$UPST

Upstart (UPST), an AI lending platform, has seen significant volatility since its 2020 IPO, with a 95% crash in 2022. The stock trades at $25, with a $2.5B market cap. CEO Paul Gu notes investor misunderstanding of its growth and profitability, citing a P/S ratio of 2. Upstart reported H1 2026 revenue of $625M, up 35%, and GAAP profit of $0.10 per share. The company targets 35% CAGR from 2025-2028, aiming for $2.6B revenue and $650M adjusted EBITDA by 2028.

Upstart Holdings (UPST) CEO Paul Gu spoke at the Goldman Sachs conference, highlighting a focus on personal loans and the company's bank charter plan. Loop Capital initiated coverage with a Hold rating and $34 price target. Gu bought 50,000 shares at $25.55 each. UPST shares are up 2.07% to $25.62.

FinTech companies are pursuing different types of national bank charters. Revolut, Circle, Block, and Upstart seek approvals for various banking models, including deposit-taking, lending, and digital-asset custody. Chime agreed to acquire Stride Bank for $590M. The OCC received 40 de novo applications in 18 months, with 23 involving digital assets. These charters aim to expand services and bring activities under federal supervision.

Gu Paul (Chief Executive Officer) purchased 50,000 indirectly-held shares of Upstart Holdings, Inc. (UPST) at $25.55 ($1.28M total) on 2026-09-10.

Datta Sanjay (President, Capital& Enterprise) sold 116,000 shares of Upstart Holdings, Inc. (UPST) at $27.29 ($3.17M total) on 2026-09-08.

Loop Capital initiated coverage on Upstart Holdings (UPST) with a Hold rating and a $34.00 price target. GuruFocus values UPST at $60.48, suggesting a 57.2% undervaluation. The company's GF Score is 59/100, indicating moderate performance with strengths in growth but weaknesses in financial strength and profitability. Insider activity shows significant selling, while guru activity is mixed.

Upstart Holdings (UPST) fell 3.89% to $25.93, underperforming major indices. Over the past month, its shares dropped 9.74%, lagging the Finance sector and S&P 500. Analysts project Q2 EPS of $0.6 (up 15.38% YoY) and revenue of $364.63M (up 31.58% YoY). Full-year estimates are $2.2 EPS (up 26.44% YoY) and $1.42B revenue (up 36% YoY). UPST has a Zacks Rank #4 (Sell) and a Forward P/E of 12.24, higher than its industry average.

Upstart (UPST) is focusing on personal loans as consumer stress rises, with its Upstart Macro Index at 1.5, indicating a 50% higher default likelihood than pre-pandemic. The company expects secured products to reach break-even by year-end. CEO Gu highlights technology improvements and a planned national bank launch in 2027, aiming to reduce costs and complexity.

Upstart Holdings (UPST) reported record contribution profit of $193M in Q2, with revenue up 41.75% YoY to $364.71M and net income of $16.5M. CEO Paul Gu highlighted operating progress, but shares remain down 60% over the past year. Analysts are divided, with a mean target of ~$40 and a mid-case scenario targeting ~$113.

Upstart Holdings (UPST) officer Sanjay Datta plans to sell 116,000 shares, valued at $3.17M, via a cashless exercise of stock options. The sale is part of a series of recent transactions by Datta, including 15,000 shares sold in June 2026.