UPST

Upstart Holdings (UPST) closed at $23.25, down 1.32% while the S&P 500 gained 0.41%. The stock has declined 5.76% over the past month, underperforming the broader market.

However, the company is expected to report strong earnings on November 3, 2026, with projected EPS of $0.60 (up 15.38% YoY) and revenue of $364.63 million (up 31.58% YoY). UPST currently holds a Zacks Rank of #3 (Hold) with a Forward P/E of 10.71, trading at a discount to its industry average.

Upstart Holdings (UPST) has attracted significant investor attention despite a -5.7% monthly decline. The company shows strong earnings growth projections (+26.4% for current fiscal year, +47.3% for next year) and solid revenue growth (+36% and +30.9% respectively), with recent results beating consensus estimates. However, the stock carries a Zacks Rank #3 (Hold) rating due to premium valuation metrics relative to peers, suggesting near-term performance in line with the broader market.

Upstart Holdings (UPST) declined 1.45% to $23.75, underperforming the S&P 500's 0.06% loss. The stock has fallen 5.82% over the past month, significantly outpacing the Finance sector's 2.69% decline.

Upcoming earnings on November 3, 2026 are expected to show $0.6 EPS (15.38% YoY growth) and $364.63M revenue (31.58% YoY growth). The company holds a Zacks Rank #3 (Hold) with a Forward P/E of 10.95, slightly above its industry average of 10.93.

Upstart Holdings has partnered with Credit Union of Denver to expand access to affordable personal loans through its AI-powered digital lending marketplace. The partnership, which began in April 2026, allows qualified applicants to receive tailored loan offers and complete membership and closing online.

Upstart continues to strengthen its credit union relationships, with Commonwealth Credit Union also expanding its partnership into HELOCs and indirect auto lending. The company reported strong Q2 2026 results with $4.2 billion in total originations (up 50% YoY) and $365 million in revenues (up 42% YoY).

Upstart Holdings (UPST) declined 2.01% to $23.86, underperforming the S&P 500's 0.58% gain. The company is anticipated to report Q earnings of $0.6 EPS (up 15.38% YoY) and revenue of $364.63 million (up 31.58% YoY).

Full-year consensus estimates project $2.2 EPS and $1.42 billion revenue. However, UPST holds a Zacks Rank #4 (Sell) rating with a Forward P/E of 11.07, trading at a discount to its industry average.

Upstart (UPST) has declined over 70% from its July peak and reached a new 52-week low, driven by investor worry rather than poor fundamentals. Despite the stock weakness, the company shows strong operational performance with Q2 revenue up 42% year-over-year and full-year guidance 40% above 2025 results. Analysts maintain a consensus price target of $39.24, suggesting 70% upside potential once market sentiment improves.

Upstart Holdings (UPST) has attracted investor attention despite a -15.5% decline over the past month. While the company shows strong revenue growth (+36% expected for current fiscal year) and earnings growth (+26.4% for current year), it received a Zacks Rank #4 (Sell) rating due to unchanged earnings estimate revisions. The stock is trading at a premium valuation (Grade D) compared to peers, suggesting potential underperformance in the near term.

Pagaya Technologies raised $3.7 billion across six asset-backed securities (ABS) transactions in Q2 2026 and added 11 new institutional investors, bringing the total to 174. The company is diversifying its funding model beyond traditional securitization through auto funding facilities, variable funding notes, and revolving personal-loan facilities. Despite expanding alternative funding sources, Pagaya completed a $600 million personal-loan securitization, bringing 2026 ABS issuance to over $9 billion, demonstrating that securitization remains a core funding engine.

Pagaya Technologies (PGY) trades at a discounted 0.89X forward P/S ratio compared to industry average of 2.59X, supported by strong funding diversification ($3.7B raised in Q2 2026), multi-product expansion, and improving operating leverage with 1H26 revenues at $705M. However, the stock carries a Hold rating due to margin pressures from funding costs and flat earnings estimate revisions, warranting caution before building new positions.