Upstart Holdings, Inc.
Upstart is an AI-powered lending marketplace that connects consumers seeking personal loans, auto loans and home equity lines of credit with banks, credit unions and institutional investors. Consumers access loan offers through Upstart.com and, for auto financing, through dealerships using Upstart Auto Finance, a dealer-facing software application. Upstart’s platform uses proprietary AI models for credit underwriting and other tasks, including income and identity verification, fraud detection and loan servicing. Its services also include loan origination tools and servicing for lending partners and investors. Upstart makes money primarily from platform and referral fees paid by lending partners and institutional investors, as well as loan servicing fees. Loans facilitated through its marketplace may be purchased by institutional investors, retained or purchased by lending partners, or held on Upstart’s balance sheet. Upstart is headquartered in Burlingame, California.
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See all $UPST insider activity →Happen (HAPN) shares rose 12% after Q3 EPS of $0.50 beat estimates and raised 2026 guidance to $1.87-$1.92. Revenue missed expectations at $263.2M, partly due to accounting changes. CEO Scott Sanborn cited strong credit performance. Rivals SoFi (SOFI) and Upstart (UPST) operate in similar markets.
Upstart Holdings (UPST) secured a $200M senior secured revolving credit facility with MUFG Bank to support the launch of Upstart Bank. The facility has a Term SOFR plus 3.00% interest rate and is secured by Upstart's assets, excluding Upstart Bank. It will terminate upon repayment or within 364 days.
Upstart Holdings, Inc. (UPST) filed an SEC Form 8-K — Entry into a Material Definitive Agreement. Item 1.01 Entry into a Material Definitive Agreement. On October 16, 2026, Upstart Network, Inc. (the “Borrower”), a wholly-owned subsidiary of Upstart Holdings, Inc. (the “Company”), entered into a credit agreement (the “Credit Agreement”) pursuant to which MUFG Bank, Ltd., as a
Over the past 7 days, AlphAI's AI scored 1 news story mentioning UPST (Upstart Holdings, Inc.). Coverage has been balanced: 0 bullish, 1 neutral, and 0 bearish.
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The new credit facility provides liquidity for Upstart Bank, potentially supporting growth but adds debt to the balance sheet.
New revolving credit facility adds liquidity but raises leverage, may cause short‑term price pressure.
No fresh catalyst; neutral outlook.
The deal expands Upstart’s credit-union distribution channel, which could support origination volume, but the article provides no deal size or financial terms.
AlphAI scores every news story that mentions UPST with an AI model for sentiment and relevance, and aggregates insider trades from Upstart Holdings, Inc.'s SEC EDGAR Form 4 filings. Figures refresh continuously.
Happen (HAPN) shares rose 12% after Q3 EPS of $0.50 beat estimates and raised 2026 guidance to $1.87-$1.92. Revenue missed expectations at $263.2M, partly due to accounting changes. CEO Scott Sanborn cited strong credit performance. Rivals SoFi (SOFI) and Upstart (UPST) operate in similar markets.
4 min readUpstart Holdings (UPST) secured a $200M senior secured revolving credit facility with MUFG Bank to support the launch of Upstart Bank. The facility has a Term SOFR plus 3.00% interest rate and is secured by Upstart's assets, excluding Upstart Bank. It will terminate upon repayment or within 364 days.
2 min readUpstart Holdings, Inc. (UPST) filed an SEC Form 8-K — Entry into a Material Definitive Agreement. Item 1.01 Entry into a Material Definitive Agreement. On October 16, 2026, Upstart Network, Inc. (the “Borrower”), a wholly-owned subsidiary of Upstart Holdings, Inc. (the “Company”), entered into a credit agreement (the “Credit Agreement”) pursuant to which MUFG Bank, Ltd., as a
1 min readPTC (PTC) reported $600M revenue, down 6.8% YoY, missing estimates. Procore (PCOR) reported $375.2M revenue, up 15.8% YoY, beating estimates. Autodesk (ADSK) reported $2.05B revenue, up 16.1% YoY, beating revenue estimates but missing EPS guidance. PTC's stock is up 45.7%, Procore's up 13.6%, and Autodesk's down 12% since reporting.
2 min readUpstart Holdings (UPST) has partnered with Credit Union of Denver to expand access to affordable personal loans using its AI-driven lending platform. The collaboration aims to streamline the digital application process for the credit union's members. Upstart's partnerships with credit unions are key to its business strategy, and the company's performance will be monitored through loan volume and credit performance data from these partners.
4 min readCitizens reduced Upstart's price target to $18 from $20, citing bank charter concerns. The stock trades at $22.74, down 48% YTD. Q2 2026 revenue beat expectations at $364.7M, but EPS missed. Other analysts have mixed views on UPST, with targets ranging from $34 to $45.
1 min readUpstart (UPST), SoundHound AI (SOUN), and Fastly (FSLY) stocks fell 5.9%, 4.5%, and 4% respectively after a hotter-than-expected inflation report pushed Treasury yields higher. Upstart reported a slight improvement in its credit risk metric and increased loan origination volume in September. The company's stock is down 50.8% year-to-date.
2 min readAnalysts updated price targets for several companies. Keybanc cut Duke Energy's target to $128, Susquehanna reduced Hyatt's to $180, B of A cut Pershing Square's to $38, Baird lowered Carlisle's to $402, Goldman Sachs slashed Upstart's to $28, Truist boosted V.F. Corporation's to $20, Mizuho raised Rexford Industrial's to $41, Morgan Stanley cut Arch Capital's to $100, Needham increased SentinelOne's to $31, and Mizuho raised Humana's to $495.
2 min readUnity (NYSE:U) beat estimates, stock up 32.1%. Upstart (NASDAQ:UPST) reported 41.7% revenue growth but missed guidance, stock down 20.5%. Dolby (NYSE:DLB) revenue fell 3.3%, stock up 13.4%. Doximity (NYSE:DOCS) revenue up 7.3%, stock up 47.6%. Market focus shifted from AI to geopolitics.
2 min readUpstart Holdings (UPST) reported Q3 originations of $4.12B, up from last year but down 2.6% from Q2. Shares are down 44.89% YTD. The company reaffirmed $294M adjusted EBITDA for 2026 but faces a $22.8M profit gap. Analysts' target price is ~$40, with a mid-case target of ~$99 by 2030. Insider activity includes both purchases and sales. The company is awaiting full bank approvals.
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