Upstart Holdings, Inc.
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Upstart Holdings (UPST) partnered with Credit Union of Denver and expanded with Commonwealth Credit Union for AI-powered personal loans and other lending products. The company's earnings are projected at $408.8 million by 2029, with revenue expected to grow 30.5% annually. Upcoming earnings will be crucial for investors to assess underwriting accuracy and partner funding.
Needham reiterated a Buy rating and $42 price target on Upstart (UPST) after its September loan originations of $1.378B, up 44.2% YoY, exceeding estimates. The firm cited strong growth and asset quality, positioning Upstart to beat Q3 estimates. Shares trade at 13x fiscal 2027 P/E, currently at $24.35, deemed undervalued. Mizuho maintained an Outperform rating with a $45 target, while Loop Capital initiated coverage with a Hold rating.
Upstart Holdings Inc (UPST) shares rose 6.8% to $24.35. GF Value™ suggests 60.3% upside potential, but warns of possible value trap due to lack of profitability. Insiders have net bought $4.1M in shares. P/E ratio is 44.4x, below historical average.
Over the past 7 days, AlphAI's AI scored 7 news stories mentioning UPST (Upstart Holdings, Inc.). Coverage has skewed bullish: 5 bullish, 1 neutral, and 1 bearish.
Recent UPST coverage spans financial news, market movers and earnings.
In the last 30 days, UPST insiders filed 1 SEC Form 4 transaction — 1 purchase ($1.3M) and no sales. The most active reporter was Gu Paul, Chief Executive Officer, with 1 filing.
The partnership could increase loan origination volume and diversify product coverage, supporting revenue growth.
Positive catalyst from strong loan origination growth may boost the stock.
The stock’s recent rally may face downside pressure as valuation concerns outweigh the upside narrative.
Upstart stock likely to rise as the credit‑stress gauge eases, signaling a better loan‑loss outlook.
The strong loan originations suggest higher revenue potential for Upstart.
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.
Upstart Holdings (UPST) partnered with Credit Union of Denver and expanded with Commonwealth Credit Union for AI-powered personal loans and other lending products. The company's earnings are projected at $408.8 million by 2029, with revenue expected to grow 30.5% annually. Upcoming earnings will be crucial for investors to assess underwriting accuracy and partner funding.
2 min readNeedham reiterated a Buy rating and $42 price target on Upstart (UPST) after its September loan originations of $1.378B, up 44.2% YoY, exceeding estimates. The firm cited strong growth and asset quality, positioning Upstart to beat Q3 estimates. Shares trade at 13x fiscal 2027 P/E, currently at $24.35, deemed undervalued. Mizuho maintained an Outperform rating with a $45 target, while Loop Capital initiated coverage with a Hold rating.
1 min readUpstart Holdings Inc (UPST) shares rose 6.8% to $24.35. GF Value™ suggests 60.3% upside potential, but warns of possible value trap due to lack of profitability. Insiders have net bought $4.1M in shares. P/E ratio is 44.4x, below historical average.
1 min readUpstart Holdings (UPST) stock rose 6% to $24.19 after reporting a slight dip in its Upstart Macro Index to 1.49. The company also reported preliminary September origination volume of $1,378.3M. Synchrony Financial (SYF) and OneMain Holdings (OMF) stocks remained flat. The Financial Select Sector SPDR ETF (XLF) and SPDR S&P 500 ETF Trust (SPY) both gained 0.5%.
2 min readUpstart Holdings (UPST) originated $1.38B in loans in September, a 2.7% increase from August, bringing Q3 originations to $4.12B. The company reported this data on Monday, noting an acceleration in loan originations. According to Upstart, September had 25.95 origination days.
1 min readUpstart Holdings reported a UMI of 1.49 on Oct. 5, 2026, down from 1.50 on Sept. 3. The UMI remains 49% above the 1.0 baseline, suggesting higher default risk. The company uses this metric to adjust pricing and approvals.
1 min readThe global AI in lending market is projected to grow from $7.0B in 2023 to $58.1B by 2033, a 23.5% CAGR. AI tools automate loan tasks, reduce fraud, and improve credit decisions. McKinsey estimates generative AI could add $200B-$340B in value for banks. Companies like Pagaya, Upstart, and Zest AI are advancing AI-driven lending solutions. (Sources: market.us, mckinsey.com)
3 min readSoFi Technologies (SOFI) obtained a bank charter in 2022, allowing it to take deposits and fund loans internally, reducing costs. Its deposits grew from $1.2B in Q1 2022 to $45.5B in Q2 2026, with net income rising to $156M. Upstart (UPST) and Affirm (AFRM) have applied for charters, with Upstart expected to gain final approval in early 2027. SoFi's stock is down 36% year-to-date but trades at 34x earnings.
2 min readUpstart (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.
3 min readUpstart 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.
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