Upstart Holdings Inc. ($UPST) Stock Forecast: Down 5.2% Today

What is Upstart Holdings Inc.?

Upstart Holdings, Inc. (UPST) operates as a financial technology company leveraging artificial intelligence for automated lending processes, emphasizing personal and auto loans. The company went public in December 2020 and has been recognized for its innovative approach to underwriting.

Why is Upstart Holdings Inc. going down?

UPST stock is down 5.2% on Mar 24, 2026 17:55

• Today's downturn in UPST stock is linked to an inquiry initiated by the Portnoy Law Firm concerning potential securities fraud and disappointing third-quarter financial performance, notably surrounding the "Model 22 underwriting system."
• Despite strong institutional buying and robust Q3 earnings, including surpassing EPS and revenue estimates, UPST stock remains close to its annual low. Factors like a CFO's stock sale and market sentiment likely contribute to the downward trend.
• The significant drop in UPST shares, despite market improvements, signals internal challenges affecting investor sentiment. Negative attention from the inquiry and ongoing concerns about the underwriting system have overshadowed positive news, like a share buyback program and strong earnings.
• Despite the growing interest in UPST, the recent stock decline and a "Strong Sell" Zacks Rank indicate potential hurdles ahead. Investors are advised to evaluate fundamental factors and stay informed about developments before deciding on investments.

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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.

https://www.globenewswire.com/news-release/2026/03/23/3260419/0/en/Upstart-Holdings-Inc-Investigated-by-the-Portnoy-Law-Firm.html

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.

https://www.globenewswire.com/news-release/2026/03/23/3260419/0/en/upstart-holdings-inc-investigated-by-the-portnoy-law-firm.html

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.

https://www.marketbeat.com/instant-alerts/filing-500000-shares-in-upstart-holdings-inc-upst-bought-by-groupama-asset-managment-2026-03-19/

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.

https://www.msn.com/en-us/money/topstocks/upstart-holdings-inc-upst-stock-declines-while-market-improves-some-information-for-investors/ar-AA1N5UTt?apiversion=v2&domshim=1&noservercache=1&noservertelemetry=1&batchservertelemetry=1&renderwebcomponents=1&wcseo=1

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.

https://www.bitget.com/amp/news/detail/12560605276557

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Upstart Holdings Inc. Price History

11.02.2026 - UPST Stock was up 6.6%

• Upstart's decision to apply for a national bank charter and become a bank holding company has sparked investor optimism, leading to a bullish movement in the stock.
• Despite a lowered price target for UPST, the market seems to be focusing more on the company's strategic shift towards becoming a bank, which is seen as a positive development.
• The new banking structure is expected to reduce operational costs and enhance Upstart's ability to offer competitive rates to borrowers, likely contributing to the bullish sentiment.
• This move positions Upstart to better navigate regulatory challenges, improve its financial standing, and potentially attract more investors looking for exposure to the fintech sector with a banking angle.

12.02.2026 - UPST Stock was down 5.3%

• Despite positive sentiments and a Buy rating from analysts, Upstart Holdings witnessed a bearish movement, showcasing a departure from analyst expectations.
• The company's plan to seek a national bank charter was initially met with optimism for its potential cost efficiencies. However, the market's response suggests possible investor apprehensions about this strategic shift.
• Benefits of the bank charter, highlighted elsewhere, may be offset by new regulatory challenges and cost risks as implied by the market reaction.
• Factors like profit-taking, market conditions, and doubts about the successful execution of the bank charter may have played a role in the discrepancy between the optimistic outlook and the negative market performance of Upstart Holdings.

18.02.2026 - UPST Stock was down 5.5%

• A $1 billion forward-flow agreement with Eltura Ventures and Aperture Investors was announced to diversify funding sources for Upstart. Despite initial optimism, concerns about effectively utilizing the increased capital may have led to the bearish market reaction.
• Upstart's Buy upgrade by BTIG and the consideration of establishing Upstart Bank through an insured national bank charter were viewed positively. However, profit-taking by investors who had already factored in these developments might have influenced the downward movement.
• Various trade ideas and analyses on TradingView presented conflicting views on Upstart, contributing to the uncertainty surrounding its future performance. The mixed perspectives likely fueled today's bearish sentiment.
• Today's stock movement in Upstart could be a result of profit-taking, uncertainty about strategic initiatives, and cautious evaluations by traders assessing the company's ecosystem.

19.02.2026 - UPST Stock was down 7.5%

• The downward movement in UPST today might be linked to the company's Zacks Rank of #5 (Strong Sell), which is influenced by steady consensus estimates and an "F" valuation grade, suggesting potential market underperformance.
• Despite the positive announcement of a $1 billion forward-flow agreement with Eltura Ventures and Aperture Investors, the stock could have been affected by a recent 13% drop in share price and concerns regarding its funding ecosystem.
• Although the BTIG upgrade to Buy with a $43 price target and the potential establishment of Upstart Bank could have provided some level of support to the stock, general market sentiment and valuation concerns may have overshadowed these favorable developments.
• The varied trade ideas and analyses from traders on TradingView, presenting both bullish and bearish viewpoints, may have contributed to the volatility and uncertainty surrounding UPST's stock performance for the day.

20.02.2026 - UPST Stock was up 5.3%

• UPST stock saw an increase in momentum following a BTIG upgrade to Buy with a $43 price target. This upgrade was driven by the potential benefits of establishing Upstart Bank, aimed at reducing costs and lessening reliance on private-credit funding.
• Investor confidence in Upstart's funding ecosystem and capital sources was further reinforced by the announcement of a $1 billion forward-flow agreement with Eltura Ventures and Aperture Investors.
• Despite recent declines and holding a Zacks Rank #5 (Strong Sell), the market reacted positively to these strategic initiatives, highlighting optimism regarding UPST's potential for future growth and financial strength.

26.01.2026 - UPST Stock was up 6.9%

• UPST experienced a bullish movement today due to the launch of Cash Line, a new credit product aimed at providing a more reliable and less predatory alternative to existing short-term credit options.
• The company's successful securing of over $500 million in capital for its auto finance platform through deals with Bayview Asset Management and Wafra also contributed to the positive market sentiment.
• With a strong focus on expanding its auto loan business and leveraging AI-driven credit assessment, Upstart is well-positioned to capture a larger share of the lucrative auto loan market, driving investor confidence and fueling the bullish movement in its stock price.
• The robust financial results reported for the second quarter of 2025, including triple-digit revenue growth and achieving GAAP profitability ahead of schedule, further solidified investor optimism in Upstart's growth trajectory, leading to the bullish market movement.

24.02.2026 - UPST Stock was down 5.2%

• Today's downturn in UPST stock is linked to an inquiry initiated by the Portnoy Law Firm concerning potential securities fraud and disappointing third-quarter financial performance, notably surrounding the "Model 22 underwriting system."
• Despite strong institutional buying and robust Q3 earnings, including surpassing EPS and revenue estimates, UPST stock remains close to its annual low. Factors like a CFO's stock sale and market sentiment likely contribute to the downward trend.
• The significant drop in UPST shares, despite market improvements, signals internal challenges affecting investor sentiment. Negative attention from the inquiry and ongoing concerns about the underwriting system have overshadowed positive news, like a share buyback program and strong earnings.
• Despite the growing interest in UPST, the recent stock decline and a "Strong Sell" Zacks Rank indicate potential hurdles ahead. Investors are advised to evaluate fundamental factors and stay informed about developments before deciding on investments.

02.02.2026 - UPST Stock was up 5.1%

• Quantbot Technologies LP and Erste Asset Management GmbH notably boosted their UPST holdings, suggesting confidence in the company's future.
• Despite recent insider selling, the disclosure of a $100 million stock buyback plan implies that the management perceives the stock to be undervalued.
• The ongoing investigation by Pomerantz LLP into potential securities fraud claims amid a stock price decline linked to Upstart's underwriting system's underperformance may be causing uncertainty among investors.
• The range of analyst ratings and the "Possible Value Trap" designation by GuruFocus's GF Value underscore the conflicting opinions on UPST's worth, adding to the stock's volatility despite positive financial outcomes.

27.01.2026 - UPST Stock was down 5.4%

• The bearish movement in UPST stock today can be attributed to the revelation that its Model 22 underwriting system led to reduced borrower approvals and conversion rates, causing a miss in third-quarter expectations. This negative news likely shook investor confidence in the company's operations.
• Despite launching the Cash Line credit product to counter unreliable credit options and securing significant capital for its auto finance platform, the impact of the underperformance in the core underwriting system seems to have overshadowed these positive developments.
• The market may be reacting to concerns about the company's ability to maintain its competitive edge in the AI lending marketplace, especially with the increased scrutiny on its underwriting practices and the potential for securities fraud claims.

23.01.2026 - UPST Stock was down 5.9%

• Despite reporting strong Q2 earnings with impressive revenue growth and profitability, Upstart's stock faced a notable decline of over 18%.
• Concerns among investors regarding the growth in loan volume on Upstart's balance sheet and negative operating cash flow might have been key factors driving the bearish movement.
• Upstart's recent moves to secure over $500 million in capital for its auto lending business through partnerships with Bayview Asset Management and Wafra have raised questions about the company's financial stability and credit quality.
• Varied opinions in discussions highlighting both growth potential and risks surrounding Upstart in the media could have contributed to the increased stock volatility and bearish sentiment.

23.01.2026 - UPST Stock was down 5.6%

• Despite strong financial performance and positive outlook in Q2 2025, Upstart's stock experienced a bearish movement, dropping over 18%.
• Investor concerns about increased loan volume on Upstart's balance sheet and negative operating cash flow led to the market reaction.
• The launch of the new credit product, Cash Line, and significant capital secured for its auto finance platform were positive developments, but worries about the company's financial metrics overshadowed them.
• The dip in Upstart's stock price presents a potential buying opportunity for long-term investors who believe in the company's growth prospects and the strength of its AI-powered underwriting capabilities.

03.02.2026 - UPST Stock was up 5.1%

• Today's upsurge in UPST's stock price is linked to positive market sentiment influenced by the company's solid quarterly earnings.
• Quantbot Technologies LP's notable increase in UPST stock holdings signals growing confidence in the company's future, especially following its surpassing of EPS projections and significant year-over-year revenue growth.
• Notwithstanding insider selling by Natalia Mirgorodskaya, the market appears more interested in Upstart's positive announcements regarding a $100 million share buyback program and successful financial performance.
• The diverse analyst ratings and "Hold" consensus possibly hint at market uncertainty, but the overall trend seems optimistic due to the company's strategic moves and financial achievements.