Upstart stock falls 5% near 52-week low ahead of Q3 earnings, while fintech rivals Affirm and SoFi gain.

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 strong recent results and favorable borrowing costs. Upstart's unique AI-driven lending model and funding challenges contribute to investor caution, especially after a history of stock drops following earnings releases. The upcoming report will be closely watched for confirmation of revenue and profit targets, which could influence the stock's direction.

As of Nov 03, 2026 00:11 WIB, Upstart Holdings (UPST) shares on Pluang are priced at USD 21.84, down 5.13% with a market cap of $2.24 billion. Meanwhile, Affirm (AFRM) and SoFi (SOFI) show gains, trading at USD 77.30 and USD 17.38 respectively, with Affirm up 5.18% and SoFi up 3.70%. Notably, SoFi has a typical hold time of 62 days on Pluang, the longest among these fintech peers.