Ticker brief
UPST UPSTART HOLDINGS INC
Financial · Diversified Finan Serv
last close
$23.78
1 day
-0.3%
14 days
-1.3%
mkt cap
$3.3B
signals 14d
26
authors 14d
18
crowd 14d
-0.8σ
Options inteloptions-surface reads · latest available day per source
| metric | reading | context |
|---|---|---|
| IV — ATM 30d | 76% mid · 45 pctile own 1y | IV/HV 1.58× |
| Skew — 25Δ RR 30d | -0.082 6 pctile own 1y | puts bid vs calls (downside bid) |
| 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, 2026-10-03 → 2026-10-16 · now -0.45 (−1 bearish … +1 bullish)
Who spoke18
| author | grade | trader score | signals | mean sent |
|---|---|---|---|---|
| @RobertDurant7 | C | -2.88 | 4 | +0.57 |
| @Gubloinvestor | C | -0.08 | 3 | +0.17 |
| @OptionsFlowBoss | C | · | 2 | +0.60 |
| @AIStockSavvy | C | -1.05 | 2 | +0.03 |
| @bjmtweets | A | +2.95 | 2 | +0.25 |
| @PrismMarketView | C | · | 1 | +0.10 |
| @OptionsHawk | B | -1.11 | 1 | +0.40 |
| @_TP888 | C | +0.93 | 1 | +0.50 |
| @RichardWedekin1 | B | +1.09 | 1 | -0.55 |
| @OptionsRule | C | +0.57 | 1 | +0.05 |
| @bullishchart | C | -1.21 | 1 | +0.40 |
| @KabraxFX | B | +1.09 | 1 | +0.60 |
| @WinnerInvestor | C | -1.72 | 1 | -0.55 |
| @BeatTheInsider | C | · | 1 | -0.20 |
| @capitol2iq | C | · | 1 | -0.10 |
| @UltimateTrad8r | C | -0.10 | 1 | +0.00 |
| @Biotech2k1 | A | +1.11 | 1 | +0.55 |
| @TheRayMyers | B | +0.07 | 1 | -0.45 |
Recent signals26of 26 in 14d — receipts included
| date (PT) | author | sent | what they said | since then | receipt |
|---|---|---|---|---|---|
| 2026-10-16 | @TheRayMyers | -0.45 | Documents severe fintech underperformance and explains sensitivity to rising funding costs. | +0.9% | tweet ↗ |
| 2026-10-14 | @Gubloinvestor | -0.65 | Warns against high-short-float stocks based on a negative experience with UPST. | +4.6% | tweet ↗ |
| 2026-10-14 | @Biotech2k1 | +0.55 | Discloses additions across six fintech holdings for the first time in three months. | +4.6% | tweet ↗ |
| 2026-10-14 | @Gubloinvestor | +0.40 | Lists steep YTD lending-stock losses and argues current prices will look cheap by 2028-2029. | +4.6% | tweet ↗ |
| 2026-10-13 | @Gubloinvestor | +0.75 | Predicts beaten-down credit stocks will become the next multibaggers after the macro environment clears. | -0.2% | tweet ↗ |
| 2026-10-13 | @AIStockSavvy | -0.35 | Goldman Sachs maintains Neutral on Upstart and cuts its price target to $28 from $39. | -0.2% | tweet ↗ |
| 2026-10-08 | @bjmtweets | -0.20 | Reports roughly 50% short interest near a 52-week low, four times fintech peers. | -1.7% | tweet ↗ |
| 2026-10-08 | @UltimateTrad8r | +0.00 | Entered APLD at 24 with fair value 30 and a path to 60-100. — Author reports a new APLD entry and explicit upside targets; other names are tags or completed sales. | -1.7% | tweet ↗ |
| 2026-10-07 | @OptionsFlowBoss | +0.55 | Reports $294,000 currently flowing into UPST calls. | -1.0% | tweet ↗ |
| 2026-10-07 | @bjmtweets | +0.70 | Contrasts an 8.5B model valuation with Upstart's current 2.3B market value. | -1.0% | tweet ↗ |
| 2026-10-07 | @capitol2iq | -0.10 | Reports a representative's partial sales of four stocks, led by a $50K-$100K ServiceNow sale. | -1.0% | tweet ↗ |
| 2026-10-07 | @BeatTheInsider | -0.20 | Reports a representative's disclosed sales across four stocks. | -1.0% | tweet ↗ |
| 2026-10-06 | @WinnerInvestor | -0.55 | Calls UPST a wealth destroyer despite a positive personal-loan experience. | -0.3% | tweet ↗ |
| 2026-10-06 | @RobertDurant7 | +0.55 | Says AFRM and UPST can sustain a multiday rally if trends persist, aided by crowded shorts. | -0.3% | tweet ↗ |
| 2026-10-06 | @AIStockSavvy | +0.40 | Needham reiterates Buy on Upstart with a $42 target and favorable risk-reward. | -0.3% | tweet ↗ |
| 2026-10-06 | @RobertDurant7 | +0.65 | Expects oil lower and UPST/AFRM higher on growth and short-squeeze potential. | -0.3% | tweet ↗ |
| 2026-10-05 | @KabraxFX | +0.60 | Discloses additions to four positions and cuts in ELF and ORCL. | -2.3% | tweet ↗ |
| 2026-10-05 | @bullishchart | +0.40 | Reports two bullish scan signals and UPST's close relative to its 20-day average. | -2.3% | tweet ↗ |
| 2026-10-05 | @OptionsRule | +0.05 | Defines support, reclaim and failure levels without entry intent. | -2.3% | tweet ↗ |
| 2026-10-05 | @RobertDurant7 | +0.65 | Bullish UPST thesis cites loan growth and 35% short interest as squeeze fuel. | -2.3% | tweet ↗ |
| 2026-10-05 | @RobertDurant7 | +0.45 | Expects buy-now-pay-later and fintech firms AFRM and UPST to be highly profitable. | -2.3% | tweet ↗ |
| 2026-10-05 | @RichardWedekin1 | -0.55 | Expect UPST to fall to $10 before recovering toward $45. — States a two-stage directional plan: first $10, then $45. | -2.3% | tweet ↗ |
| 2026-10-05 | @_TP888 | +0.50 | Reports $127K of UPST call buying at the 24.5 strike, entirely transacted at the ask. | -2.3% | tweet ↗ |
| 2026-10-05 | @OptionsFlowBoss | +0.65 | Reports a $127K UPST call buyer. | -2.3% | tweet ↗ |
| 2026-10-05 | @OptionsHawk | +0.40 | Notes improving demand and price action across four fintech stocks. | -2.3% | tweet ↗ |
| 2026-10-03 | @PrismMarketView | +0.10 | Reports multiple concrete corporate events, including funding, securitization and insider purchases. | +4.3% | 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.