Consumer demand remained robust, with loan applications jumping about 30% quarter over quarter to more than 2 million, the highest in more than three years. According to the company, its AI platform is performing as designed, adapting to evolving macro signals while delivering solid results. Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower. Register for your free account today at data.nasdaq.com. Data Link’s cloud-based technology platform allows you to search, discover and access data and analytics for seamless integration via cloud APIs.
- Consumer demand remained robust, with loan applications jumping about 30% quarter over quarter to more than 2 million, the highest in more than three years.
- Upstart delivered strong Q3 results on November 4, 2025, with 80% Y/Y origination growth and a 71% Y/Y increase in revenues, driven by robust loan demand.
- The market remains cautious about model volatility, notably the rapid tightening of approvals.
- Register for your free account today at data.nasdaq.com.
- The AI lending platform misinterpret…
UPST’s AI Advantage & Quarter Growth
If you want to know more about this company, you may want to consider ordering the latest extract concerning the company you are interested in doing business with. For now, Upstart looks best suited as a hold, a stock worth watching closely rather than rushing to buy or sell amid short-term market turbulence. The company’s strong revenues, profitability and continued expansion into new lending categories suggest that it is far better positioned today.
Upstart’s Buy Case Strengthens Thanks To Accelerating Growth And Bottom-Line Inflection
This data feed is not available at this time. The bid & ask refers to the price that an investor is willing to buy or sell a stock. Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. Upstart’s AI-driven underwriting, expanding data, and rising conversion rates position it for accelerated growth as the Fed eases monetary policy. Upstart’s December-quarter revenue is expected to slow more than Wall Street had been modeling.
Upstart: Improving Fundamentals And A Still Discounted Price
Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
Upstart Holdings call volume above normal and directionally bullish
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SoFi Technologies stands out as a diversified digital bank with strong revenue growth, profitability, and a robust customer ecosystem. Despite market concerns, large bank xcriticalgs confirm … German sportswear giant Puma is set to cut 900 corporate jobs worldwide by the end of 2026, deepening a restructuring effort aimed at reviving growth after a sharp sales dip.
Earnings Trends: UPST
UPST’s AI-driven model conservatism and ongoing macro sensitivity show caution. However, the consensus mark for 2026 EPS has been revised 27 cents downward to $2.65, over the same time frame. Upstart is also carrying a larger-than-normal loan balance as it transitions new products off its books, and any delay in securing partner deals could prolong this transition. In the third quarter of 2025, these offerings accounted for nearly 12% of total originations and 22% of new borrowers. The decline stemmed from UPST’s AI-driven risk models tightening approvals and raising interest rates, responding to elevated macro signals. Upstart achieved decent progress on its plan of rapid growth, profitability and AI leadership.
Beyond automated loans, Upstart launched a machine lxcriticalg model to optimize take rates. Upstart’s automation advantage remains significant, with 91% of loans in the third quarter of 2025 being fully automated, requiring no human intervention. It’s time to upgrade the stock, as recent stock price declines create an attractive entry point for growth-focused investors. Home-equity lending also picked up, with automatic home loan approvals surging to about 20% by October 2025, up from under 1% in June.
Latest Rating
- Upstart achieved decent progress on its plan of rapid growth, profitability and AI leadership.
- How costly would it be if you found out after making a payment for a service or product to a company that it never existed?
- Upstart developed an income and default prediction model to determine creditworthiness of a potential borrower.
- The Auto Lending segment is involved in auto refinance and auto retail loans.
Upstart continues to deliver solid revenue growth and profitability, despi… Dow Jones Industrial Average, S&P 500, Nasdaq, and Morningstar Index (Market Barometer) quotes are real-time. We provide a platform for our authors to report on investments fairly, accurately, and from the investor’s point of view. We’d like to share more about how we work and what drives our day-to-day business. Select to analyze similar companies using key performance metrics; select up to 4 stocks.
Upstart Holdings, Inc. experienced a disappointing quarter, with AI model errors and analyst mistakes contributing to weak results and a significant stock decline. Q3 showed Upstart’s model can scale profitably, but macro and credit headlines can quickly cap loan originations and pressure guidance. Upstart is rated a BUY due to strong execution, AI-driven loan automation, and compelling forward valuation multiples after a significant share price decline.
Over time, this framework will unlock significant improvements in its ability to monetize model wins that benefit borrowers. This operational efficiency supports scalability and enables lenders to approve more loans to borrowers, faster and often at lower interest rates. However, despite this, Upstart posted a stellar third-quarter 2025 performance, with revenues surging 71% year over year to $277 million and loan originations climbing 80% to $2.9 billion. However, a more conservative model pushed the conversion rate down to 20.6% from xcritical reviews 23.9% last quarter, though still above 16.3% a year ago.
Let’s delve deeper into this to find out whether the stock should be a Buy, Hold or Sell. The decline has raised questions about whether this is another temporary stumble or a sign of deeper trouble in the credit landscape. Comparatively, its peers, LendingClub and Enova International, put up a better performance in terms of https://xcritical.online/ share price during this period. With this pivot, Upstart began offering a traditional 3-year loan, and has since expanded to offer a 5-year loan product as well. Data provided by Nasdaq Data Link, a premier source for financial, economic and alternative datasets.
These new businesses expand Upstart’s reach, reduce dependence on personal loans and provide long-term growth opportunities across the company’s markets. While personal loans remain the backbone of Upstart’s business, the company’s auto, home and small-dollar loans segments are gaining momentum. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans. Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness. If you are going to do business with a dutch company, you will want to do your research before signing a contract with this company.
Stock Details
The Zacks Consensus Estimate for 2025 EPS suggests a significant growth from the prior-year quarter, while that for 2026 EPS projects 57.7% growth. The market remains cautious about model volatility, notably the rapid tightening of approvals. Small-dollar relief loans advanced rapidly, too, with qualified borrowers now receiving funds in about 90 seconds.
The drop also reflects concerns about Upstart’s lending models becoming more conservative during parts of the third quarter, temporarily limiting approval rates. In May 2014, Upstart pivoted away from this product and toward the personal loan marketplace. Real-time bid and ask information is powered by Nasdaq Basic, a premier market data solution. The Auto Lending segment is involved in auto refinance and auto retail loans. The Personal Lending segment focuses on unsecured personal loans and small dollar loans.
Upstart: Growth Is Being Underestimated; Maintaining Buy
How costly would it be if you found out after making a payment for a service or product to a company that it never existed? How do you know they are a Dutch company? A KVK extract is like a company certificate of incorporation but with extra information about a Dutch company. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. Upstart’s three-month slide contrasts sharply with its strong third-quarter execution. Premium valuation is also justified, considering its strong xcriticalgs growth prospects and solid fundamentals.
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