earnings, with analysts forecasting positive results for key performance indicators.
• Despite a recent decline in stock value, the prevailing market outlook remains bullish, evident from options trading data highlighting a predominance of optimistic traders.
• The favorable market outlook towards UPST may also be influenced by general market trends and investor trust in the company's innovative AI-based lending system.

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.

07.07.2025 - UPST Stock was down 5.9%

• Despite showcasing robust year-over-year revenue growth and achieving profitability, Upstart Holdings, Inc. faced a significant decline compared to the broader market.
• The company's optimistic financial outcomes and revised full-year sales guidance were eclipsed by notable pessimism in the options market from major financial institutions.
• Upstart surpassed analyst expectations in its second-quarter earnings, yet market sentiment appeared to be more impacted by the negative options trading activity.
• The discrepancy between Upstart’s strong performance and the adverse market response indicates potential investor concerns regarding future growth prospects or external market factors that could affect the company’s operations.

06.07.2025 - UPST Stock was down 11.0%

• Despite reporting better-than-expected revenue and earnings for the second quarter, Upstart's stock faced a larger drop than the broader market, indicating unfavorable market sentiment.
• Financial giants engaging in bearish options activities, with 70% displaying such tendencies, likely exerted downward pressure on the stock price.
• A mixed market sentiment was observed, with 38% of traders being bullish and 33% bearish, potentially contributing to the stock's volatility and uncertainty.
• In conclusion, the stock's significant bearish movement can be attributed to the combination of robust fundamentals, negative market sentiment, and bearish options activity.

31.06.2025 - UPST Stock was up 6.8%

• UPST stock demonstrated a bullish trend today, following a minor dip in the previous trading session.
• The uptick in UPST's stock price could be linked to positive smart money activity in UPST options, reflecting a strong belief in the company's future prospects.
• Furthermore, the comparison between StoneCo and Upstart within the fintech industry might have captured investor attention towards UPST, driving its upward trajectory.
• UPST's innovative use of AI to transform the U.S. credit market likely played a role in fostering the optimistic market sentiment surrounding the stock.

01.07.2025 - UPST Stock was down 5.3%

• UPST saw a notable decrease, ending the day at $81.74, down 1.9% from the prior trading session, despite positive sentiments from financial entities in the options market.
• Potential contrast in views regarding UPST's growth in comparison to peers such as StoneCo could have impacted the bearish movement.
• Profit-taking actions from investors with bullish UPST positions may have also played a role in the market downturn.
• Today's bearish trend in UPST appears to stem from profit realization, market volatility, and comparative evaluations with other fintech stocks.

01.07.2025 - UPST Stock was down 5.6%

• UPST stock dipped by -1.9% in a bearish market movement.
• Despite bullish options activity, the broader market sentiment likely impacted UPST negatively.
• The comparison with StoneCo and discussions on its fintech approach may have influenced investor sentiment.
• Market concerns about the overall economic outlook could have contributed to the bearish trend in UPST today.