NASDAQ: UPST · Credit Services

Upstart Holdings (UPST) stock sentiment

Over the past week, Upstart Holdings (UPST) drew about 106 mentions across Reddit, X and news, and the read is an Adanos Hold. The crowd averages 43% bullish but is deeply split: News runs 75% bullish while Reddit sits at just 0%. 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 Hold.

Wall Street vs the crowd on UPST

Wall Street’s 53% buy share sits next to a crowd that ranges from Reddit at 0% to News at 75%. No other tracker puts the two side by side.

Analyst ratings

Buy
Buy 8
Hold 6
Sell 1
Avg target $39.80

Across 15 analysts the consensus is a Buy: 8 buy calls against 1 sell, with an average 12-month price target of $39.80.

15 analysts53% buy share

Crowd sentiment

Hold
Crowd bullish 43%
Spread 75 pts
Most bullish News 75%
Most bearish Reddit 0%

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 mixed and the 3 sources disagree sharply, so the read is Hold rather than a clear buy or sell.

3 sourcesWide divergence

Who is bullish on UPST

75pt spread
Wall St
53%
News
75%
X
53%
Reddit
0%
Wall Street (analyst buy share)Crowd average 43%

Analysts sit 10 points above the crowd average of 43%, the professionals are more constructive than retail. The split is inside the crowd: News reads 75% bullish while Reddit sits at 0%, a 75-point spread that single-source trackers miss.

Why UPST reads Hold

Hold -5.5
Bullish Average
Average sentiment is 42.7% bullish, below the 50% neutral line.
-9.5
Trend
Momentum is balanced: 1 up, 1 down, 1 flat.
0.0
Buzz
Discussion intensity is 41.8, a little below the usual midpoint.
-2.0
Source Breadth
This signal is based on 3 tracked sources.
+1.5
Consensus
1 bullish source and 1 bearish source keep the score from getting a consensus bonus.
0.0
Wide divergence dampener applied: heavy disagreement between sources trimmed the pre-score from -10.0 to -5.5.

Upstart Holdings (UPST) buzz score vs. EOD price

Over the 30-day window, Upstart Holdings (UPST) buzz held moderate around 53.4 while the price drifted down 23.1% 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 3.7M shares. Updated Jul 27, 2026. Over the last 7 trading days, UPST lost 12.8%. Buzz activity in the recent week averaged 40.9 and was variable, swinging between 26.0 and 53.4. Recent volume is in line with the 30-day average, reflecting steady institutional and retail participation. Daily crowd sentiment leaned bullish on 18 of the 19 days with directional mentions, shown as the green, grey and red breakdown bars below the chart.

How each source saw UPST this week

Buzz, bullish share, the loudest item and the positive / neutral / negative split for every tracked source over the last 7 days.

Reddit signal

Open source page
Buzz 30.1
Bullish 0%
Mentions 5
Trend Rising
15 subredditsSentiment +0.1
Bullish 23%Neutral 63%Bearish 15%
r/economy Neutral
Loudest Reddit venue with 9 mentions this week.

X signal

Open source page
Buzz 65.2
Bullish 53%
Mentions 97
Trend Falling
97 tweetsSentiment +0.2
Bullish 60%Neutral 30%Bearish 9%
@ZaStocks Neutral -0.04
“$UPST”
♥ 193↻ 20👁 20K views

News signal

Open source page
Buzz 30.2
Bullish 75%
Mentions 4
Trend Stable
10 publishersSentiment +0.2
Bullish 55%Neutral 41%Bearish 5%
Stocktitan Bullish 0.27
“Upstart Receives Conditional Approval from the OCC to Establish Upstart Bank | UPST Stock News” Led by Gurufocus and Nasdaq.

Polymarket signal

No Polymarket data for this stock this week.

Finance Sentiment CLI

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Webmaster Widgets

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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 Jul 27, 2026.

Adanos signal
Hold
Analyst consensus
Buy (8 / 6 / 1)
Crowd bullish (7d)
43%
Avg price target
$39.80
Most bullish source
News, 75%
Most bearish source
Reddit, 0%
Sentiment spread
75 pts
Mentions (7d)
106
Market cap
$2.58B
P/E · Forward P/E
65.7 · 35.0
EPS · Beta
$0.41 · 2.3
Revenue (TTM)
$1.17B · 4% margin
Industry
Credit 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 hold signal with 69/100 conviction. The current cross-source average reads 43% bullish across 3 active sources. Those sources contribute 106 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 5 mentions across 15 tracked subreddits. The tone is 0% bullish with rising 3-day activity momentum, suggesting building attention.

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

The crowd reads bearish on Upstart Holdings (UPST), averaging 43% bullish across 3 tracked sources over the last 7 days. The two ends of the range are News at 75% bullish and Reddit at 0%, a 75-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 $39.80. That puts the street ahead of the crowd, which averages 43% bullish.

What is the sentiment on UPST stock?

Upstart Holdings (UPST) sentiment is bearish across all 3 tracked sources. X reads 53% bullish, News reads 75% bullish and reddit coverage is the most negative at 0% bullish. The combined signal points to broad mixed pressure with 69/100 conviction.

Why does UPST carry a hold signal right now?

Social sentiment data shows consistently bearish discussion around Upstart Holdings (UPST). All 3 tracked sources lean negative, with reddit being the most bearish at 0% bullish. 3-day activity momentum is falling on X, while reddit activity is rising. The hold signal carries 69/100 conviction.

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

X is the dominant discussion channel with 97 mentions (92% of total volume). Reddit contributes 5 mentions and News contributes 4 mentions. Sentiment is bearish across all sources, while reddit is the only source with rising 3-day activity.

What does the Adanos hold 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 hold signal at 69/100 conviction reflects consistently bearish sentiment across 3 tracked sources. 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.

These stocks share a comparable sentiment profile to Upstart Holdings with similar bullish ratios, signal direction and discussion volume. All 6 peers carry hold signals, pointing to broad mixed pressure rather than an UPST-specific issue.

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