Upstart Holdings reported a strong third quarter with revenue increasing 34% year-over-year and fee revenue reaching an all-time high. The company’s upcoming launch of Upstart Bank should not lead investors to value it like a traditional bank, nor should it be valued purely as a software company despite its high contribution profit margin of around 60%. The analyst suggests valuation benchmarks based on asset-light peers that obtained bank charters to establish a reasonable valuation range for Upstart. Following the positive Q3 report, Upstart's stock rose 9%, marking a rare win for investors after several challenging years.
Upstart Holdings (UPST) trades at USD 22.36 on Pluang as of Nov 06, 2026 22:11 WIB, close to its 52-week low of USD 21.31 and far from its 52-week high of USD 50.70. Despite the recent 9% rise noted in the article, the stock's 1-day change on Pluang is a more modest +0.99%. Market sentiment appears cautious with 97% of order activity being sell orders, indicating many investors remain hesitant even after the strong Q3 report.
Upstart Holdings has seen reduced loan originations and lowered its FY2026 guidance due to elevated default risks and higher funding costs. Despite these challenges, its fee-based revenue model and significant third-party funding help mitigate capita...
Upstart reported record contribution profit for Q3 2026, with revenue rising to $370.52 million and contribution profit up 48%. Despite this, the company lowered its full-year 2026 revenue and EBITDA guidance due to worsening borrower health and inte...
Upstart Holdings shares dropped 5% to $21.88, nearing their 52-week low, as investors brace for the company's Q3 2026 earnings report. This decline contrasts with gains in fintech peers Affirm and SoFi, which rose 5% and 4% respectively, supported by...
