UPST — Upstart Holdings, Inc.
Financial Services · ETF XLF · as of 2026-09-22
Daily · EMA 10 / 20 / 50 · SMA 200 · VolPress: buy/sell split, 20-SMA, white dot = above avg · · E = earnings · RS vs SPY ⓘ · ● RS new high ⓘ
Upstart Holdings, Inc.
NMS
Financial Services · Credit Services
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).
Price & today
$25.97
ATR(14) 1.26 (4.83%)
| Stock today | +1.52% |
| Sector ETF today | -1.97% |
| Residual (stock-specific) | +3.49% |
Sector correlation
| 20-day correlation with XLF | 0.36 |
| 60-day correlation with XLF | 0.38 |
| Status | normal |
Decoupling fires when 60d corr − 20d corr > 0.20: stock used to track its sector but the relationship has weakened recently.
Technicals
| 10 EMA | $25.83 |
| 20 EMA | $26.73 |
| 50 EMA | $28.31 |
| EMA stack | BEARISH |
| RSI(14) | 42.5 |
| 52-week high distance | -70.25% |
| 52-week low distance | +8.34% |
Signals
| Market F&G | 45.1 |
| Bull% | 12.9% |
| OVTLYR status | — |
| Sector rank | — |
| Next earnings | 2026-11-02 (TNS, 41d) |
MarketSmith metrics - our compute
RS Rating
10.4
ADR%
4.1
RMV (tight)
1.0
Ext (ATR>20EMA)
-0.6
Rel Vol
96.0%
U/D 50d
0.67
U/D 25d
0.69
Accum/Dist 25d
5 / 5
EPS YoY
+58.0%
LoD dist
36.0
Off 52w High
61.1%
Above 52w Low
8.4%
1W / 1M
+2.7 / -14.3
Avg $Vol 50d
120.4M
Mkt Cap (B)
2.5
Trend 8/8
no
Leads Group
no
Sector XLF
-3.6% 1W
What do these abbreviations mean?
- RS Rating
- - IBD-style relative strength vs SPY (weighted 3/6/9/12-mo). 70+ = leaders pool, 80+ = strong.
- ADR%
- - average daily range over 20 days. 4%+ = the fast movers the playbook prefers (selection order, not a gate).
- RMV (tight)
- - Relative Measured Volatility, 15 bars, scaled 0-100. <15 = tight coiled base (green), <35 moderate, high = loose/expanding - not a base right now.
- Ext (ATR>20EMA)
- - how many ATRs price sits above its 20-EMA. ≤1 = in value (green), >2 = extended/chasing (red) - prefer a pullback.
- Rel Vol
- - latest volume vs the 50-day average. 100% = normal; 140%+ = breakout confirmation.
- U/D 50d / 25d
- - up-day vs down-day volume over the window. 1.1+ = net accumulation (institutions buying); under 0.9 on the 25d = net selling.
- Accum/Dist 25d
- - heavy-volume up days vs heavy-volume down days in the last 25 sessions (close moved 0.2%+ on above-average volume). The institutional-participation footprint; 5+ distribution days = O'Neil caution line.
- LoD dist
- - close distance above the day low in % of ATR (100 = one full ATR off the low). High = strong close.
- Off/Above 52w
- - trend-template legs: within 25% of the 52-week high, at least 25% above the 52-week low.
- Trend 8/8
- - all 8 Minervini Trend Template criteria pass. Discovery floor, NOT an entry signal - entries come from the VCP pivot.
- Base len (VCP)
- - weeks since the VCP base started on the latest scan. 10wk+ bases carry the edge; short stacked bases test below random.
Fundamentals & valuation - reference, not entry inputs
P/E (TTM)
59.0
Fwd P/E
8.2
PEG
-
Price/Book
3.9
Profit margin
5.0%
ROE
7.5%
Debt/Equity
237.5
Rev growth
+34.4%
Analyst target
$44 (+69%)
Analyst rating
BUY
Institutional %
68.7%
Insider %
12.9%
Float %
83.9%
Valuation and analyst figures are Yahoo company stats (weekly refresh, ~3,000 larger names - blanks are honest gaps); logo, employees, website and IPO date are Massive company reference. Momentum/VCP entries do not use valuation - this card is context so you do not have to leave the page.
Company data - context read, not entry inputs
Industry rank
123 / 146
Industry
Credit Services
Float
80.3M
Float turnover 20d
5.0%
Avg $Vol 20d / 50d
107.9M / 120.4M
Days to cover
6.0
Short % float
33.4%
Institutional %
68.7%
Weinstein stage
4
Float, short interest and institutional % come from Yahoo company stats, refreshed weekly for ~3,000 larger names - a blank means Yahoo does not publish the figure for this stock, not that it is zero. Dollar volume and float turnover are computed from our own price bars; industry rank from our rotation data; stage from the weekly chart.
Quarterly EPS - earnings acceleration
A dash in %Chg is deliberate: the year-ago figure was a loss, so a growth % would be meaningless. A dash in Sales means we have no revenue figure for that quarter - read it as a gap in our data, not as zero revenue.
| Quarter | EPS ($) | %Chg YoY | Sales ($M) | %Chg |
|---|---|---|---|---|
| Nov-24 | -0.06 | - | 162.1 | +20% |
| Feb-25 | 0.26 | - | 219.0 | +56% |
| May-25 | 0.30 | - | 213.4 | +67% |
| Aug-25 | 0.36 | - | 257.3 | +102% |
| Nov-25 | 0.52 | - | 277.1 | +71% |
| Feb-26 | 0.50 | +92% | 296.1 | +35% |
| May-26 | 0.30 | +0% | 308.2 | +44% |
| Aug-26 | 0.57 | +58% | 364.7 | +42% |
† = SEC carries this same fiscal quarter under a second period-end with a materially different figure (hover for it) - a restatement, merger recast or successor-period split; %Chg is blanked when the two are more than 15% apart. It fires only when the two period-ends DISAGREE, so it is a floor, not a guarantee that the rest of the column shares one basis · ‡ = the revenue concept changed from the previous quarter WITH A FIGURE (hover for both) - a blank row in between is skipped, as the eye does - a step at that row is a change of basis, not necessarily of business · EPS = Yahoo
eps_actual (the figure MarketSmith/Deepvue show) - whether a given quarter is GAAP or excludes a one-off follows the filing, so it can sit either side of another vendor's number; AAPL's Oct-24 row, the Sep-2024 fiscal quarter, is $0.97 here - GAAP, including the EU tax charge - where TradingView's year implies $1.64 · Sales ($M) = SEC EDGAR quarterly revenue (fiscal Q4 derived as FY minus 9-mo) · quarter = report month · %Chg blank = prior-year base under $0.05 (not meaningful).Recent news - our DB (Finnhub + OVTLYR)
- Sep 19 + Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits. The Motley Fool
- Sep 18 · Here's How Affirm's AI Upgrade Could Strengthen Credit Underwriting Zacks Investment Research
- Sep 03 − Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound? Zacks Investment Research
- Aug 31 · Is SoFi's Product Flywheel Gaining Enough Traction to Lift SOFI Stock? Zacks Investment Research
- Aug 31 · PGY Shares Surge 93.8% in 6 Months: Should You Buy It Now? Zacks Investment Research
- Aug 28 · Down 30% in 2026, Is Upstart an AI Stock to Buy Right Now? The Motley Fool
- Aug 22 · Is Upstart Stock a Buy After Falling 55% This Year? Here's What to Know as One Insider Disposes of Shares The Motley Fool
- Aug 22 + An Upstart Insider Filing Involves $216,000. Here's How It Connects to a New Bank Charter The Motley Fool