Ticker brief
UPST UPSTART HOLDINGS INC
Financial · Diversified Finan Serv
last close
$29.08
1 day
-4.5%
14 days
-4.4%
mkt cap
$3.3B
signals 14d
18
authors 14d
16
crowd 14d
+1.3σ
Options inteloptions-surface reads · latest available day per source
| metric | reading | context |
|---|---|---|
| IV — ATM 30d | 75% mid · 44 pctile own 1y | IV/HV 1.08× (as of 2026-08-06) |
| Skew — 25Δ RR 30d | +0.044 89 pctile own 1y | calls bid vs puts (call skew rich) |
| Net dealer OI (NDOI) | +3.80 elevated | 5-session Δ +0.80 (as of 2026-07-06) |
| OI alarm | quiet | last alarm 2026-02-11 (z=2.8) |
Sentiment — last 14 days
daily mean sentiment, 2026-08-15 → 2026-08-28 · now +0.55 (−1 bearish … +1 bullish)
Who spoke16
| author | grade | trader score | signals | mean sent |
|---|---|---|---|---|
| @7Innovator | B | -0.06 | 2 | +0.47 |
| @narrgis007 | C | -0.13 | 2 | +0.25 |
| @bjmtweets | A | +1.24 | 1 | +0.25 |
| @marketswithmay | A | -0.63 | 1 | -0.15 |
| @DDBlakeFischer | A | -0.00 | 1 | -0.50 |
| @capitol2iq | C | · | 1 | -0.20 |
| @MarketMaestro1 | C | -2.46 | 1 | +0.20 |
| @AIStockSavvy | C | -1.79 | 1 | +0.40 |
| @BeatTheInsider | C | · | 1 | +0.20 |
| @Gubloinvestor | C | -0.18 | 1 | -0.70 |
| @johnscharts | C | -2.20 | 1 | -0.65 |
| @Corgi4joy | C | -0.11 | 1 | +0.60 |
| @fintegrate | B | -0.89 | 1 | +0.00 |
| @Biotech2k1 | A | +1.02 | 1 | +0.55 |
| @CJsCalls | C | +1.43 | 1 | +0.20 |
| @RichardWedekin1 | B | +2.26 | 1 | +0.80 |
Recent signals18of 18 in 14d — receipts included
| date (PT) | author | sent | what they said | since then | receipt |
|---|---|---|---|---|---|
| 2026-08-28 | @narrgis007 | +0.30 | Lists bullish confirmation and support or gap-fill levels for several fintech stocks. | — | tweet ↗ |
| 2026-08-28 | @RichardWedekin1 | +0.80 | Long UPST as the company begins generating meaningful profit. — Explicit long call backed by improving profitability. | — | tweet ↗ |
| 2026-08-27 | @7Innovator | +0.45 | Upstart's CEO explains expansion into auto and HELOC markets serving underserved borrowers. | -4.5% | tweet ↗ |
| 2026-08-27 | @narrgis007 | +0.20 | AFRM can rise from 76.45 toward 90. — Expresses an explicit AFRM upside objective while listing related fintech peers. | -4.5% | tweet ↗ |
| 2026-08-26 | @CJsCalls | +0.20 | Finds UPST's base intriguing and adds it to a watchlist, but is not ready to enter. | -4.6% | tweet ↗ |
| 2026-08-26 | @Biotech2k1 | +0.55 | Discloses six fintech holdings that the author plans to keep while their execution remains impressive. | -4.6% | tweet ↗ |
| 2026-08-25 | @7Innovator | +0.50 | Author says the CEO's answers clarified UPST's strategy and made strong sense for investors. | -4.9% | tweet ↗ |
| 2026-08-24 | @fintegrate | +0.00 | Discloses holding MA for 14 years as the highest-conviction fintech position and would include V similarly. | -2.7% | tweet ↗ |
| 2026-08-22 | @Corgi4joy | +0.60 | Trade UPST for a quick pop, then exit rather than hold long term. — Expresses a short-horizon UPST trade with a planned exit and cites insider purchases. | -4.0% | tweet ↗ |
| 2026-08-20 | @johnscharts | -0.65 | Reports exiting a September 18 $30 position for a loss after warning of added risk. | +0.8% | tweet ↗ |
| 2026-08-19 | @Gubloinvestor | -0.70 | Avoid UPST and stocks with short float above 15%–20%. — Explicitly advises staying away from UPST-like high-short-float stocks. | -5.0% | tweet ↗ |
| 2026-08-19 | @BeatTheInsider | +0.20 | Reports a politician's financial disclosure with one holding highlight and four sales. | -5.0% | tweet ↗ |
| 2026-08-19 | @AIStockSavvy | +0.40 | Mizuho reiterated Outperform on Upstart with a $45 target | -5.0% | tweet ↗ |
| 2026-08-17 | @MarketMaestro1 | +0.20 | Says the existing UPST thesis is unchanged, but details require chart context. | -2.3% | tweet ↗ |
| 2026-08-17 | @capitol2iq | -0.20 | Summarizes a politician's June trades and subsequent returns across five named equities. | -2.3% | tweet ↗ |
| 2026-08-16 | @DDBlakeFischer | -0.50 | Several tech names are cited as extreme examples of large price declines despite revenue growth. | -4.4% | tweet ↗ |
| 2026-08-16 | @marketswithmay | -0.15 | Detailed rebuttal argues SOFI's lending, credit, funding, growth, and valuation are misunderstood. | -4.4% | tweet ↗ |
| 2026-08-15 | @bjmtweets | +0.25 | Wait for the credit cycle to turn, then buy NU and similar cyclical fintechs. — Author plans to buy NU and related fintechs after a future credit-cycle downturn. | -4.4% | tweet ↗ |
“Since then” = price move from the close on the signal's date (PT) to the latest close — what happened after they said it, not a backtest. A — means no trading session has closed since the signal yet. Sentiment is our extracted per-tweet score, −1…+1.