Upstart Holdings, Inc. (UPST) , an AI-driven fintech disruptor, has delivered an impressive 35.9% surge over the past three months, far outpacing the Financial Select Sector SPDR Fund (XLF) ETF and the S&P 500, which gained 10.3% and 6.5%, respectively. While this rally reflects growing investor confidence, a question arises: Is now the time to buy, hold or sell? Given Upstart Holdings’ long-term potential and current valuation, holding the stock appears to be the best strategy.3-Month Price Return Performa ...

In the latest market close, Upstart Holdings, Inc. (UPST) reached $66.07, with a -0.68% movement compared to the previous day. This change lagged the S&P 500's 0.47% loss on the day. On the other hand, the Dow registered a loss of 0.31%, and the technology-centric Nasdaq decreased by 0.51%.Heading into today, shares of the company had gained 8.04% over the past month, outpacing the Finance sector's gain of 4.45% and the S&P 500's gain of 1.67% in that time.Investors will be eagerly watching for the performa ...

This article has been reviewed according to Science X's editorial process and policies . Editors have highlighted the following attributes while ensuring the content's credibility: The Icon for the smartphone apps DeepSeek is seen on a smartphone screen in Beijing, Tuesday, Jan. 28, 2025. Credit: AP Photo/Andy Wong The 40-year-old founder of China's DeepSeek, an AI startup that has startled markets with its capacity to compete with industry leaders like OpenAI, kept a low profile as he built up a hedge fun ...

These two stocks had a lot of hype in 2020 and 2021 but crashed, and they have been trying to reclaim their former glory ever since.Some of the newer financial technology stocks (or fintechs) have endured wide-ranging interest rates, making for a wild ride. Upstart Holdings (UPST -2.70%) and SoFi Technologies (SOFI -0.61%) went public between 2020 and 2021 amid zero-percent interest rates intended to buoy the U.S. economy during the coronavirus epidemic.However, these rates ultimately inflated a stock marke ...

The stock market was having a generally strong day on Wednesday, with the S&P 500 (^GSPC 1.62%) and Nasdaq Composite (^IXIC 2.13%) up by 1.7% and 2.3%, respectively, as of 10:30 a.m. ET. However, several financial technology, or fintech, stocks were spiking much higher.Lending technology platform Upstart (UPST 9.10%) was higher by 12%, innovative brokerage app provider Robinhood (HOOD 9.96%) gained nearly 10%, and real estate technology platform Opendoor (OPEN 10.95%) was up by as much as 13% for the day. A ...

Shares of Upstart (UPST -2.50%) stock gained 51% in 2024 according to data provided by S&P Global Market Intelligence. The AI credit evaluation company might have hit rock bottom, and the market expects lower interest rates to help it climb back up.Everyone loves a disruptorUpstart stock earned a lot of fans early in its time on the market. It was reporting staggeringly high growth and soaring profitability. Investors couldn't fathom that the tide might turn under different conditions, but the reason behind ...

The AI-powered lending platform still has a bright future.Upstart (UPST -2.50%) has gone on a wild ride since its IPO on Dec. 18, 2020. The online lending marketplace went public at $20, skyrocketed to its all-time high of $390 on Oct. 15, 2021, but sank to a record low of $12.40 on Dec. 27, 2022.Upstart's stock initially surged as its AI-driven platform approved more loans in a low-interest-rate environment. The buying frenzy in growth and meme stocks amplified those gains by causing many investors to glos ...

Upstart Holdings (UPST -2.50%) has been on a roller coaster since its initial public offering (IPO) in 2020. The lender, powered by artificial intelligence (AI), aims to democratize borrowing for a wide range of consumers.However, its business model has faced challenges, navigating peaks and valleys as investor interest in its loans dipped before experiencing a recent resurgence. With the prospect of falling interest rates in the last year, there has been increased interest in hopes that consumer lenders li ...

Upstart's AI Technology and Market Potential - Upstart has been utilizing AI technology since its founding over a decade ago, giving it a competitive edge in the financial services industry [1] - The company's AI platform analyzes 1,600 variables to assess borrower creditworthiness, enabling individuals with poor traditional FICO scores to qualify for loans at lower rates [3] - Upstart's AI-driven approach allows banks and credit unions to approve more loans without increasing default risk [3] Market Opportunity and Expansion - Upstart operates in personal, auto, and home loan markets, which collectively see trillions of dollars in annual loan origination activity [2] - The company has facilitated approximately $40 billion in loans historically, indicating significant growth potential [2] - Upstart's total addressable market is estimated at $3 trillion in annual loan originations [8] Financial Performance and Challenges - Upstart's Q3 revenue was $162 million, a 29% decline compared to the same period three years prior [7] - The company reported an operating loss of $45 million in the latest quarter [7] - Upstart's financial performance has been cyclical, not resembling that of a hyper-growth tech business [6] Competitive Landscape and Client Concentration - Three financial institutions accounted for 71% of Upstart's revenue in the first three quarters of 2024 [8] - Major US banks (JPMorgan Chase, Bank of America, Wells Fargo, Citigroup) control a significant portion of lending activity with $10 trillion in combined assets [9] - These large banks have resources to invest in their own AI and digital capabilities, potentially challenging Upstart's market position [10] Valuation and Investment Considerations - Upstart's market capitalization stands at $5.4 billion [7] - The company trades at a price-to-sales ratio of 9.4, considered high for its industry [11] - Upstart's business is highly exposed to macroeconomic factors, particularly interest rate fluctuations [5]

Shares of Upstart (UPST -1.71%) dropped 21.9% in December, according to data provided by S&P Global Market Intelligence. And as of this writing, it's down another 7% year to date in 2025. Interestingly enough, the drop seems to be correlated with changes to the federal funds rate on Dec. 18.For those unaware, Upstart's business is sensitive to changes in interest rates. Its platform seeks to increase approvals for borrowers while simultaneously lowering risk to lenders. But its revenue has been cut in half ...