Fintech Stock Could be a Sleeping Giant

Core Viewpoint - Upstart Holdings Inc is experiencing stock price movements influenced by external factors such as Donald Trump's election victory and upcoming earnings report, with a notable sensitivity to interest rate changes [1] Group 1: Stock Performance - Upstart's stock increased by 5.5% to $53.34, reflecting broader market reactions [1] - The stock surged 39.4% after the previous earnings report, although prior to that, three post-earnings moves were negative [2] - Year-to-date, Upstart's equity has risen by 29.6% [2] Group 2: Market Expectations - Options markets are anticipating a 28.5% next-day price move following the upcoming earnings report, which is higher than the 24.9% average swing over the past two years [2] - The stock is approaching its 52-week high of $57.40, having consolidated above $48 [2] Group 3: Short Interest and Analyst Ratings - Short interest accounts for 31.6% of Upstart's available float, indicating potential for a short squeeze if the earnings report is positive [3] - Despite a strong year-to-date performance, 16 out of 17 brokerages maintain a "hold" or worse rating, with a consensus 12-month price target of $31.23, representing a 41.7% discount from the current price [3]