# 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) trading volume is up 162.59% from the previous week.
- Upstart Holdings, Inc. (UPST) social dominance is up 95.07% from the previous week.
- Upstart Holdings, Inc. (UPST) Galaxy Score™ is up 77.78% from the previous month.
- Upstart Holdings, Inc. (UPST) creators is up 93.36% from the previous week.
- Upstart Holdings, Inc. (UPST) engagements is up 310.49% from the previous week.
- Upstart Holdings, Inc. (UPST) mentions is up 109.3% from the previous week.
- Upstart Holdings, Inc. (UPST) posts created is up 225.83% from the previous week.

### 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: -19.75%
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 #341 based on combined combined social and market metrics
Daily Average: [---]  
[--] Week: [---] +258  
[--] Month: [---] +230  
[--] Months: [---] +304  
[--] Year: [---] +279  
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: [--] +25  
[--] Month: [--] +28  
[--] Months: [--] +10  
[--] Year: [--] +5  
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: [---------] +310%  
[--] Month: [---------] +78%  
[--] Months: [----------] -19%  
[--] Year: [----------] -15%  
1-Year High: [---------] on 2025-11-04  
1-Year Low: [------] on 2025-12-25  

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

  
  
### 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: [-----] +109%  
[--] Month: [-----] +17%  
[--] Months: [------] -9.90%  
[--] Year: [------] -9.30%  
1-Year High: [-----] on 2025-06-27  
1-Year Low: [---] on 2025-12-07  

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

  
  
### 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 24% from [---] in the previous [--] hours
Daily Average: [---]  
[--] Week: [---] +93%  
[--] Month: [-----] -0.79%  
[--] Months: [-----] -12%  
[--] Year: [------] +23%  
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 |
| -------                                            | ---- | --------- | ----- | ----------- |
| [@goddreng10](/creator/twitter/goddreng10)         | [--]    | [---]       | [--]    | [-----]       |
| [@Gubloinvestor](/creator/twitter/Gubloinvestor)   | [--]    | [------]    | [--]     | [-----]       |
| [@zhangtaoSG](/creator/twitter/zhangtaoSG)         | [--]    | [-----]     | [--]     | [-----]       |
| [@TerpsTrader1](/creator/twitter/TerpsTrader1)     | [--]    | [-----]     | [--]     | [-----]       |
| [@HenryInvests](/creator/twitter/HenryInvests)     | [--]    | [-----]     | [--]    | [-----]       |
| [@kshriramsharma](/creator/twitter/kshriramsharma) | [--]    | [---]       | [--]     | [-----]       |
| [@vasilist](/creator/twitter/vasilist)             | [--]    | [-----]     | [--]     | [-----]       |
| [@AmeliaVilla](/creator/twitter/AmeliaVilla)       | [--]    | [--]         | [--]    | [---]         |
| [@eWhispers](/creator/twitter/eWhispers)           | [--]    | [-------]   | [--]     | [---]         |
| [@bradsferguson](/creator/twitter/bradsferguson)   | [--]   | [------]    | [--]     | [---]         |

[View More](/list/creators/$upst/100)
  
  
### Sentiment: 72%
![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: 72%  
Daily Average: 76%  
[--] Week: 71% +1%  
[--] Month: 68% -5%  
[--] Months: 68% -15%  
[--] Year: 68% -22%  
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: 0.048%
![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: 0.048%  
Daily Average: 0.067%  
[--] Week: 0.091% +0.044%  
[--] Month: 0.081% +0.039%  
[--] Months: 0.081% -0.044%  
[--] Year: 0.081% -0.349%  
1-Year High: 0.311% on 2025-02-16  
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: 0.256% on 2025-02-18  
1-Year Low: 0.00343% on 2026-02-14  
  
  
### 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: $5,191,748,097  
[--] Week: $3,030,093,428 -19%  
[--] Month: $3,008,519,948 -36%  
[--] Months: $3,008,519,948 -49%  
[--] Year: $3,008,519,948 -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. Social Posts
Top posts by engagements in the last [--] hours

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

"Basket [--]. Not close. $NVDA: Altman Z [----] 62% 5-year sales CAGR. Balance sheet fortress AI monopoly. $GOOGL: Beta [----] -22% max drawdown. The defensive anchor. $UPST: The weak link (Altman Z 1.0) but the other two can carry it. Two of the best 5-year compounders on the market in one basket. The math works even if UPST goes to zero. https://twitter.com/i/web/status/2023049238108655736 https://twitter.com/i/web/status/2023049238108655736"  
[X Link](https://x.com/VulcanMK5/status/2023049238108655736) [@VulcanMK5](/creator/x/VulcanMK5) 2026-02-15T14:58Z [----] followers, [---] engagements


"@goddreng10 @grok - who has higher default rates between $UPST and $SOFI"  
[X Link](https://x.com/B82143748/status/2023046849368629675) [@B82143748](/creator/x/B82143748) 2026-02-15T14:48Z [---] followers, [---] engagements


"If you had to pick one to hold for the next [--] years which would it be [--] [--] [--] [--] [--] [--] or [--] [--]. $NVDA $GOOGL $UPST [--]. $AMZN $TSLA $ONDS [--]. $META $OKLO $NBIS [--]. $ASTS $PLTR $RKLB [--]. $AMD $ZETA $IREN [--]. $HIMS $SOFI $RDDT [--]. $ARM $HOOD $SNDK"  
[X Link](https://x.com/FIREDUpWealth/status/2023043460702625913) [@FIREDUpWealth](/creator/x/FIREDUpWealth) 2026-02-15T14:35Z 51.1K followers, [----] engagements


"@Gubloinvestor will be very pleased with this new position. [----] is the year $UPST will completely change their perception in the market. Fundamentals are rock solid. More rate cuts to come and huge tailwind for the best loan originator in the US with the best AI model. Few weeks ago i quit my $UPST position since my wife has many shares and i wanted less exposure to it 💥 i insisted position with [----] shares this week again. I am very impressed with their latest earnings report. 🟢 They set a target for a 35% compound annual growth rate https://t.co/5wgG17hStd Few weeks ago i quit my $UPST"  
[X Link](https://x.com/goddreng10/status/2023038009088893055) [@goddreng10](/creator/x/goddreng10) 2026-02-15T14:13Z [---] followers, [---] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing