Upstart Holdings, Inc. (UPST)

Upstart's stock price has been volatile. It plummeted by 27% due to concerns about potential credit losses from deteriorating loan portfolios. However, it rose by 13.3% following a partnership with Corporate America Family Credit Union. The stock rallied 43.7% due to strong second-quarter results, marking a return to GAAP profitability. As of August 5, 2025, the stock was up over 200% in the last year and 21% in the last month.

Upstart Holdings, Inc. typically experiences lower loan demand in the first quarter of the year due to high loan demand around the holiday season in the fourth quarter, and a general increase in borrowers' available cash flows in the first quarter, often from tax refunds.

Upstart Holdings, Inc. operates a cloud-based AI lending platform, connecting consumers with bank and credit union partners. The company uses AI models to assess borrower creditworthiness, aiming for higher approval rates and competitive pricing. Upstart operates in the Credit Services industry, focusing on Consumer Lending, and offers unsecured personal loans, auto refinancing loans, HELOCs, and small-dollar loans, generating revenue through platform fees.

Upstart Holdings, Inc. primarily serves the United States market and is headquartered in San Mateo, California.

Upstart's brand reputation has been influenced by its return to GAAP profitability and new partnerships with credit unions. Concerns about loan defaults and the performance of its AI models during volatile interest rate environments have negatively impacted investor sentiment. Analyst ratings reflect mixed sentiment, with a consensus "Hold" rating.

Approximately 55% of Upstart Holdings, Inc. is held by institutional investors, with major holders including Vanguard Group Inc. and BlackRock, Inc. Key individual owners include Daniel S. Loeb, holding approximately 31.99% of the company's shares, and Dave Girouard, with about 9.44% ownership.