Upstart Holdings Inc. ($UPST) Stock Forecast: Up 5.3% Today

What is Upstart Holdings Inc.?

Upstart Holdings, Inc. (UPST) is an AI lending platform that has partnered with Technology Credit Union (Tech CU) to provide personal and auto refinance loans, with the goal of enhancing access to affordable credit options for consumers.

Why is Upstart Holdings Inc. going up?

UPST stock is up 5.3% on Dec 18, 2025 15:55

• 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.

UPST Price Chart

UPST Technical Analysis

UPST News

Upstart Collaborates With Technology Credit Union for Access to Personal, Auto Refinance Loans

Upstart Holdings, Inc. announced a collaboration with Technology Credit Union (Tech CU) to broaden access to personal and auto refinance loans using Upstart's AI lending platform. This partnership aims to leverage Upstart's technology to offer consumers more accessible and affordable credit options. The announcement highlights Upstart's continued expansion of its AI-powered lending marketplace to credit unions.

https://www.marketscreener.com/news/upstart-collaborates-with-technology-credit-union-for-access-to-personal-auto-refinance-loans-ce7d50dfdf89ff24

This $5B credit union is turning to AI for faster loans

Tech CU, a Bay Area credit union with nearly $5 billion in assets, has partnered with Upstart (NASDAQ: UPST), an AI lending marketplace, to offer personal and auto refinance loans. This collaboration aims to provide faster, smarter, and more seamless lending options by leveraging Upstart's AI-driven digital experiences. Tech CU began offering personal loans through the Upstart Referral Network in September 2025 and plans to expand to auto refinance loans in early 2026.

https://www.stocktitan.net/news/UPST/tech-cu-selects-upstart-for-personal-loans-and-auto-refinance-5oqf8b7rzz16.html

Better Fintech Stock: Chime Financial vs. Upstart

This article compares Chime Financial and Upstart, two fintech companies catering to lower-income customers. While Chime offers fee-free banking services, Upstart utilizes AI for loan approvals, with the article concluding that Upstart is the better buy due to stronger growth rates, a lower valuation, and clearer near-term catalysts, especially with anticipated lower interest rates.

https://finviz.com/news/252497/better-fintech-stock-chime-financial-vs-upstart

Q3 Rundown: Upstart (NASDAQ:UPST) Vs Other Vertical Software Stocks

This article reviews the Q3 earnings of several vertical software companies, highlighting Upstart (NASDAQ:UPST) as having the weakest performance against analyst estimates despite rapid revenue growth. It also covers strong performances from nCino (NASDAQ:NCNO), Doximity (NYSE:DOCS), Autodesk (NASDAQ:ADSK), and Cadence Design Systems (NASDAQ:CDNS), and provides a brief market update on the broader economic environment and recent stock market gains.

https://finviz.com/news/253284/q3-rundown-upstart-nasdaq-upst-vs-other-vertical-software-stocks

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Upstart Holdings Inc. Price History

17.10.2025 - UPST Stock was down 6.2%

• The favorable prospects and improved profitability scalability of SoFi might have diverted investor attention from Upstart Holdings, affecting UPST's stock price negatively.
• Differing opinions on Upstart's stock trajectory following a significant 41% decline in the past three months could have introduced uncertainty among investors, contributing to the bearish market movement.
• The reserved stance on Upstart's stock, influenced by various factors including shifts in models, funding developments, and macroeconomic sensitivity, may have further subdued investor confidence, leading to the bearish trend.
• In conclusion, the combination of positive outlook for competitors like SoFi and the cautious appraisal of Upstart's stock performance likely influenced the downturn in UPST's market value today.

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.

05.10.2025 - UPST Stock was down 16.0%

• UPST stock declined today following the company's announcement of mixed earnings results for the third quarter and a less optimistic outlook, prompting selling pressure.
• Although the company exceeded earnings estimates, the stock fell short of revenue projections for the quarter, generating investor worries.
• Concerns over Upstart's AI lending advancement and its potential to sustain revenue growth in sectors like Auto and Home fueled a negative market response.
• The convergence of weaker financial performance than anticipated and uncertainties about future growth prospects influenced the bearish movement in UPST stock today.

05.10.2025 - UPST Stock was down 12.7%

• UPST stock encountered a notable -7.96% downturn in the most recent trading session.
• The company's performance in Q3 was a blend, surpassing earnings expectations but failing to meet revenue projections, which influenced the stock's decline.
• The reaction from investors towards the revenue miss points to apprehensions regarding Upstart's growth outlook.
• The market's feedback indicates that, while Upstart's AI lending model and diversification into new sectors are promising, sustaining revenue growth presents a significant challenge for the company.

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.

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.

18.10.2025 - UPST Stock was up 6.5%

• UPST saw a significant uptrend today, attributed to investor confidence in its expansion into auto and home loan sectors.
• The market responded favorably to Upstart's progress in new product lines and enhanced collaborations, hinting at future revenue and profit growth.
• Despite a recent 41% decline in stock value over the last quarter, strong performance this quarter and strategic business model adjustments have restored investor faith in Upstart, driving today's positive movement.
• Positive forecasts for comparable companies like SoFi have also influenced the upbeat outlook around Upstart, reflecting broader optimism within the fintech industry.

21.10.2025 - UPST Stock was down 5.5%

• The bearish movement in UPST's stock price today could be linked to concerns about the efficiency of its AI underwriting model, resulting in reduced conversions and potential risks in loan approvals.
• UPST's expansion into auto and home loans may not have produced immediate positive outcomes, leading to a negative investor response to its diversification strategy.
• Investor sentiment towards UPST may be influenced by comparisons with SoFi, particularly in terms of scalable profitability and growth potential, potentially contributing to the downward trend in the market.

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.

31.09.2025 - UPST Stock was up 5.1%

• UPST outperformed the market today, closing with a +1.13% change.
• The surge in Credit Unions utilizing UPST's AI lending platform likely fueled investor optimism about the company's growth potential.
• Despite comparisons with other fintech stocks like StoneCo, UPST's innovative approach to lending seems to have resonated well with investors.
• The anticipation of SoFi Technologies' Q3 earnings and its impact on the broader fintech sector might have also influenced UPST's bullish movement.

14.10.2025 - UPST Stock was up 5.0%

• Despite a recent 41% drop in the stock price over the past three months, today's strong bullish movement indicates a potential reversal in the trend.
• The positive market movement could be attributed to investors reassessing UPST's strong quarter performance, including model shifts and funding gains.
• The cautious hold outlook may have been overshadowed by current market sentiment and potential growth prospects for the company.
• Overall, today's bullish movement in UPST suggests renewed investor confidence and interest in the stock, despite recent challenges.