NASDAQ: UPST · Credit Services

Upstart Holdings (UPST) stock sentiment

Over the past week, Upstart Holdings (UPST) drew about 43 mentions across Reddit, X and news, and the read is an Adanos Sell. The crowd averages 37% bullish but is deeply split: News runs 50% bullish while X sits at just 24%. Wall Street is more constructive, with 8 of 15 analysts rating UPST a buy.

There is little buzz around UPST this week and little agreement on direction, which is why it reads as a Sell.

Wall Street vs the crowd on UPST

Wall Street’s 53% buy share sits next to a crowd that ranges from X at 24% to News at 50%. No other tracker puts the two side by side.

Analyst ratings

Buy
Buy 8
Hold 6
Sell 1
Avg target $40.60

Across 15 analysts the consensus is a Buy: 8 buy calls against 1 sell, with an average 12-month price target of $40.60.

15 analysts53% buy share

Crowd sentiment

Sell
Crowd bullish 37%
Spread 26 pts
Most bullish News 50%
Most bearish X 24%

The Adanos signal blends each source’s bullish ratio, source breadth, buzz intensity and 3-day momentum. This week bullish sits just below the neutral line, momentum is improving and the 3 sources only partly agree, so the read is a Sell.

3 sourcesWide divergence

Who is bullish on UPST

26pt spread
Wall St
53%
News
50%
Reddit
38%
X
24%
Wall Street (analyst buy share)Crowd average 37%

Analysts sit 16 points above the crowd average of 37%, the professionals are more constructive than retail. The split is inside the crowd: News reads 50% bullish while X sits at 24%, a 26-point spread that single-source trackers miss.

Why UPST reads Sell

Sell -14.6
Bullish Average
Average sentiment is 37.3% bullish, below the 50% neutral line.
-16.5
Trend
More sources are improving than weakening: 2 up, 1 down, 0 flat.
+2.3
Buzz
Discussion intensity is 33.4, well below the usual midpoint.
-2.0
Source Breadth
This signal is based on 3 tracked sources.
+1.5
Consensus
0 bullish sources and 2 bearish sources keep the score from getting a consensus bonus.
0.0

Upstart Holdings (UPST) buzz score vs. EOD price

Over the 30-day window, Upstart Holdings (UPST) buzz held subdued around 29.1 while the price drifted up 3.1% across the period. The chart tracks how social and news attention moved against end-of-day price. Average daily trading volume across the displayed trading days is 4.4M shares. Updated Aug 15, 2026. Over the last 7 trading days, UPST gained 2.4%. Buzz activity in the recent week averaged 35.1 and was relatively stable, swinging between 28.0 and 45.5. Recent volume is in line with the 30-day average, reflecting steady institutional and retail participation. Daily crowd sentiment leaned bullish on 17 of the 21 days with directional mentions, shown as the green, grey and red breakdown bars below the chart.

How each source saw UPST this week

Signal metrics use the latest 7 days; contributor and breadth context uses the 30-day chart window.

Reddit 7-day signal

Open source page
Buzz 24.2
Bullish 38%
Mentions 8
Trend Rising
11 subreddits · 30-day context7-day sentiment 0.0
Bullish 38%Neutral 37%Bearish 25%
r/wallstreetbets Neutral
Loudest Reddit venue in the 30-day context window with 28 mentions.

X 7-day signal

Open source page
Buzz 44.9
Bullish 24%
Mentions 29
Trend Falling
29 tweets7-day sentiment +0.1
Bullish 24%Neutral 62%Bearish 14%
@HenryInvests · 30-day context Bullish 0.35
“Upstart Receives Conditional Approval from the OCC to Establish Upstart Bank $UPST”
♥ 88↻ 6👁 7K views

News 7-day signal

Open source page
Buzz 31.1
Bullish 50%
Mentions 6
Trend Rising
14 publishers · 30-day context7-day sentiment +0.2
Bullish 50%Neutral 50%Bearish 0%
The Motley Fool · 30-day context Bullish 0.19
“91% of Upstart's Loans Were Fully Automated Last Quarter. No Bank Can Underwrite That Cheaply.” Led by MarketBeat and The Motley Fool.

Polymarket signal

No Polymarket data for this stock this week.

Finance Sentiment CLI

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Upstart Holdings (UPST) at a glance

This week’s sentiment from Adanos, with fundamentals and analyst consensus. A quick-reference snapshot for Aug 15, 2026.

Adanos signalSell
Analyst consensusBuy (8 / 6 / 1)
Crowd bullish (7d)37%
Avg price target$40.60
Most bullish sourceNews, 50%
Most bearish sourceX, 24%
Sentiment spread26 pts
Mentions (7d)43
Market cap$2.96B
P/E · Forward P/E59.7 · 46.5
EPS · Beta$0.51 · 2.2
Revenue (TTM)$1.29B · 5% margin
IndustryCredit Services

Upstart Holdings (UPST) stock sentiment FAQ

Is Upstart Holdings (UPST) a buy or sell right now?

Based on aggregated sentiment from Reddit, X and News sources, Upstart Holdings (UPST) currently carries an Adanos sell signal with 93/100 conviction. The current cross-source average reads 37% bullish across 3 active sources. Those sources contribute 43 tracked mentions over the last 7 days. This is a sentiment-based reading, not financial advice.

What does Reddit say about UPST stock?

Reddit discussion around Upstart Holdings (UPST) is fairly quiet with 8 mentions over the last 7 days; the 30-day context spans 11 tracked subreddits. The 7-day tone is 38% bullish; 3-day activity momentum is rising, suggesting building attention.

Is Upstart Holdings (UPST) bullish or bearish right now?

The crowd reads bearish on Upstart Holdings (UPST), averaging 37% bullish across 3 tracked sources over the last 7 days. The two ends of the range are News at 50% bullish and X at 24%, a 26-point spread. On the professional side, 8 of 15 analysts rate UPST a buy.

What do analysts say about Upstart Holdings (UPST)?

Of the 15 analysts covering Upstart Holdings (UPST), 8 rate it a buy, 6 a hold and 1 a sell, for a buy consensus. The average price target is $40.60. That puts the street ahead of the crowd, which averages 37% bullish.

What is the sentiment on UPST stock?

Upstart Holdings (UPST)'s cross-source average is bearish at 37% bullish. Source readings are split: 2 sources lean bearish and 1 source sits at 50% bullish. Reddit reads 38% bullish, News reads 50% bullish and x coverage is the most negative at 24% bullish. The combined signal points to broad sell-side pressure with 93/100 conviction.

Why does UPST carry a sell signal right now?

The cross-source average is bearish for Upstart Holdings (UPST) at 37% bullish. Source readings are split: 2 sources lean bearish and 1 source sits at 50% bullish. The most bearish reading is x at 24% bullish. 3-day activity momentum is falling on X, while reddit and news activity is rising. The sell signal carries 93/100 conviction.

What is driving Upstart Holdings (UPST) sentiment right now?

X is the dominant discussion channel with 29 mentions (67% of total volume). Reddit contributes 8 mentions and News contributes 6 mentions. The cross-source average is bearish at 37% bullish, while reddit and news show rising 3-day activity. Source readings are split: 2 sources lean bearish and 1 source sits at 50% bullish.

What does the Adanos sell signal mean for Upstart Holdings (UPST)?

The Adanos signal blends bullish ratio, buzz score, source breadth and 3-day activity momentum into a single buy/sell reading. UPST's sell signal at 93/100 conviction reflects a bearish cross-source average at 37% bullish. Source readings are split: 2 sources lean bearish and 1 source sits at 50% bullish. It is a research shortcut, not financial advice.

How fresh is this UPST sentiment data?

The UPST sentiment page is regenerated from the latest 7-day tracking window at each build. Data reflects the most recent Reddit posts, tweets and news articles available in the current publishing cycle.

Peers are ranked first by matching the Sell signal, then by the closest bullish ratio. Discussion activity breaks any remaining ties.

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