# Upstart Holdings, Inc. (UPST)

Upstart CEO discusses Q4 earnings and plans to step down amidst mixed analyst sentiment following an EPS miss, despite a revenue beat. The company's AI-driven lending model and future prospects are under scrutiny.

### About Upstart Holdings, Inc.
Upstart Holdings, Inc. is a financial technology company specializing in AI-powered lending.  
Upstart Holdings, Inc. uses the ticker $UPST for trading. Listed in the [Stocks](/list/stocks) category within the [Financial Services](/list/stocks/financial-services) sectors.

### Insights
- Upstart Holdings, Inc. (UPST) social dominance hit [------] which is 123% higher than it's daily average.
- Upstart Holdings, Inc. (UPST) market dominance near a 52-week low at [-------].
- Upstart Holdings, Inc. (UPST) trading volume is up 162.59% from the previous week.
- Upstart Holdings, Inc. (UPST) social dominance is up 497.74% from the previous week.
- Upstart Holdings, Inc. (UPST) creators is up 103.74% from the previous week.
- Upstart Holdings, Inc. (UPST) engagements is up 491.55% from the previous week.
- Upstart Holdings, Inc. (UPST) mentions is up 99.8% from the previous week.
- Upstart Holdings, Inc. (UPST) posts created is up 230.43% from the previous week.
- Upstart Holdings, Inc. entered the top [--] AltRank™ for the first time in [--] days

### Price: $30.70
![Price Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:close/iv:1d.svg)  
[Price 24-Hour Time-Series Raw Data](/topic/$upst/time-series/close.tsv)  
The stock price is experiencing downward pressure due to an EPS miss and CEO transition, leading to mixed analyst sentiment and concerns about 'quality of earnings' over growth, despite a revenue beat.  

24-Hour: 2.35%
7-Day: -20.06%
30-Day: -36.24%

1-Year High: $86.90 on 2025-02-18  
1-Year Low: $30.20 on 2026-02-12  
  
  
### AltRank: [---]
![AltRank Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:alt_rank/iv:1d.svg)  
[AltRank 24-Hour Time-Series Raw Data](/topic/$upst/time-series/alt_rank.tsv)  
Upstart Holdings, Inc. (UPST) is currently AltRank #387 based on combined combined social and market metrics
Daily Average: [---]  
[--] Week: [---] +236  
[--] Month: [---] +244  
[--] Months: [---] +292  
[--] Year: [---] +62  
1-Year High: [-----] on 2025-07-13  
1-Year Low: [--] on 2025-04-05  
  
  
### Galaxy Score: [-----]
![Galaxy Score Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:galaxy_score/iv:1d.svg)  
[Galaxy Score 24-Hour Time-Series Raw Data](/topic/$upst/time-series/galaxy_score.tsv)  
Current Value: [-----]  
Daily Average: [--]  
[--] Week: [--] [---]  
[--] Month: [--] [---]  
[--] Months: [--] [---]  
[--] Year: [--] [---]  
1-Year High: [--] on 2025-05-02  
1-Year Low: [--] on 2025-03-18  
  
  
### Engagements: [------] (24h)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:interactions/iv:1d.svg)  
[Engagements 24-Hour Time-Series Raw Data](/topic/$upst/time-series/interactions.tsv)  
Current Value: [------]  
Daily Average: [-------]  
[--] Week: [---------] +492%  
[--] Month: [---------] +77%  
[--] Months: [----------] -20%  
[--] Year: [----------] -15%  
1-Year High: [---------] on 2025-11-04  
1-Year Low: [------] on 2025-12-25  

Engagements by network (24h):
Instagram: [--]
Reddit: [--]
News: [---]
X: [------]
TikTok: [--]
YouTube: [---]

  
  
### Mentions: [-----] (24h)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:posts_active/iv:1d.svg)  
[Mentions 24-Hour Time-Series Raw Data](/topic/$upst/time-series/posts_active.tsv)  
Current Value: [-----]  
Daily Average: [---]  
[--] Week: [-----] +100%  
[--] Month: [-----] +22%  
[--] Months: [------] -10%  
[--] Year: [------] -6.50%  
1-Year High: [-----] on 2025-02-15  
1-Year Low: [---] on 2025-12-07  

Mentions by network (24h):
Instagram: [--]
Reddit: [--]
News: [--]
X: [---]
TikTok: [--]
YouTube: [--]

  
  
### Creators: [---] (24h)
![Creators Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:contributors_active/iv:1d.svg)  
[Creators 24-Hour Time-Series Raw Data](/topic/$upst/time-series/contributors_active.tsv)  
[---] unique social accounts have posts mentioning Upstart Holdings, Inc. (UPST) in the last [--] hours which is down 14% from [---] in the previous [--] hours
Daily Average: [---]  
[--] Week: [---] +104%  
[--] Month: [-----] +3.70%  
[--] Months: [-----] -11%  
[--] Year: [------] +25%  
1-Year High: [-----] on 2025-06-27  
1-Year Low: [--] on 2025-04-19  

The most influential creators that mention Upstart Holdings, Inc. in the last [--] hours

| Creator                                          | Rank | Followers | Posts | Engagements |
| -------                                          | ---- | --------- | ----- | ----------- |
| [@eWhispers](/creator/twitter/eWhispers)         | [--]    | [-------]   | [--]     | [------]      |
| [@HenryInvests](/creator/twitter/HenryInvests)   | [--]    | [-----]     | [--]    | [-----]       |
| [@goddreng10](/creator/twitter/goddreng10)       | [--]    | [---]       | [--]    | [-----]       |
| [@AIStockSavvy](/creator/twitter/AIStockSavvy)   | [--]    | [------]    | [--]     | [-----]       |
| [@ttvresearch](/creator/twitter/ttvresearch)     | [--]    | [------]    | [--]     | [-----]       |
| [@macro_guru](/creator/twitter/macro_guru)       | [--]    | [---]       | [--]    | [-----]       |
| [@Gubloinvestor](/creator/twitter/Gubloinvestor) | [--]    | [------]    | [--]    | [-----]       |
| [@kylewhitegoat](/creator/twitter/kylewhitegoat) | [--]    | [------]    | [--]     | [-----]       |
| [@bradsferguson](/creator/twitter/bradsferguson) | [--]    | [------]    | [--]     | [-----]       |
| [@ATP_Analytics](/creator/twitter/ATP_Analytics) | [--]   | [-----]     | [--]     | [-----]       |

[View More](/list/creators/$upst/100)
  
  
### Sentiment: 75%
![Sentiment Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:sentiment/iv:1d.svg)  
[Sentiment 24-Hour Time-Series Raw Data](/topic/$upst/time-series/sentiment.tsv)  
Current Value: 75%  
Daily Average: 76%  
[--] Week: 70% -5%  
[--] Month: 71% -10%  
[--] Months: 71% -17%  
[--] Year: 71% -15%  
1-Year High: 97% on 2025-06-28  
1-Year Low: 21% on 2025-03-11  

Most Supportive Themes:
- AI Advancements and Partnerships: (40%) Upstart's innovative use of artificial intelligence in its lending processes and its strategic collaborations are viewed favorably by the market.
- Financial Stability and Growth: (30%) The company's partnerships and secured financial backing are seen as key drivers for its sustained growth and operational stability.
- Long-Term Potential and Leadership Vision: (20%) There is optimism surrounding Upstart's future growth prospects, underpinned by confidence in its strategic direction and leadership.
  
Most Critical Themes:
- Interest Rate Hike Concerns: (10%) Potential increases in interest rates present a significant risk to Upstart's core lending business model.
  
  
  
### Social Dominance: 0.065%
![Social Dominance Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:social_dominance/iv:1d.svg)  
[Social Dominance 24-Hour Time-Series Raw Data](/topic/$upst/time-series/social_dominance.tsv)  
Current Value: 0.065%  
Daily Average: 0.068%  
[--] Week: 0.291% +0.242%  
[--] Month: 0.152% +0.109%  
[--] Months: 0.152% +0.065%  
[--] Year: 0.152% -0.285%  
1-Year High: 0.43% on 2025-02-15  
1-Year Low: 0.023% on 2025-10-29  
  
  
### Market Dominance: 0.00343%
![Market Dominance Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:market_dominance/iv:1d.svg)  
[Market Dominance 24-Hour Time-Series Raw Data](/topic/$upst/time-series/market_dominance.tsv)  
Current Value: 0.00343%  
Daily Average: 0%  
1-Year High: 0.173% on 2025-03-20  
1-Year Low: 0.00341% on 2026-02-13  
  
  
### Market Cap: $3,026,170,977
![Market Cap Line Chart](https://lunarcrush.com/gi/w:600/t:$upst/c:line/m:market_cap/iv:1d.svg)  
[Market Cap 24-Hour Time-Series Raw Data](/topic/$upst/time-series/market_cap.tsv)  
Current Value: $3,026,170,977  
Daily Average: $5,198,810,599  
[--] Week: $3,030,093,428 -19%  
[--] Month: $3,026,170,977 -35%  
[--] Months: $3,026,170,977 -52%  
[--] Year: $3,026,170,977 -61%  
1-Year High: $8,142,548,442 on 2025-02-18  
1-Year Low: $2,960,469,922 on 2026-02-12  

### Top Upstart Holdings, Inc. News
Top news links shared on social in the last [--] hours  

*Showing a maximum of [--] news posts without a LunarCrush subscription.*  

"Upstart CEO discusses Q4 earnings margins plans to step down After the company reported fourth quarter results that topped revenue estimates Upstart Holdings (UPST) co-founder and CEO Dave Girouard joins Josh Lipton on Market Domination to discuss the earnings results and guidance its margins and the company"  
[News Link](https://finance.yahoo.com/video/upstart-ceo-discusses-q4-earnings-000322211.html) [@YahooFinance](/creator/x/YahooFinance) 2026-02-12T17:37Z 2M followers, [----] engagements



### Top Upstart Holdings, Inc. Social Posts
Top posts by engagements in the last [--] hours

*Showing a maximum of [--] top social posts without a LunarCrush subscription.*

"$pgy $upst @davey_juice @Gubloinvestor Loan companies typically have low PE multiples due to high credit risks (e.g. defaults) economic cyclicality sensitivity to interest rates regulatory constraints and slower growth compared to high-tech sectors. Earnings volatility makes them seem riskier leading to @davey_juice @Gubloinvestor Loan companies typically have low PE multiples due to high credit risks (e.g. defaults) economic cyclicality sensitivity to interest rates regulatory constraints and slower growth compared to high-tech sectors. Earnings volatility makes them seem riskier leading to"  
[X Link](https://x.com/davey_juice/status/2022623833090576583) [@davey_juice](/creator/x/davey_juice) 2026-02-14T10:47Z [----] followers, [---] engagements


"My biggest position going into the year $UPST. I'm so bullish on this name. Their business has fundamentally changed in the past [--] years and yet we are still so early. Look into their earnings people still don't realize they are profitable. They are going all in on adressing HOME and AUTO loans which has HUGE TAM's. They basically have the best AI model in the market beating $SOFI $PGY etc. They only bring yearly guidance now but provides monthly origination volume metrics now. VERY transparent. @parthpat87 https://twitter.com/i/web/status/2022605033640972405"  
[X Link](https://x.com/goddreng10/status/2022605033640972405) [@goddreng10](/creator/x/goddreng10) 2026-02-14T09:33Z [---] followers, [----] engagements


"$UPST has [--] Million outstanding shares with [--] Million shares short that translates to 26% short interest. lol institutions and insiders together hold 85% outstanding shares who will sell to get shares to these short Short squeeze sooooon"  
[X Link](https://x.com/kshriramsharma/status/2022584043523781015) [@kshriramsharma](/creator/x/kshriramsharma) 2026-02-14T08:09Z [---] followers, [---] engagements


"$UPST $20ish incoming. Channel broken. Be ready"  
[X Link](https://x.com/Market1Surgeon/status/2022564514546237853) [@Market1Surgeon](/creator/x/Market1Surgeon) 2026-02-14T06:52Z [----] followers, [---] engagements

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