Upstart

UPST

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Upstart

UPST

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Upstart Analyst Rating

Forecast & Rating

Jul 21, 2026

Price forecast

$39.8039.02%

Forecast & RatingBuy

15analysts

Strong buy40.00%
Buy13.33%
Hold40.00%
Sell0.00%
Strong sell6.67%

Daily Events

Jul, 17
Upstart traded lower in the regular session, dropping approximately 4.4% to $29.52 as of 10:15 ET, retreating from its pre-market high of $30.84 and hitting an intraday low of $29.19, pressured by earnings concerns and a lack of fresh catalysts. The company reported Q1 2026 revenue up 44.55% YoY to $318.6M, but net profit swung to a loss of $6.65M, with EPS plunging 133.34% YoY to -$0.07 and a net profit margin of -2.09%, contrasting sharply with Q4 2025's 6.13%. Despite robust revenue growth, the sudden profitability deterioration weighed on sentiment. The stock at $29.52 remains 66.19% below its 52-week high of $87.30, trading below both the 20-day MA of $32.79 and the 60-day MA of $31.47, down 35.6% YTD. However, the recent $600M loan funding agreement with Neuberger Specialty Finance and the CEO's upcoming X live Q&A on UMI reporting changes signal ongoing institutional backing and transparency efforts.
Jul, 9
Upstart surged 3.9% to $33.06 during the regular session on July 9, driven by the pre-market release of the Upstart Macro Index (UMI) rising to 1.49 and the CEO's announcement of a live Q&A on UMI reporting changes. The stock opened at $31.81, rallied to an intraday high of $33.61, with the low of $31.76 occurring in pre-market. Q1 revenue grew 44.5% YoY to $318.6 million, but EPS turned negative to -$0.07, and net loss was $6.6 million, highlighting a mixed fundamental picture. The stock remains 62.1% below its 52-week high of $87.30 and down 27.9% YTD, though it closed above its 20-day MA ($32.77) and near the 60-day MA ($31.65). However, Q1 operating income of only $2.85 million raises concerns about profit sustainability.
Jul, 8
UPST staged a bounce off session lows, touching a pre-market high of $33.050 before sliding to an intraday low of $31.020, and eventually closing at $31.810, down 3.8% from the prior close of $33.060. The move was driven by a mix of operational updates and earnings: the release of June 2026 origination volume, and a recent $600M loan funding deal with Neuberger Specialty Finance for up to $600M in consumer loans, initially lifted sentiment, but Q1 2026 revenue of $318.6M (+44.6% YoY) was overshadowed by a swing to a net loss of -$6.6M and an EPS drop of 133.3% YoY. The stock sits 63.6% below its 52-week high of $87.30, down 30.6% YTD, and trades below the 20-day MA ($32.669) while roughly at the 60-day MA ($31.565), indicating ongoing price discovery. Needham & Company LLC has reaffirmed its Buy rating, while some analysts see potential upside from the company's revenue recovery and breakout.

News

Posts

Bullish vs. Bearish — Last 3 Months

11.1k followers · 0 opinions

▲Bullish50%

50%Bearish▼

D
Dolphin ResearchJun 16 at 03:35 AM
SOFI in Muddy Waters' Crosshairs: Fintech Newcomer or High-Tech Hype?
$SoFi Tech(SOFI.US) has been public for five years. Early on, it was cast as the next LendingClub, a scaling digital bank, and a high-beta fintech meme stock.
Since its 2021 debut, the shares have crashed multiple times. At the 2022 trough, they fell to about 60% of the IPO price.
Even after clawing back, turbulence has persisted. In Mar, SoFi was targeted by famed short-seller Muddy Waters.
As the short case is not without merit, Dolphin Research will unpack it in the next note. That said, whatever Muddy Waters alleges, in management’s eyes...
+29
SoFiDeep Research

Open: --
High: --
Low: --
Prev. Close: --
Volume: --
Turnover: --
Avg Price: --
Bid/Ask Ratio: --
Amplitude: --
52wk High: --
Volume Ratio: --
Turnover Ratio: --

Upstart Analyst Rating

Forecast & Rating

Jul 21, 2026

Price forecast

$39.8039.02%

Forecast & RatingBuy

15analysts

Strong buy40.00%
Buy13.33%
Hold40.00%
Sell0.00%
Strong sell6.67%

Daily Events

Jul, 17
Upstart traded lower in the regular session, dropping approximately 4.4% to $29.52 as of 10:15 ET, retreating from its pre-market high of $30.84 and hitting an intraday low of $29.19, pressured by earnings concerns and a lack of fresh catalysts. The company reported Q1 2026 revenue up 44.55% YoY to $318.6M, but net profit swung to a loss of $6.65M, with EPS plunging 133.34% YoY to -$0.07 and a net profit margin of -2.09%, contrasting sharply with Q4 2025's 6.13%. Despite robust revenue growth, the sudden profitability deterioration weighed on sentiment. The stock at $29.52 remains 66.19% below its 52-week high of $87.30, trading below both the 20-day MA of $32.79 and the 60-day MA of $31.47, down 35.6% YTD. However, the recent $600M loan funding agreement with Neuberger Specialty Finance and the CEO's upcoming X live Q&A on UMI reporting changes signal ongoing institutional backing and transparency efforts.
Jul, 9
Upstart surged 3.9% to $33.06 during the regular session on July 9, driven by the pre-market release of the Upstart Macro Index (UMI) rising to 1.49 and the CEO's announcement of a live Q&A on UMI reporting changes. The stock opened at $31.81, rallied to an intraday high of $33.61, with the low of $31.76 occurring in pre-market. Q1 revenue grew 44.5% YoY to $318.6 million, but EPS turned negative to -$0.07, and net loss was $6.6 million, highlighting a mixed fundamental picture. The stock remains 62.1% below its 52-week high of $87.30 and down 27.9% YTD, though it closed above its 20-day MA ($32.77) and near the 60-day MA ($31.65). However, Q1 operating income of only $2.85 million raises concerns about profit sustainability.
Jul, 8
UPST staged a bounce off session lows, touching a pre-market high of $33.050 before sliding to an intraday low of $31.020, and eventually closing at $31.810, down 3.8% from the prior close of $33.060. The move was driven by a mix of operational updates and earnings: the release of June 2026 origination volume, and a recent $600M loan funding deal with Neuberger Specialty Finance for up to $600M in consumer loans, initially lifted sentiment, but Q1 2026 revenue of $318.6M (+44.6% YoY) was overshadowed by a swing to a net loss of -$6.6M and an EPS drop of 133.3% YoY. The stock sits 63.6% below its 52-week high of $87.30, down 30.6% YTD, and trades below the 20-day MA ($32.669) while roughly at the 60-day MA ($31.565), indicating ongoing price discovery. Needham & Company LLC has reaffirmed its Buy rating, while some analysts see potential upside from the company's revenue recovery and breakout.

News

Posts

Bullish vs. Bearish — Last 3 Months

11.1k followers · 0 opinions

▲Bullish50%

50%Bearish▼

D
Dolphin ResearchJun 16 at 03:35 AM
SOFI in Muddy Waters' Crosshairs: Fintech Newcomer or High-Tech Hype?
$SoFi Tech(SOFI.US) has been public for five years. Early on, it was cast as the next LendingClub, a scaling digital bank, and a high-beta fintech meme stock.
Since its 2021 debut, the shares have crashed multiple times. At the 2022 trough, they fell to about 60% of the IPO price.
Even after clawing back, turbulence has persisted. In Mar, SoFi was targeted by famed short-seller Muddy Waters.
As the short case is not without merit, Dolphin Research will unpack it in the next note. That said, whatever Muddy Waters alleges, in management’s eyes...
+29
SoFiDeep Research

Upstart

Upstart

Upstart (UPST)

Upstart Analyst Rating

Forecast & Rating

Daily Events

News

Posts

Bullish vs. Bearish — Last 3 Months

SOFI in Muddy Waters' Crosshairs: Fintech Newcomer or High-Tech Hype?

Upstart (UPST)

Upstart Analyst Rating

Forecast & Rating

Daily Events

News

Posts

Bullish vs. Bearish — Last 3 Months

SOFI in Muddy Waters' Crosshairs: Fintech Newcomer or High-Tech Hype?