UPST

Upstart Holdings, Inc. (UPST) stock has experienced significant volatility, declining by 53.59% from October 8, 2025, to October 7, 2026. More recently, the stock surged 6.8% on October 5, 2026, but fell 10.11% in the month leading up to October 10, 2026. Analysis from October 2026 attributed a 70% decline since February of the previous year to concerns over the company's 'take rate' (which dropped from 9.5% to 8.2%) and the subjectivity of its AI model. Recent lawsuits and underperforming credit vintages have also been noted as ongoing challenges impacting the calibration and reliability of Upstart's AI-driven underwriting, potentially affecting investor sentiment.