Key Drivers
- Liquidity cushion
- Cash burn
- High leverage
AIAI Summary
UPST is now a “show-me” turnaround rather than a pure AI growth trade: investors should focus on whether strong origination growth can finally convert into positive operating margins and free cash flow while litigation and funding risks stay contained.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •Liquidity cushion
- •Cash burn
- •High leverage
UPST ended FY2025 profitable with solid liquidity and modest tangible-book support, but the latest quarter turned to a loss with negative cash flow, rising leverage, and a still-rich valuation that looks stretched versus current earnings power.
Price Behavior
Key Price Behavior Insights:
- •Higher highs
- •Resistance test
- •Cooling momentum
UPST remains in a constructive uptrend over the last month, but after a sharp run into $35.7 resistance, a decisive breakout is needed to confirm further upside.
Brief pullback on 2026-07-02 after touching $35.74 suggests near-term momentum is cooling
Sentiment & News
Key News Insights:
- •AI loan growth
- •Funding support
- •Margin pressure
Upstart's news flow turned more constructive on strong AI-driven loan growth, renewed funding support, and firmer trading, though margin pressure, timing risk, and earlier legal overhang still temper the recovery.
The improving operating and financing backdrop is supportive for Upstart, but near-term volatility may persist as profitability and legal risks remain in focus
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