Group 1 - Financial giants have shown a bearish sentiment towards Upstart Holdings, with 84% of traders exhibiting bearish tendencies and only 15% being bullish, indicating a significant lack of confidence in the stock [1] - The options trading data reveals that there were 13 unusual trades, with 8 puts valued at $320,165 and 5 calls valued at $214,170, further emphasizing the bearish outlook [1] - The predicted price range for Upstart Holdings over the last three months is between $35.0 and $50.0, suggesting a focus on this price band by major market movers [2] Group 2 - An analysis of volume and open interest indicates that tracking these metrics is crucial for understanding the liquidity and interest in Upstart Holdings' options, particularly within the $35.0 to $50.0 strike price range [3] - The largest options trades observed for Upstart Holdings reflect the company's position in the market, which provides credit services through a proprietary AI lending platform that connects consumer demand for loans with bank partners [4] - Current market sentiment includes a consensus target price of $59.0 from analysts, with a recent downgrade to Buy by Truist Securities, indicating a potential upside despite the current bearish sentiment [6] Group 3 - Upstart Holdings' stock price is currently at $40.0, down 4.48%, with a trading volume of 2,284,255, suggesting a possible oversold condition as indicated by RSI indicators [7] - The next earnings report for Upstart Holdings is expected to be released in 7 days, which could impact market sentiment and trading activity [7]