Upstart Holdings Inc. ($UPST) Stock Forecast: Down 16.0% Today

What is Upstart Holdings Inc.?

Upstart Holdings, Inc. (NASDAQ: UPST) operates as a prominent AI lending platform utilizing machine learning to transform the credit industry, focusing on making affordable credit accessible to consumers.

Why is Upstart Holdings Inc. going down?

UPST stock is down 16.0% on Nov 5, 2025 17:51

• 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.

UPST Price Chart

UPST Technical Analysis

UPST News

Why Is Upstart Stock Down Today? - Upstart Hldgs ( NASDAQ:UPST )

Shares of Upstart Holdings, Inc. ( NASDAQ:UPST ) are trading lower Wednesday after the company reported mixed earnings results for the third quarter and issued weak guidance. UPST is encountering selling pressure. See what is driving the movement here.

https://www.benzinga.com/trading-ideas/movers/25/11/48659491/why-is-upstart-stock-down-today

Upstart Holdings, Inc. ( UPST ) Q3 Earnings Top Estimates

Upstart (UPST) delivered earnings and revenue surprises of +23.81% and -1.39%, respectively, for the quarter ended September 2025. Do the numbers hold clues to what lies ahead for the stock?

https://www.zacks.com/stock/news/2785103/upstart-holdings-inc-upst-q3-earnings-top-estimates

Upstart Stock Slides After Mixed Q3 Results: Details - Upstart Hldgs ( NASDAQ:UPST )

Upstart Holdings, Inc. ( NASDAQ:UPST ) stock slid after the company released its third-quarter earnings report after Tuesday's closing bell, missing revenue estimates for the quarter. Here's a look at the details in the report.

https://www.benzinga.com/markets/earnings/25/11/48639415/upstart-stock-slides-after-mixed-q3-results-details

UPST Q3 Earnings Preview: Should You Buy the Stock Now or Wait?

Upstart's Q3 results are likely to test its AI lending momentum as management eyes $280M in revenues and steady profitability.

https://www.zacks.com/stock/news/2783621/upst-q3-earnings-preview-should-you-buy-the-stock-now-or-wait

AI Lending Push, New Verticals Rise: Will Upstart Stay Ahead in Q3?

UPST's Q3 results are likely to reveal if its AI lending model and expanding Auto and Home segments can sustain the strong revenue rebound seen last quarter.

https://www.zacks.com/stock/news/2782858/ai-lending-push-new-verticals-rise-will-upstart-stay-ahead-in-q3

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Upstart Holdings Inc. Price History

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.

10.09.2025 - UPST Stock was down 6.1%

• UPST stock moved negatively, reaching $52.37, displaying a +1.18% change from the previous trading day.
• The stock's positive performance amidst the overall market decline could be due to investor interest in fintech firms with growth potential.
• Potential reasons for the market downturn include wider economic uncertainties and traders selling off stocks, including UPST.
• Investor focus may have shifted to news about Pagaya finalizing a $400 million auto loan-backed ABS deal, impacting UPST's stock performance adversely.

18.08.2025 - UPST Stock was up 5.3%

• UPST's positive performance is linked to its AI-driven lending surge and expanding product suite, standing out among competitors in the fintech sector.
• Despite market fluctuations, UPST continued on a bullish trajectory, reflecting investor confidence in its innovative strategies.
• UPST's resilience and attractiveness to investors seeking growth opportunities in the fintech industry are evident in its consistent upward momentum despite market challenges.

23.08.2025 - UPST Stock was down 5.0%

• UPST stock saw a 4.4% decline, contrasting with the broader market's upward movement.
• The drop in UPST stock price could be linked to investors taking profits following a period of significant growth.
• Concerns may arise among investors regarding the impact of increasing interest rates on Upstart's borrowing expenses and profitability.
• The downward push on UPST shares might be a result of a change in market sentiment towards fintech stocks in general.

16.09.2025 - UPST Stock was down 5.1%

• UPST closed lower today despite outperforming the broader market in the previous trading session.
• The comparison with PayPal in the fintech sector might have raised concerns among investors about UPST's competitive position and growth potential.
• The positive movement in UPST amidst a falling market could indicate that investors are still optimistic about the company's long-term prospects despite the bearish trend today.

28.07.2025 - UPST Stock was up 5.0%

• UPSTART (UPST) exhibited a strong bullish movement recently, potentially influenced by the positive market sentiment surrounding fintech companies adopting AI-driven lending strategies, similar to Pagaya.
• The market's favorable response might be attributed to UPSTART's growth potential and innovative approach in lending, as demonstrated by Pagaya's AI-driven model.
• Investors may be optimistic about UPSTART's future growth and competitive advantage in the fintech sector, contributing to the bullish market movement.

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.

30.08.2025 - UPST Stock was down 6.5%

• UPST stock experienced a significant bearish movement, dropping by 8.04% despite overall market gains.
• The drop could be attributed to profit-taking by investors after a period of strong growth in the stock price.
• Investors might be concerned about rising interest rates impacting the lending industry, leading to a sell-off in UPST shares.
• It is essential for investors to closely monitor market trends and company performance to make informed decisions regarding UPST stock.

20.09.2025 - UPST Stock was up 5.0%

• UPST stock demonstrated a strong performance compared to the overall market.
• The company's expansion into different lending sectors is considered a crucial factor for sustained growth.
• While UPST is often pitted against fintech giant PayPal, which benefits from diversified growth and AI collaborations, investors have responded positively to UPST's high-risk, high-reward approach in specialized markets, contributing to its bullish movement.

30.09.2025 - UPST Stock was down 5.4%

• UPST experienced a bearish movement despite settling slightly higher than the previous close.
• Investors may be favoring the steady profitability of other fintech companies over UPST's volatile AI-driven lending model.
• Investor concerns about rich valuations could have contributed to the bearish movement in UPST.
• Despite settling higher, the overall sentiment and comparisons with other fintech stocks indicate a lack of confidence in UPST's current position in the market.

30.09.2025 - UPST Stock was down 8.8%

• UPST experienced a bearish trend in the stock market despite credit unions integrating its AI lending platform, potentially raising concerns among investors.
• Market sentiment may have been influenced by comparing UPST with StoneCo, another player in the fintech industry, as investors seemed to prefer StoneCo's stable profitability over UPST's fluctuating performance.
• The upcoming Q3 earnings report from SoFi Technologies and its probable impact on the fintech sector might have shifted attention away from UPST, contributing to the drop in its stock value.
• Although UPST showed better performance than the overall market on the latest trading day, its general downward trajectory suggests that investors could be reassessing the company's growth prospects and competitive position.