Upstart Holdings, Inc. (UPST) Stock Price & Analysis
Market: NASDAQ • Sector: Financial Services • Industry: Financial - Credit Services
Upstart Holdings, Inc. (UPST) Profile & Business Summary
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners. The company was founded in 2012 and is headquartered in San Mateo, California.
Key Information
| Ticker | UPST |
|---|---|
| Leadership | David J. Girouard |
| Exchange | NASDAQ |
| Official Site | https://www.upstart.com |
Market Trend Overview for UPST
One model, two time views: what the market looks like right now, and where the larger trend is heading over time.
This model looks at how prices behave over time to describe the current market environment. It focuses on whether price is moving steadily, stalling, or losing momentum, and checks both short-term and weekly trends for confirmation. The goal is not to predict exact prices, but to help understand when conditions are supportive, risky, or unclear.
Current Market Context (Short-Term)
As of 2026-02-06 (ET), UPST is moving lower. Price at 38.24 is close to support near 36.06. Moves may slow down, and resistance is near 45.65. View Support & Resistance from Options
Why the market looks this way?
Over the past several sessions, prices have mostly moved lower. The broader weekly trend is also pointing down. This suggests sellers remain in control, and buying carries higher risk right now.
Longer-Term Market Trend (Mid to Long Term)
Shows the bigger market trend, how strong it is, and where risks may start to build over the next few weeks or months. — Updated as of 2026-02-06 (ET)
As of 2026-02-06, UPST is showing signs of slowing down. Over the longer term, the trend remains bearish.
UPST last closed at 38.24. The price is about 0.3 ATR below its recent average price (39.14), and the market is currently in a trend that may be losing strength.
Short-term and long-term trends are aligned to the downside, keeping downside risk dominant.
Trend score: 45 out of 100. Overall alignment is unclear. The market is currently in a late-stage trend that may be losing strength. The longer-term trend is still negative, but short-term signals are not yet confirming it.
There is no clear risk level acting as a key boundary right now.
On 2026-01-20, trend conditions deteriorated, suggesting that moves in the prior direction became less dependable.
[2026-01-28] Price moved quickly and looked strong, but participation was limited.
Recent bars show mixed price behavior without a clear shift in structural quality or efficiency.
Some late-day positioning was observed, but it lacked strong overnight commitment.
Short Interest & Covering Risk for UPST
This analysis looks at overall short interest positioning, focusing on the broader setup rather than short-term noise.
Shows how likely a short squeeze may be under current market conditions.
Short Exposure Percentile
Short interest is relatively low, indicating limited pressure from short positions. (Historical percentile: 35%)
Structure Analysis
UPST Short positioning looks normal. Current days to cover is 4.9 trading days, meaning short positions would unwind somewhat slower than average. Short covering could add extra momentum to price moves.
Bull Trap Structural Risk
Some early warning signs are emerging. Price strength remains intact, but underlying support may be starting to weaken.This indicator is intended as a risk filter, not a directional signal. A High or Extreme reading does not predict an immediate move, but suggests that if prices weaken, downside reactions may be more pronounced.
Elevated short crowding (short interest as a share of float is above normal). As a result, similar news or market events could lead to price moves about 2× larger than usual.
Note:
Short interest data is reported every two weeks by
FINRA.
The most recent snapshot is
2026-01-15 (ET).
Because this data updates slowly, it is not intended to predict short-term price moves. Instead, it helps describe longer-term market structure and where pressure may be building if prices begin to move.