Down 7.4% today, while its fintech and payment peers are up 1.5%; no story names it yet.
Down 14% since Oct 29
Down 14% so far from Oct 29 to Nov 2.
UPST's Quality Score rose 1 point on Mon, Nov 2, to 2.
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| Long-term trend | −3 |
| Latest filing | 8-K, Oct 20 |
TodayNo story names it yet.
After its last 4 reports it closed -8.3% on average, higher 0 of 4 times.
UPST is #8 of 10 by Quality Score among Consumer Finance & Fintech.
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Net income over four quarters: UPST $60.3M, SOFI $636M, ENVA $355M, FIGR $237M.
Reports Tue Nov 3, before the open (tomorrow). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
UPST's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| Total revenue | about $1.4B |
Sales grew 35% a year over 5 years, fiscal 2020 to 2025.
Its share count grew 9.1% a year over 3 years.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Aug 4, 2026 | +14.1% | -0.4% | -1.4% |
| May 5, 2026 | -10.2% | -7.9% | -10.7% |
| Feb 10, 2026 | -3.7% | -15.0% | -19.1% |
Sales grew in four of the last six years, to $1B in 2025. It turned a profit in 2025 after a loss in 2024.
2 insiders bought $7.7M across 4 filings, and 4 insiders sold $5.2M across 18 filings, in the last 6 months. The newest:
6 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: UPST is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
“Consumer lending is a vast and competitive market, and we compete in varying degrees with all other sources of unsecured and secured consumer credit, including banks, non-bank lenders (including retail-based lenders), and other financial technology lending platforms.”
UPST scores 2 today, which Breakaway calls Below Average. It is #8 of 10 in Consumer Finance & Fintech by Quality Score, with 2 of 14 chart checks firing. Down 14% so far from Oct 29 to Nov 2. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
UPST scores 2 today, which Breakaway calls Below Average (0 to 5). That is #8 of 10 in Consumer Finance & Fintech by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind UPST's 2.
2 insiders bought $7.7M across 4 filings, and 4 insiders sold $5.2M across 18 filings, in the last 6 months. The newest is Sanjay Datta, President, Capital& Enterprise, who sold $3.2M on Sep 8. Every filing, with the scored weight, for Pro members.
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