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"news": [
{
"title": "Loop Capital initiates Upstart stock with hold rating on capital concerns By Investing.com",
"url": "https://www.investing.com/news/analyst-ratings/loop-capital-initiates-upstart-stock-with-hold-rating-on-capital-concerns-93CH-4892848",
"source": "Investing.com",
"date": "2026-09-09T07:56:50Z",
"summary": "Investing.com - Loop Capital initiated coverage on Upstart Holdings Inc (NASDAQ:UPST) with a Hold rating and a price target of $34.00, according to a research note released Tuesday. The stock currently trades at $26.98, suggesting roughly 26% upside to the target, though shares h",
"image": "https://content-media.investing.com/news/moved_LYNXMPEM3T1AG_1200_L.jpg"
},
{
"title": "Upstart Refocuses on Personal Loans as Consumer Stress Rises",
"url": "https://finance.yahoo.com/markets/stocks/articles/upstart-refocuses-personal-loans-consumer-070205544.html",
"source": "Yahoo! Finance",
"date": "2026-09-09T07:02:05Z",
"summary": "* Pathward's Credit Scare Tests Its Comeback Story\n\nUpstart (NASDAQ:UPST) CEO Paul Gu said the company is concentrating its efforts on expanding its core personal loan business, which he described as the company's most differentiated and highest-margin product. Gu said the segmen",
"image": "https://s.yimg.com/lo/mysterio/api/d7beb75ad2693bac89cff36996f6de7fd371126b4757d1c5170781ddc0d8ef94/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fmarketbeat_955%2F19272e68758fad1007d14290b0b7f4e4.png"
},
{
"title": "Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript",
"url": "https://seekingalpha.com/article/4944039-upstart-holdings-inc-upst-presents-at-goldman-sachs-communacopia-technology-conference-2026",
"source": "Seeking Alpha",
"date": "2026-09-08 16:45:37",
"summary": "Upstart Holdings, Inc. (UPST) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript",
"image": "https://images.financialmodelingprep.com/news/upstart-holdings-inc-upst-presents-at-goldman-sachs-communacopia-20260908.jpg"
},
{
"title": "Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound?",
"url": "https://www.zacks.com/stock/news/2984532/upstart-upst-down-6-7-since-last-earnings-report-can-it-rebound?cid=CS-ZC-FT-realtime_blog-2984532",
"source": "Zacks Investment Research",
"date": "2026-09-03T15:30:26Z",
"summary": "Upstart Holdings reported Q2 2026 revenues of $364.7 million (up 42% YoY) with improved profitability, including EPS of 16 cents (up 220% YoY) and adjusted EBITDA of $76.9 million. Despite strong operational results, the stock has underperformed the S&P 500 by 6.7% since earnings",
"image": "https://staticx-tuner.zacks.com/images/default_article_images/default149.jpg"
},
{
"title": "Upstart Publishes August 2026 Originations and Latest UMI",
"url": "https://www.businesswire.com/news/home/20260903664737/en/Upstart-Publishes-August-2026-Originations-and-Latest-UMI/",
"source": "Business Wire",
"date": "2026-09-03 07:45:00",
"summary": "BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Publishes August 2026 Originations and Latest UMI.",
"image": "https://images.financialmodelingprep.com/news/upstart-publishes-august-2026-originations-and-latest-umi-20260903.jpg"
},
{
"title": "Upstart's Breakout May Occur Sooner Than Expected - H2 2026 Macro Risks",
"url": "https://seekingalpha.com/article/4941993-upstart-stock-breakout-may-occur-sooner-than-expected-h226-macro-risks",
"source": "Seeking Alpha",
"date": "2026-09-01 03:36:56",
"summary": "The fee-based revenues underscore Upstart's likely to be a resilient AI-powered lending marketplace, aided by the growing third-party funding capacity. Further margin expansion from FY2027 may be driven by the robust unsecured loan growth and the projected breakeven secured segme",
"image": "https://images.financialmodelingprep.com/news/upstarts-breakout-may-occur-sooner-than-expected-h2-2026-20260901.jpg"
},
{
"title": "Is SoFi's Product Flywheel Gaining Enough Traction to Lift SOFI Stock?",
"url": "https://finance.yahoo.com/markets/stocks/articles/sofis-product-flywheel-gaining-enough-181800805.html",
"source": "Yahoo! Finance",
"date": "2026-08-31T18:18:00Z",
"summary": "SoFi Technologies SOFI is increasingly moving beyond its roots as an online lender toward becoming a broad digital financial-services platform. The company's strategy rests on attracting members through products such as checking and savings, investing and financial planning, and ",
"image": "https://s.yimg.com/lo/mysterio/api/177aa29537c8548d0b178277ef2f4efa6a9b4766b56d1dc2c565509e20cc3d9a/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fzacks.com%2F378e912f39550fd9d3e26da87fee4c8a.jpg"
},
{
"title": "PGY Shares Surge 93.8% in 6 Months: Should You Buy It Now?",
"url": "https://www.zacks.com/stock/news/2982729/pgy-shares-surge-93-8-in-6-months-should-you-buy-it-now?cid=CS-ZC-FT-analyst_blog|most_popular_stocks-2982729",
"source": "Zacks Investment Research",
"date": "2026-08-31T15:22:00Z",
"summary": "Pagaya Technologies (PGY) shares have jumped 93.8% over six months, significantly outperforming peers LendingTree and Upstart Holdings. The company demonstrated strong Q2 results with 33% year-over-year network volume growth, 19% revenue increase, and 43% adjusted EBITDA growth. ",
"image": "https://staticx-tuner.zacks.com/images/articles/main/34/40658.jpg"
},
{
"title": "Upstart: Massive Short Squeeze Potential",
"url": "https://seekingalpha.com/article/4941768-upstart-massive-short-squeeze-potential",
"source": "Seeking Alpha",
"date": "2026-08-31 10:13:38",
"summary": "Upstart Holdings, Inc. is scaling rapidly, driven by AI-powered loan origination and expanding transaction volumes. UPST's platform saw 50% year-over-year growth in loan originations in Q2, reaching 558,014 total loans, with improving channel conversion rates. Upstart still benef",
"image": "https://images.financialmodelingprep.com/news/upstart-massive-short-squeeze-potential-20260831.jpg"
},
{
"title": "Down 30% in 2026, Is Upstart an AI Stock to Buy Right Now?",
"url": "https://www.fool.com/investing/2026/08/28/down-30-in-2026-is-upstart-an-ai-stock-to-buy-righ/?source=iedfolrf0000001",
"source": "The Motley Fool",
"date": "2026-08-29T00:06:41Z",
"summary": "Upstart, an AI-powered lending platform, has declined 30% in 2026, raising questions about its investment potential. The company has achieved 91% fully automated loan underwriting, a capability competitors cannot match. However, insider stock sales and concerns about economic dec",
"image": "https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F885669%2Fmqdefault-1.jpg&w=1200&op=resize"
},
{
"title": "Upstart Holdings' chief accounting officer sells $27,417 in stock By Investing.com",
"url": "https://www.investing.com/news/insider-trading-news/upstart-holdings-chief-accounting-officer-sells-27417-in-stock-93CH-4880337",
"source": "Investing.com",
"date": "2026-08-27T23:16:00Z",
"summary": "Natalia Mirgorodskaya, Chief Accounting Officer and Controller at Upstart Holdings, Inc. (NASDAQ:UPST), sold shares of the company's common stock totaling $27,417 on August 25, 2026.\n\nThe transaction involved the sale of 913 shares at a price of $30.03 per share, nearly matching ",
"image": "https://content-media.investing.com/news/moved_LYNXMPEM431A2_1200_L.jpg"
},
{
"title": "AST SpaceMobile vs. Firefly Aerospace: Which Outer Space Upstart Is a Better Buy in 2026?",
"url": "https://www.fool.com/coverage/better-buy/2026/08/27/ast-spacemobile-vs-firefly-aerospace-which-outer-space-upstart-is-a-better-buy-in-2026/",
"source": "The Motley Fool",
"date": "2026-08-27 16:34:01",
"summary": "AST SpaceMobile is building a first-of-its-kind space-based cellular network designed to connect directly to standard mobile phones. Firefly Aerospace provides specialized launch, lunar, and in-space services for government and commercial national security missions.",
"image": "https://images.financialmodelingprep.com/news/ast-spacemobile-vs-firefly-aerospace-which-outer-space-upstart-20260827.jpg"
},
{
"title": "Pathward's Credit Scare Tests Its Comeback Story",
"url": "https://finance.yahoo.com/markets/stocks/articles/pathward-credit-scare-tests-comeback-172000421.html",
"source": "Yahoo! Finance",
"date": "2026-08-25T17:20:00Z",
"summary": "Pathward Financial (NASDAQ: CASH) has had its share of serious bumps over the past 14 months, including accounting restatements, a Nasdaq listing scare, and concerns about the credit quality of loans. Its fiscal third-quarter earnings report did little to settle things down.\n\nBut",
"image": "https://s.yimg.com/lo/mysterio/api/6b725430821ba5c98f08a99da88d1b7e57bf36d4a1ef424750c831e9c4ed4be3/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Fmarketbeat_955%2F7faa7eebc4ef5c2c55a34179dab7a23d.png"
},
{
"title": "Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026",
"url": "https://www.businesswire.com/news/home/20260825087809/en/Upstart-Co-founder-and-CEO-to-Participate-in-Fireside-Chat-at-the-Goldman-Sachs-Communacopia-and-Technology-Conference-2026/",
"source": "Business Wire",
"date": "2026-08-25 16:05:00",
"summary": "BURLINGAME, Calif.--(BUSINESS WIRE)--Upstart Co-founder and CEO to Participate in Fireside Chat at the Goldman Sachs Communacopia and Technology Conference 2026.",
"image": "https://images.financialmodelingprep.com/news/upstart-cofounder-and-ceo-to-participate-in-fireside-chat-20260825.jpg"
},
{
"title": "Is Upstart Stock a Buy After Falling 55% This Year? Here's What to Know as One Insider Disposes of Shares",
"url": "https://finance.yahoo.com/markets/stocks/articles/upstart-stock-buy-falling-55-143543161.html",
"source": "Yahoo! Finance",
"date": "2026-08-22T14:35:43Z",
"summary": "Sanjay Datta, the president of capital & enterprise at Upstart Holdings, Inc. (NASDAQ:UPST), sold 18,945 shares of common stock on August 19 and August 20, according to a recent SEC Form 4 filing.\n\nTransaction summary\n\nTransaction value based on SEC Form 4 weighted average sale p",
"image": "https://s.yimg.com/lo/mysterio/api/18760F75C461FF10B0ECF5FF249062616C6B70E6A151254711BD8BED945D7649/subgraphmysterio/resizefill_w1200_h1071;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fmotleyfool.com%2Fb90ccf524949da75b6dd88cce261a471.png"
},
{
"title": "An Upstart Insider Filing Involves $216,000. Here's How It Connects to a New Bank Charter",
"url": "https://finance.yahoo.com/markets/stocks/articles/upstart-insider-filing-involves-216-142957697.html",
"source": "Yahoo! Finance",
"date": "2026-08-22T14:29:57Z",
"summary": "Scott Darling, the chief legal officer of Upstart Holdings, Inc. (NASDAQ:UPST), sold 7,696.0 shares of common stock on August 20, according to a recent SEC Form 4 filing.\n\nTransaction summary\n\nTransaction value based on SEC Form 4 weighted average sale price ($28.09); post-transa",
"image": "https://s.yimg.com/lo/mysterio/api/405BBDFA63D24383F1CCE266CD5BC297F43B08C42675E90CACC7E6D4398B6C53/subgraphmysterio/resizefill_w1200_h1071;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fmotleyfool.com%2F6df4b60a8ec56b07e8006b55fcfdc96a.png"
},
{
"title": "Upstart's CFO Sold Stock as the Company Returned to Profit. Here's What to Know",
"url": "https://finance.yahoo.com/markets/stocks/articles/upstarts-cfo-sold-stock-company-134656705.html",
"source": "Yahoo! Finance",
"date": "2026-08-22T13:46:56Z",
"summary": "Andrea Blankmeyer, the chief financial officer of Upstart Holdings, Inc. (NASDAQ:UPST), sold 10,175 shares in a non-discretionary transaction on August 17 and August 19, according to an SEC Form 4 filing.\n\nTransaction summary\n\nTransaction value based on SEC Form 4 weighted averag",
"image": "https://s.yimg.com/lo/mysterio/api/D80420DA0CF314124FA6977DC105CF61384BE4B1522EDEA31F7C880D2F2FD95D/subgraphmysterio/resizefill_w1200_h1071;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fmotleyfool.com%2F32b2b775ed06cba8de27aabcf8574343.png"
},
{
"title": "How to Judge a Fintech Stock Before You Buy It",
"url": "https://finance.yahoo.com/markets/stocks/articles/judge-fintech-stock-buy-062500097.html",
"source": "Yahoo! Finance",
"date": "2026-08-22T06:25:00Z",
"summary": "If investors want to pick individual companies for their portfolios, more work is required than if they choose to go the passive route. Researching businesses takes time and effort. It's not always an easy process. But curiosity can take you far, especially if you're searching in",
"image": "https://s.yimg.com/lo/mysterio/api/DBE7CD63ED8CBE284C240793FF6276F485E6DB9544CE51C2557CF8CB7130E4A3/subgraphmysterio/resizefill_w1200_h800;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fmotleyfool.com%2Faef71c24067d764954eb94f3d993187a.jpg"
},
{
"title": "Upstart president Sanjay Datta sells $565k in company stock By Investing.com",
"url": "https://www.investing.com/news/insider-trading-news/upstart-president-sanjay-datta-sells-565k-in-company-stock-93CH-4872208",
"source": "Investing.com",
"date": "2026-08-21T22:36:15Z",
"summary": "Sanjay Datta, President of Capital & Enterprise at Upstart Holdings, Inc. (NASDAQ:UPST), recently sold a total of 18,945 shares of company common stock for a combined value of approximately $565,931. The transactions occurred over two days, with prices ranging from $27.98 to $31.",
"image": "https://content-media.investing.com/news/moved_LYNXMPEM431A2_1200_L.jpg"
},
{
"title": "Upstart chief legal officer Scott Darling sells $216,216 in shares By Investing.com",
"url": "https://www.investing.com/news/insider-trading-news/upstart-chief-legal-officer-scott-darling-sells-216216-in-shares-93CH-4872207",
"source": "Investing.com",
"date": "2026-08-21T22:31:58Z",
"summary": "Scott Darling, Chief Legal Officer at Upstart Holdings, Inc. (NASDAQ:UPST), sold 7,696 shares of the company's common stock on August 20, 2026. The transactions totaled $216,216, with shares sold at prices ranging from $27.975 to $28.56. The weighted average price for these sales",
"image": "https://content-media.investing.com/news/moved_LYNXMPEM3T1AG_1200_L.jpg"
},
{
"title": "Upstart Holdings' chief accounting officer sells $16,460 in shares By Investing.com",
"url": "https://www.investing.com/news/insider-trading-news/upstart-holdings-chief-accounting-officer-sells-16460-in-shares-93CH-4872205",
"source": "Investing.com",
"date": "2026-08-21T22:31:55Z",
"summary": "Natalia Mirgorodskaya, Chief Accounting Officer and Controller at Upstart Holdings, Inc. (NASDAQ:UPST), sold 586 shares of the company's common stock on August 20, 2026. The transactions totaled $16,460, with shares sold at a weighted average price of $28.0899. The sales occurred",
"image": "https://content-media.investing.com/news/moved_LYNXMPEM3S10Z_1200_L.jpg"
},
{
"title": "Upstart (UPST) Stock Looks Rich On Earnings Yet Reasonable On AI Growth",
"url": "https://finance.yahoo.com/markets/stocks/articles/upstart-upst-stock-looks-rich-031830993.html",
"source": "Yahoo! Finance",
"date": "2026-08-21T03:18:30Z",
"summary": "Track your investments for FREE with Simply Wall St, the portfolio command center trusted by over 7 million individual investors worldwide.\n\nUpstart Holdings comes into focus today because the stock has delivered a steep decline of about 86.7% over the past five years, while the ",
"image": "https://s.yimg.com/lo/mysterio/api/AB6D1D6F4D2CA2B1CFDEFD34E715CACB9DA86FA115B3F68DD1ABBF868595384F/subgraphmysterio/resizefill_w1200_h434;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fsimply_wall_st__316%2F17286ad821a1799fbe520d67c5c5f1ea.jpg"
},
{
"title": "MongoDB, Cloudflare, Okta, Zscaler, and Upstart Stocks Trade Down, What You Need To Know",
"url": "https://finance.yahoo.com/markets/stocks/articles/mongodb-cloudflare-okta-zscaler-upstart-223515889.html",
"source": "Yahoo! Finance",
"date": "2026-08-20T22:35:15Z",
"summary": "A number of stocks fell in the afternoon session after competitive pressure from artificial intelligence continued to weigh on the software sector following a Bloomberg report that Anthropic expects its upcoming initial public offering to match or beat the size of SpaceX's record",
"image": "https://s.yimg.com/lo/mysterio/api/1F06860A48E340C392F9F1E0AC8EBEAF10FAE31210B162F587B412320F1B770E/subgraphmysterio/resizefill_w1200_h600;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fstockstory_922%2F209b69ec588e3527677667db85f1c8d6.jpg"
},
{
"title": "2 Growth Stocks with All-Star Potential and 1 That Underwhelm",
"url": "https://finance.yahoo.com/markets/stocks/articles/2-growth-stocks-star-potential-125115637.html",
"source": "Yahoo! Finance",
"date": "2026-08-20T12:51:15Z",
"summary": "Growth boosts valuation multiples, but it doesn't always last forever. Companies that cannot maintain it are often penalized with large declines in market value, a lesson ingrained in investors who lost money in tech stocks during 2022.\n\nDeciphering which businesses can sustain t",
"image": "https://s.yimg.com/lo/mysterio/api/1F06860A48E340C392F9F1E0AC8EBEAF10FAE31210B162F587B412320F1B770E/subgraphmysterio/resizefill_w1200_h600;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fstockstory_922%2F209b69ec588e3527677667db85f1c8d6.jpg"
},
{
"title": "SoFi Climbs 6%, Upstart Jumps 8%, Affirm Rises 7% as Fintech Names Rebound With Bond Market Catalyst",
"url": "https://247wallst.com/investing/2026/08/19/sofi-climbs-6-upstart-jumps-8-affirm-rises-7-as-fintech-names-rebound-with-bond-market-catalyst/",
"source": "24/7 Wall Street",
"date": "2026-08-19 12:25:33",
"summary": "Fintech names are rebounding at midday Wednesday. SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) stock is up 6% to $18.66, Upstart Holdings (NASDAQ:UPST) stock is up 8% to $31.58, and Affirm Holdings (NASDAQ:AFRM) stock is up 7% to $78.55.",
"image": "https://images.financialmodelingprep.com/news/sofi-climbs-6-upstart-jumps-8-affirm-rises-7-20260819.jpg"
}
],
"analyst": {
"estimates": [
{
"symbol": "UPST",
"date": "2029-12-31",
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"revenueHigh": 3604645168,
"revenueAvg": 3435435776,
"ebitdaLow": 689572662,
"ebitdaHigh": 779365836,
"ebitdaAvg": 734802613,
"ebitLow": 650739251,
"ebitHigh": 740532425,
"ebitAvg": 695969202,
"netIncomeLow": 514084009,
"netIncomeHigh": 585020616,
"netIncomeAvg": 549815670,
"sgaExpenseLow": 2560782377,
"sgaExpenseHigh": 2828301810,
"sgaExpenseAvg": 2695535558,
"epsAvg": 5.11491,
"epsHigh": 5.44242,
"epsLow": 4.7825,
"numAnalystsRevenue": 2,
"numAnalystsEps": 1
},
{
"symbol": "UPST",
"date": "2028-12-31",
"revenueLow": 2240788944,
"revenueHigh": 2657483140,
"revenueAvg": 2394472644,
"ebitdaLow": 397544561,
"ebitdaHigh": 494564238,
"ebitdaAvg": 446054400,
"ebitLow": 365935207,
"ebitHigh": 462954884,
"ebitAvg": 414445046,
"netIncomeLow": 289088814,
"netIncomeHigh": 365734359,
"netIncomeAvg": 327411586.5,
"sgaExpenseLow": 1758183436,
"sgaExpenseHigh": 2085132940,
"sgaExpenseAvg": 1878767811,
"epsAvg": 2.94759,
"epsHigh": 3.40241,
"epsLow": 2.68938,
"numAnalystsRevenue": 5,
"numAnalystsEps": 3
},
{
"symbol": "UPST",
"date": "2027-12-31",
"revenueLow": 1760087065,
"revenueHigh": 1900093990,
"revenueAvg": 1860092012,
"ebitdaLow": 260784118,
"ebitdaHigh": 304774499,
"ebitdaAvg": 282779308,
"ebitLow": 233074186,
"ebitHigh": 277064567,
"ebitAvg": 255069376,
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"netIncomeHigh": 218881008,
"netIncomeAvg": 201504807.5,
"sgaExpenseLow": 1381011778,
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"sgaExpenseAvg": 1459478356,
"epsAvg": 1.83772,
"epsHigh": 2.03624,
"epsLow": 1.71294,
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"numAnalystsEps": 8
},
{
"symbol": "UPST",
"date": "2026-12-31",
"revenueLow": 1400605797,
"revenueHigh": 1440623106,
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"ebitdaLow": 110636386,
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"ebitLow": 85166902,
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"sgaExpenseLow": 1098953080,
"sgaExpenseHigh": 1130351740,
"sgaExpenseAvg": 1114652410,
"epsAvg": 0.69547,
"epsHigh": 0.74605,
"epsLow": 0.62592,
"numAnalystsRevenue": 10,
"numAnalystsEps": 7
}
],
"price_target": {
"symbol": "UPST",
"targetHigh": 51,
"targetLow": 30,
"targetConsensus": 39.25,
"targetMedian": 39.5
},
"ratings": {
"symbol": "UPST",
"rating": "C",
"overallScore": 2,
"discountedCashFlowScore": 1,
"returnOnEquityScore": 3,
"returnOnAssetsScore": 4,
"debtToEquityScore": 1,
"priceToEarningsScore": 1,
"priceToBookScore": 1
},
"grades": [
{
"symbol": "UPST",
"date": "2026-08-05",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-08-05",
"gradingCompany": "Piper Sandler",
"previousGrade": "Overweight",
"newGrade": "Overweight",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-08-05",
"gradingCompany": "BTIG",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-07-22",
"gradingCompany": "Citigroup",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-07-09",
"gradingCompany": "Goldman Sachs",
"previousGrade": "Neutral",
"newGrade": "Neutral",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-07-07",
"gradingCompany": "BTIG",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-07-07",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-06-15",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-05-06",
"gradingCompany": "Piper Sandler",
"previousGrade": "Overweight",
"newGrade": "Overweight",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-05-06",
"gradingCompany": "BTIG",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-05-06",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-04-09",
"gradingCompany": "BTIG",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-03-26",
"gradingCompany": "Mizuho",
"previousGrade": "Outperform",
"newGrade": "Outperform",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-03-16",
"gradingCompany": "BTIG",
"previousGrade": "Neutral",
"newGrade": "Buy",
"action": "upgrade"
},
{
"symbol": "UPST",
"date": "2026-03-11",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-03-04",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-02-18",
"gradingCompany": "Citizens",
"previousGrade": "Market Underperform",
"newGrade": "Market Underperform",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-02-17",
"gradingCompany": "Compass Point",
"previousGrade": "Sell",
"newGrade": "Neutral",
"action": "upgrade"
},
{
"symbol": "UPST",
"date": "2026-02-13",
"gradingCompany": "Goldman Sachs",
"previousGrade": "Sell",
"newGrade": "Neutral",
"action": "upgrade"
},
{
"symbol": "UPST",
"date": "2026-02-13",
"gradingCompany": "Citizens",
"previousGrade": "Market Perform",
"newGrade": "Market Underperform",
"action": "downgrade"
},
{
"symbol": "UPST",
"date": "2026-02-11",
"gradingCompany": "Truist Securities",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2026-02-11",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "BTIG",
"previousGrade": "Neutral",
"newGrade": "Neutral",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "Piper Sandler",
"previousGrade": "Overweight",
"newGrade": "Overweight",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "B of A Securities",
"previousGrade": "Neutral",
"newGrade": "Neutral",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "Citigroup",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "JP Morgan",
"previousGrade": "Overweight",
"newGrade": "Overweight",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "Needham",
"previousGrade": "Buy",
"newGrade": "Buy",
"action": "maintain"
},
{
"symbol": "UPST",
"date": "2025-11-05",
"gradingCompany": "Stephens & Co.",
"previousGrade": "Equal Weight",
"newGrade": "Equal Weight",
"action": "maintain"
},
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{
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