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Stock Analysis

Upstart Holdings, Inc. (UPST)

UPST
UPST · Financials • Credit Services
28.76 +2.09%
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52W Range Position
10%
LOWMIDHIGH
Trend
Vulnerable
Momentum
Neutral
Updated: 2026-09-03 19:40 UTC
WOI Investment Thesis
Vulnerable
Current market structure would strengthen above 29.41. Holding above 25.90 preserves the current price structure.
⚖️
✓
Fundamentals
Strong / Positive / Pressured / Stretched
✓
Price Structure
Vulnerable
•
Momentum
Neutral
×
Current Resistance
Below Resistance
Risk Level
Moderate
Analysis Scope
1Y Daily
Key Decision Levels
✓
Hold Above
Structure remains valid above support.
25.90
↗
Break Above
No setup-specific trigger is available; nearest structural resistance is shown.
29.41
🎯
Next Objective
No defined objective is currently available for the primary technical setup.
Not available
×
Thesis Break
No setup-specific invalidation level is currently defined.
Not available
Recent Company Events
SEC VERIFIED
Latest material filings
AUG
4
●
Financial Results
HIGH
UPST reports financial results
On August 4, 2026, Upstar t Holdings, Inc.
8-K Filing • SEC EDGAR
MAY
19
●
Management / Board
MEDIUM
Upstart Appoints Former Santander US CEO Tim Wennes to Its Board of Directors
SAN MATEO, Calif.—May 19, 2026—Upstart (NASDAQ: UPST), the leading AI lending marketplace, today announced that Tim Wennes has been appointed to the company’s Board of Directors, effective May 28, 2026.
8-K Filing • SEC EDGAR
MAY
5
●
Financial Results
HIGH
Upstart Announces First Quarter 2026 Results
“In Q1, we grew originations 61% and revenue 44% year-over-year - putting us comfortably on track to deliver on our full year outlook.
8-K Filing • SEC EDGAR
What's Driving UPST?
• No active technical setup
Momentum is Neutral. No qualified technical setup is currently active.
◆ Business quality is mixed
Revenue growth is strong. Profitability is positive. Cash generation is pressured. Balance-sheet quality is stretched.
⚠️ Key risk remains
losing 25.90 would weaken the current structure.
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Technical Signal
No Active Technical Setup
•
No qualified technical setup is currently active.
RSI(14)
46.4
◎
How to read this setup
The next meaningful technical decision is likely to occur between support at 25.90 and resistance at 29.41. A move through resistance would be needed to materially improve the chart, while a break of support would keep the pressure side dominant.
Price Chart
UPST — 1D Chart
Open Full Workspace
Valuation Snapshot (TTM)
Lender · Ratios use trailing twelve months
Updated 2026-09-02
Lender
Lender valuation
Lender valuation emphasizes earnings and book value; ordinary corporate EV and free-cash-flow ratios are excluded.
Market Cap
$2.7B
Company size
P/E
52.7
Premium
P/B
3.3
Balanced
P/S
2.1
Low sales multiple
Not financial advice
Business Lens
Improving business, cash flow needs monitoring
Revenue and profitability remain supportive, while cash flow and balance sheet quality require monitoring.
↗
Revenue Growth
Strong
●
Profitability
Positive
≈
Cash Flow
Pressured
⚖
Balance Sheet
Stretched
💵 Revenue
364.71M
↗ Strong
📈 Net Income
16.54M
↗ Positive
🧮 EPS (Basic)
0.17
↗ Positive
Upstart Holdings, Inc.
Financials • Credit Services
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