Upstart Holdings (UPST) Buy, Sell or Hold

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Upstart Holdings (UPST)

33.66

+0.69 (2.09%)

as of Jun 26, 2026, 8:00:00 pm Market Open.

46 watching

Investor Insights

Jun 27, 2026, 12:00 am

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

Upstart Holdings (UPST-Q) is currently facing challenges with negative cash flow despite the expectation of good earnings growth this year. The company has a manageable amount of debt but is classified as relatively small, which introduces certain risks. Recent earnings reports have shown mixed results, including a beat on earnings but a miss on revenue. Additionally, the high short interest rate of 27% indicates that any positive news could lead to a short squeeze, but it's worth noting that the stock has experienced volatility, falling sharply in recent months following news announcements while rising dramatically in periods prior. Given these factors, experts highlight that Upstart's performance remains closely tied to economic conditions and interest rates, and there is a consensus that the stock carries significant momentum risks.

Consensus

Sell

Valuation

Fair Value

Similar

LendEdg, LEND

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.

Showing 16 to 27 of 27 entries

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Upstart Holdings (UPST)