UPST
Upstart Holdings, Inc. · Financial Services · Credit Services
$22.81
-0.61% today · -4.20% 1W
Oct 2 close or latest
PreviewWhy it's moving
Underperforming without a clear catalyst yet
- UPST −0.61% on the last session vs SPY +0.74%: −1.3 pts of stock-specific move.
- 1 Reddit mentions in the past 24 hours, 70% positive over the week.
- 2 insider or congressional trades in the past 30 days, including 1 insider sale not under a 10b5-1 plan and 1 insider open-market buy.
- Market backdrop (Fri): Average Hourly Earnings m/m 0.1% vs 0.3% expected (cooler); Non-Farm Employment Change 29K vs 89K expected (weaker); S&P futures +0.41%, 10-year yield -5bp in the 30 minutes after.
Assembled from Wallsti's own signals.
Next report
Nov 3
In 30 days
estimated date
EPS estimate
$0.65
$0.45 to $0.88 · 6 analysts
Revenue estimate
$364.8M
$339.4M to $382.3M
Track record
7/8 beats
last 8 reports · moved ±17.4% on average
Reports
| Reported | Quarter | EPS est. | EPS | EPS surprise | Revenue | Reaction | Gap | 5 days |
|---|---|---|---|---|---|---|---|---|
| Aug 4, 2026 AMC | 2Q2026 | $0.55 | $0.57 | +$0.02 (+2.7%) beat | $364.7M | -0.4% -0.2 vs SPY | +14.1% | -1.4% |
| May 5, 2026 AMC | 1Q2026 | $0.43 | $0.30 | −$0.12 (−29.0%) miss | $308.2M | -7.9% -9.3 vs SPY | -10.2% | -10.7% |
| Feb 10, 2026 AMC | 4Q2025 | $0.46 | $0.50 | +$0.03 (+7.6%) beat | $296.1M | -15.0% -15.0 vs SPY | -3.7% | -19.1% |
| Nov 4, 2025 AMC | 3Q2025 | $0.42 | $0.52 | +$0.10 (+23.4%) beat | $277.1M | -9.7% -10.1 vs SPY | -14.8% | -15.8% |
| Aug 5, 2025 AMC | $0.25 | $0.36 | +$0.11 (+44.0%) beat | — | -18.7% -19.5 vs SPY | -2.7% | -23.2% | |
| May 6, 2025 AMC | $0.17 | $0.30 | +$0.13 (+76.5%) beat | — | -9.7% -10.1 vs SPY | -16.3% | +4.4% | |
| Feb 11, 2025 AMC | −$0.04 | $0.26 | +$0.30 beat | — | +31.8% +32.1 vs SPY | +23.9% | +23.4% | |
| Nov 7, 2024 AMC | −$0.15 | −$0.06 | +$0.09 (+60.0%) beat | — | +46.0% +45.6 vs SPY | +17.7% | +21.5% | |
| Aug 6, 2024 AMC | −$0.39 | −$0.17 | +$0.22 (+56.4%) beat | — | +39.5% +40.2 vs SPY | +25.7% | +58.5% | |
| May 7, 2024 AMC | −$0.39 | −$0.31 | +$0.08 (+20.5%) beat | — | -5.6% -5.6 vs SPY | -14.6% | +16.8% | |
| Feb 13, 2024 AMC | −$0.14 | −$0.11 | +$0.03 (+21.4%) beat | — | -19.6% -20.5 vs SPY | -10.7% | -25.6% | |
| Nov 7, 2023 AMC | −$0.02 | −$0.05 | −$0.03 miss | — | -27.3% -27.4 vs SPY | -27.6% | -13.5% | |
| Aug 8, 2023 AMC | −$0.07 | $0.06 | +$0.13 beat | — | -34.2% -33.6 vs SPY | -17.3% | -36.0% | |
| May 9, 2023 AMC | −$0.81 | −$0.47 | +$0.34 (+42.0%) beat | — | +34.6% +34.2 vs SPY | +39.4% | +37.5% | |
| Feb 14, 2023 AMC | −$0.47 | −$0.25 | +$0.22 (+46.8%) beat | — | +28.1% +27.8 vs SPY | +9.8% | +10.2% | |
| Nov 8, 2022 AMC | −$0.08 | −$0.24 | −$0.16 miss | — | -10.4% -8.3 vs SPY | -20.2% | +13.7% | |
| Aug 8, 2022 AMC | $0.08 | $0.01 | −$0.07 miss | — | -11.8% -11.4 vs SPY | -12.5% | +2.5% | |
| May 9, 2022 AMC | $0.53 | $0.61 | +$0.08 (+15.1%) beat | — | -56.4% -56.6 vs SPY | -55.9% | -51.0% | |
| Feb 15, 2022 AMC | $0.51 | $0.89 | +$0.38 (+74.5%) beat | — | +35.6% +35.5 vs SPY | +25.7% | +3.0% | |
| Nov 9, 2021 AMC | $0.33 | $0.60 | +$0.27 (+81.8%) beat | — | -18.2% -17.4 vs SPY | -22.6% | -24.8% | |
| Aug 10, 2021 AMC | $0.25 | $0.62 | +$0.37 (>+100%) beat | — | — | — | — | |
| May 11, 2021 AMC | $0.15 | $0.22 | +$0.07 (+46.7%) beat | — | — | — | — | |
| Mar 17, 2021 AMC | $0.02 | $0.07 | +$0.05 beat | — | — | — | — |
BMO = before the open, AMC = after the close. Reaction: the first session that could trade on the report (the same day for BMO, the next session for AMC) against the close before it; "vs SPY" subtracts the S&P 500 over the same session. EPS surprise is in dollars, with the percentage only when the estimate is at least $0.10 (near zero, a small beat would show as hundreds of percent). Revenue surprise needs the estimate from before the report, so it starts with the reports Wallsti saw coming.
Analyst estimates
| Period | EPS | Range | vs year ago | 90-day trend | Revisions 30d | Revenue | vs year ago |
|---|---|---|---|---|---|---|---|
| Current quarter · Sep 30, 2026 | $0.65 (6) | $0.45 – $0.88 | +26% | -3.0% | ▲1 ▼1 | $364.8M | +32% |
| Next quarter · Dec 31, 2026 | $0.74 (6) | $0.66 – $0.89 | +50% | -5.3% | ▲1 ▼1 | $383.2M | +29% |
| Current year · Dec 31, 2026 | $2.30 (8) | $2.04 – $2.50 | +22% | -4.0% | ▲1 ▼2 | $1.4B | +36% |
| Next year · Dec 31, 2027 | $3.48 (9) | $2.40 – $4.51 | +51% | +1.8% | ▲3 ▼0 | $1.9B | +31% |
Consensus as of Oct 4, 2026. Source: Yahoo Finance analyst estimates; schedule and timing also from Nasdaq's earnings calendar.