Upstart Holdings (UPST) Buy, Sell or Hold

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Upstart Holdings (UPST)

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29.74

-2.53 (7.84%)

as of Jun 5, 2026, 8:00:00 pm Market Open.

46 watching

Investor Insights

Jun 6, 2026, 12:00 am

This summary was created by AI, based on 1 opinions in the last 12 months.

Upstart Holdings (UPST) is currently experiencing negative cash flow, although expectations for earnings growth remain optimistic for the year. The company's relatively small size and some level of indebtedness introduce added risks to its profile. Recent performance has shown a mixed bag; while the last quarter reported a surprise in earnings, revenue results fell short of expectations. Notably, short interest stands at a significant 27%, indicating that positive results could catalyze a short squeeze. Historical performance reveals volatility, with sharp declines following news in the past three quarters; however, the preceding three quarters saw substantial gains. Given its sensitivity to economic fluctuations and interest rates, alongside its modest valuation at 23 times earnings, experts express caution, suggesting that the current negative momentum warrants selling.

Consensus

sell

Valuation

fair value

Similar

LCID

WEAK BUY

Assessing credit worthiness on behalf of banks and lenders. Extremely popular, and it took off. Now back down to earth. 12-month price target of $148. He's been in and out, you have to be nimble. Perhaps, you may want to use the options market, because then you know exactly how much you have at risk in the market.

BUY

Careful with this. Fintech is considered toxic now. This has fallen a lot and could be taken out.

COMMENT

The market has turned against this hard. He believes in their technology, but be careful with this. Fintech is considered toxic now. This has fallen a lot and could be taken out by a bigger company.

COMMENT

The market has turned against this hard. He believes in their technology, but be careful with this. Fintech is considered toxic now. This has fallen a lot and could be taken out by a bigger company.

PAST TOP PICK

(A Top Pick Jun 22/21, Up 29%) It went up 211% between June 22 and October 15, but then they missed earnings. That's why it's up only 30%.

COMMENT

They're the AI lending platform. It reports Tuesday. He doesn't understand their business, so he will listen to their conference call.

BUY ON WEAKNESS

Their AI is better at screening borrowers than traditional credit scores. It's had a monster run since December as shares have zoomed. They connect borrowers with lenders and collect a fee. It boasts spectacular numbers. It's set to more than triple sales this year. It keeps raising its forecast. Shares may be overextended, though.

PARTIAL SELL

Still owns, but has written $280 calls on 3/4 of his position. Above his 12-month price target of $268. Analytical tools to assess creditworthiness. Rapidly penetrating the massive auto loan market. Great story.

TOP PICK

Price target of $145. Very cool company. Revolutionary data analytics solutions for the banking system. Proprietary AI tools that they sell to banks to assess credit worthiness. Proven to bring down loan default rates by 175%. No dividend. (Analysts’ price target is $140.00)

BUY

It's hugely shorted at 25%--that's the problem. It's a great AI credit company and he believes in the CEO when others don't.

BUY

An AI landing platform which more than doubled in the last two days. It went public at $20 three months ago. It peaked in mid-February then tumbled with the tech sell-off. On Wednesday, it reported its first quarter, a spectacular report with revenue volume up 57% YOY and revenue up 39%. Also, they offered strong guidance at $500 million revenue for 2021 (the street sees $350 million). It jumped 90% in one day and 9% today.

COMMENT

A new stock. They use data and AI technology to lend money by matching borrowers with lenders. Unlike other red-hot IPOs, this is borderline profitable and growing fast.

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Upstart Holdings (UPST)