Macro Guru

Putting our money into @Upstart has felt like a curse—management has left retail investors so much poorer. Come on @paulxgu, step in and show some accountability! $UPST

Dollars turned into pennies holding $UPST. How much lower does @Upstart have to go before leadership steps up with real answers? @paulxgu please do something about it.

Why does @Upstart think they’re so different from every other public company that they don’t need to give quarterly updates? Blaming "volatility" is a ridiculous excuse—especially when $UPST has been falling for months. @paulxgu

Rising Treasury yields and sticky CPI are crushing $UPST sentiment. Management can't just sit back and blame macro. Take action, strengthen the balance sheet, secure funding and communicate a clear plan to shareholders. Enough silence. Show some leadership!

Does $UPST deserve another 10% drop? Maybe. Management has made some ridiculous decisions, but revenue and earnings are still growing. The market can punish the stock, but let's not ignore the business progress. Shareholders deserve better execution and clearer communication.

Oh, $UPST, please stay green for a change and take a day off! You work so hard every single day finding your way back into the red. 😂

B. Riley Securities Reiterates Buy on Upstart Holdings, Price Target $42 $UPST

BTIG's $40 target puts $UPST at roughly 13x forward earnings. Analysts see 2027 normalized EPS reaching $3.58. After this brutal selloff, the question is simple: is the market pricing in too much pessimism while overlooking the earnings recovery potential?

$UPST has a special talent for one thing—finding its way back into the red every single day. 😂 At this point, green days feel like rare holidays!

Needham Maintains Buy on Upstart Holdings, Price Target $30 $UPST

BTIG Maintains Buy on Upstart Holdings, Price Target to $40 $UPST

Dave, glad you're sleeping well! 😂 Meanwhile, $UPST shareholders are checking the stock price, losing sleep, and questioning every life decision. Can we get an update from the guy who told us to sleep well? Asking for millions of exhausted shareholders! nitter.gq/davegirouard/status/19…

$UPST didn't lower guidance because its core platform stopped growing. Macro pressure is hurting returns on existing balance-sheet assets. That's a more fixable problem than a collapse in marketplace demand—but management must prove it.

$UPST shareholders are frustrated. Why lower guidance when other fintech companies are delivering strong results? Today's earnings showed real progress, but the outlook remains disappointing. Shareholders deserve a clear explanation and confidence in the company's direction.

$UPST delivered another important improvement in Q3: net income increased 15% YoY to $36.6M, while diluted EPS climbed to $0.33 from $0.23. Revenue growth is translating into higher earnings. That's the kind of progress shareholders want to see.

$UPST investors: One important detail from the earnings update—Upstart plans to discontinue reporting its conversion-rate metric after Q1 2027. Q3 conversion was 18.6%, compared with 19.4% a year ago. Worth keeping in mind as we track platform performance.

$UPST delivered strong progress: secured products reached a positive 17% contri margin, one quarter ahead of plan. Record $218M contribution profit (+48%), with contribution margin at 60%. Even better, BS loans declined to $940.7M from $984.6M at year-end —meaningful progress.

$UPST management owes shareholders answers. A brutal selloff on massive volume just one day before earnings? Unacceptable. What does management know that investors don't? Time to explain, @paulxgu