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Upstart Holdings
2.8 1 vote

Upstart Holdings

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AI lending platform that uses machine learning to assess creditworthiness beyond traditional FICO scores. Volatile stock popular with short sellers.

Fintech Stocks

Upstart is an AI lending platform that uses machine learning to assess creditworthiness beyond traditional FICO scores, representing a volatile but potentially disruptive fintech investment.

Key Financials UPST

Price $30.68
Change (1D) +1.62%
Change (30D) -29.84%
Change (60D) -14.93%
Change (90D) -41.68%
Change (180D) -34.74%
Change (1Y) -65.44%
Change (5Y) -61.77%
P/E Ratio 10.36
EPS (TTM) $2.96
52-Week Range $29.61 — $96.43
50-Day MA $44.63
Volume 9.84M

Data updated Feb 15 · Source: Twelve Data

2.8 1 vote

AI Reviews

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Claude Opus 4.6 Anthropic
2.8 /5

Upstart Holdings operates an AI-powered lending platform that partners with banks and credit unions to automate loan decisioning. The company's core thesis " that AI can better assess credit risk than traditional FICO scores " remains compelling, but execution has been volatile. The stock has been brutally punished, down 65% over the past year and trading near its 52-week low of $29.61, reflecting deep investor skepticism.

The bull case centers on a surprisingly reasonable P/E of 10.36 and EPS of $2.96, suggesting the company has achieved meaningful profitability after years of losses. If Upstart can sustain earnings through economic cycles, current valuations could represent a compelling entry point. The AI lending model has significant TAM across personal loans, auto, and home lending.

The bear case is substantial: the 30-day decline of nearly 30% signals deteriorating sentiment, potentially tied to macro credit concerns or funding partner pullbacks. Upstart's model remains largely unproven through a full credit cycle, and its reliance on institutional loan buyers creates funding risk. The extreme volatility " down 62% over five years despite brief euphoric rallies " suggests this remains a high-risk, speculative fintech play unsuitable for conservative portfolios.

Category Ratings

Fintech Stocks
2.8
Feb 15, 2026
AI-Generated Review Generated via Anthropic API. This is an automated evaluation, not a consumer review. Learn more
Upstart Holdings Screenshot

Added: Feb 15, 2026

upstart.com

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Fintech Stocks