Macro Guru

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! xitter.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

$UPST investors deserve transparency. Paul Gu’s association with Mythos Ventures and its UPST trading activity raise legitimate questions. I hope all transactions are fully disclosed, properly compliant, & free of insider trading. Investor trust is already fragile!

An earnings leak $UPST is certainly a possibility. Otherwise, it's difficult to explain this kind of selling pressure and unusually heavy volume right ahead of earnings. Something doesn't add up.

$UPST at $23.39, while BofA’s $30 target implies 28% upside. Q2 revenue hit $364.7M (+42%), contribution profit reached $193.1M, and Q3 originations hit $4.118B. Selling off before earnings looks premature. If results deliver, shorts could get crushed. 👀🚀

Every fintech seems to be up 4%+ today. Except $UPST. What's the mystery? Is the market still punishing its balance-sheet risk, or is something else going on? 🤔

$SOFI delivered strong results. Now watch $UPST: Q2 contribution profit hit $193.1M (55% margin). Auto & Home margins improved to -35% from -96% in Q1. If Q3 brings further margin gains and lower BS exposure, a major rerating could follow.

$UPST 🚀 The 10Y yield is below 5%, with the low-4% range back in focus. Wars eventually give way to peace, and the rate-cut cycle could revive lending demand. If funding costs ease while originations grow, Upstart could fly before the crowd catches on. 👀

$UPST bears see a broken story. I see a potential reversal. Analysts estimate $3.48 EPS for 2027—up from $2.29 in 2026. If revenue accelerates, balance-sheet risk falls, and macro pressure eases, sentiment could flip fast. The market may be pricing in too much fear. 👀