NASDAQ:UPST

22.22
0.17 (0.76%) 1d
0
Investor Insights

This summary was created by AI, based on 6 opinions in the last 12 months.

The reviews from different experts about Upstart Holdings (UPST-Q) suggest a mixed sentiment. Some experts are critical of the company's recent performance and management's portrayal of it, while others point out the potential for a rebound. The stock experienced a significant decline but may still have growth potential based on its recent deal and fundamental guidance. There are mixed opinions on whether it is a short squeeze or a Covid stock, but the consensus seems to be uncertain about its future prospects.

Consensus
Mixed
Valuation
Undervalued
DON'T BUY
Upstart Holdings

Just reported a bad quarter, but management tried to paint a rosy picture during the conference call. Revenues missed, adjusted RPS loss was more than expected, and transaction volume is -34% YOY. What are these guys smoking?

Technology
DON'T BUY
Upstart Holdings

A Covid stock, part of the buy-now, pay-later group that had its day. In late 2021, it peaked around $400, plunged to the low teens two years later, then rebounded somewhat, but is still way past its highs. These stocks got killed as soon as the Fed announced it would raise interest rates, leaving behind the days of very low rates.

Technology
SELL
Upstart Holdings

It's a huge short squeeze like Gamestop was, but the shorts can go only so far like what happened with Gamestop and AMC. So take profits now.

Technology
COMMENT
Upstart Holdings

A key investing lesson is not to buy a damaged company (though buy a damaged stock). UPST sank from $400 at peak to around $11. The trick is to buy or sell in tranches to minimize losses.

Technology
BUY ON WEAKNESS
Upstart Holdings
Trevor Rose’s Insights - Trevor’s most-liked answers from 5i Research.

UPST had its big decline because it had to take loans onto its balance sheet. The recent deal goes a long way in resolving this concern. It does use data to price loans, but we are not sure if it is the 'AI play' that some think. The rally we think is likely largely short covering. However, when a stock goes from 'almost bankrupt' to growing again it can still have a big move, and longer than one might think. Its guidance was solid, so fundamental buyers may come back here and continue to support it. 
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Technology
DON'T BUY
Upstart Holdings

It's a short squeeze, and not doing well.

Technology
DON'T BUY
Upstart Holdings

It's in a short squeeze and not doing well. Their numbers were cut again yesterday. There are a number of bad loans.

Technology
BUY
Upstart Holdings
They work with banks and credit unions to determine whether a borrower is worth of a loan. They operate a cloud-based aggregator (their platform using AI). He sold shares in late 2021. $12.15 is the price target, but he thinks $19 will happen and then we'll see analyst upgrades.
Technology
SELL
Upstart Holdings
A painful one. He doesn't like their business model, their last quarter or their pre-announcement.
Technology
DON'T BUY
Upstart Holdings
Buy now, pay later stocks: Affirm, Upstart, Block and Paypal Upstart is down 92% from its high, Affirm 89%, Block 78% and PayPal 76%. Some of this is due to these stocks being massively massively overpriced to begin with. At peak, Affirm was trading at 30x sales (not earnings), and it won't be profitable before 2026. Block and PayPal are profitable, but were trading at sky-high multiples last year (170x PE and 65x respectively). The market hates the buy-now, pay-later stocks because they don't make money (though are well-run). He liked Upstart early on; it wasn't a buy-not,pay-later story, but helped facilitate loans using technology. But Upstart took on far more credit risk than assumed, which upset him. The business models of these stocks were far better when interest rates were low. Also, more competitors have rushed in now. The lesson: don't be caught up in euphoria. Earnings, valuations and interest rates matter.
Technology
PAST TOP PICK
Upstart Holdings
(A Top Pick Aug 04/21, Down 70%) He got out as the macro picture changed. Lowered guidance because of lower borrowing demand. (Analysts’ price target is $51.00)
Technology
SELL
Upstart Holdings
He was hoping it would be a loan platform, not a loaner, and hoped they had gotten loans off their books to have an asset-lite model. A pandemic play.
Technology
SELL
Upstart Holdings
They just cut their forecast, and shares are plunging 43% after hours. Valuations matter. This didn't make sense then or now. Share are down 90%.
Technology
WEAK BUY
Upstart Holdings
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.
Technology
BUY
Upstart Holdings
Careful with this. Fintech is considered toxic now. This has fallen a lot and could be taken out.
Technology
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Upstart Holdings(UPST-Q) Rating

Ranking : 3 out of 5

Bullish - Buy Signals / Votes : 1

Neutral - Hold Signals / Votes : 0

Bearish - Sell Signals / Votes : 3

Total Signals / Votes : 4

Stockchase rating for Upstart Holdings is calculated according to the stock experts' signals. A high score means experts mostly recommend to buy the stock while a low score means experts mostly recommend to sell the stock.

Upstart Holdings(UPST-Q) Frequently Asked Questions

What is Upstart Holdings stock symbol?

Upstart Holdings is a American stock, trading under the symbol UPST-Q on the NASDAQ (UPST). It is usually referred to as NASDAQ:UPST or UPST-Q

Is Upstart Holdings a buy or a sell?

In the last year, 4 stock analysts published opinions about UPST-Q. 1 analyst recommended to BUY the stock. 3 analysts recommended to SELL the stock. The latest stock analyst recommendation is . Read the latest stock experts' ratings for Upstart Holdings.

Is Upstart Holdings a good investment or a top pick?

Upstart Holdings was recommended as a Top Pick by on . Read the latest stock experts ratings for Upstart Holdings.

Why is Upstart Holdings stock dropping?

Earnings reports or recent company news can cause the stock price to drop. Read stock experts’ recommendations for help on deciding if you should buy, sell or hold the stock.

Is Upstart Holdings worth watching?

4 stock analysts on Stockchase covered Upstart Holdings In the last year. It is a trending stock that is worth watching.

What is Upstart Holdings stock price?

On 2024-06-18, Upstart Holdings (UPST-Q) stock closed at a price of $22.22.