Reddit Posts
UPST? Long time this one is at the bottom.
I have 235k to invest. How should I split it?
The Even More Bear Case for UPST
Why UPST is a Short Opportunity and may see $0.
Why UPST is a Short Opportunity and may see $0.
Banned from pennyStock group, what should i do? Next?
some of my current bullish positions. lets see how it plays out.
Fintech sector still unfairly punished despite broader market back to near all time highs
Undervalued and highly shorted, prime short squeeze candidates
Most shorted Fintech: UPST! Once again!
HOW DO YOU KNOW IF AI IS BEING USED OR NOT ?
You guys see UPST has a 28% Short Interest! 22 million shares, 2 days to cover, WTF
i am holding these stocks, i just bought this week. advice if its good or not portfolio
$HTZ – The Cleanest Short Squeeze Setup of 2025
Diversification is for those who don't know anything
Upstart (UPST) 30% short interest, stock is up 14% in a week from lows on no news, catalysts coming!
Big pre-market moves in the credit scoring space. FICO up big, TransUnion and Equifax down 15%
Doh! I have been so busy with ENSI today I didn’t get round to topping up LUNR, MDAI & UPST!
UPST, heavily shorted, soon hard to borrow!
UPST - Setup starting to look perfect for a squeeze!
JPMorgan upgraded fintech lender Upstart to Overweight, citing improving consumer credit trends and potential rate cuts that could boost demand for unsecured personal loans.
OPFI Crushes Q2 Earnings, Raises Guidance and Wildly Undervalued Poised for 100% move as Economy Slows Down (DD Inside)
Update! Four years later - the OPEN story continues. I hold because the fundamentals are strong.
Almost at $1 MILLION DEGENS, YOLO on Upstart ($UPST)
$PGY – The Smarter, Cheaper, and Possibly Safer Upstart
$UPST 1.5M YOLO, has 25% open interest vs $OPEN at 20%
$RDDT to $6 short of a lifetime into a <$40+ long term swing its an identical match to $UPST IPO pump and dump
UPST 47.5 PUTS -- It looks like MMs held price just below for 3 hours to close...typical?
Me after telling my friends UPST is the next Nvidia
Upstart (UPST) is up for a good start?
How to know, when or if something will squeeze and how long it will take from what I’ve learned the last few years studying them.
Hey Ding Dong, wtf are you waiting for? $UPST go 🚀
UPST finally in an interesting patern.
RILY: Shorts are crowded, someone’s gonna get pounded
$UPST Shortsqueeze potential? 🚀
UPST bad MARA good - when the hedge works!
Straddle on earnings report with LEAPS to avoid IV crush
$UPST What does this company do? $22,000
Highest short interest stocks today $FSR $BYND $UPST $CVNA
Highest short interest stocks today $FSR $BYND $UPST $CVNA
Yolo'd everything I have in UPST 3 weeks ago. 20k gain.
AI would work great on rates inference since it has a perfect data environment $UPST
I gave you UPST yesterday ….up over 20% today !! So hear me out on this next play ….short CAVA and here’s why
I gave u UPST yesterday 🚀, and next play is short CAVA, lockup expiration is Dec 12 , 95 million shares
Gave UPST yesterday🚀 (up13%) , next winner short CAVA lockup expiration is Dec. 12 investors paid $18 now $35
Mentions
$UPST send it my bread depends on it lol
UPST earnings on 11/3
UPST 5.20% up and 30% short. Is it time for it to unwind the short?
All you faggots need to buy BCRX and UPST
$UPST buying a brick ton if it hits $21.50
Can you assholes stop talking about storage and Ai for once? BCRX and UPST ARE ALL THAT MATTER!!!
Ok so just holding my recent calls through this dip in $UPST while the rates normalize to 5%. That is the catalyst that I am holding out for.
$UPST just checking how to use the dollar sign.
I really want UPST to go up cause their fundamentals are strong. My move is to keep by calls that I bought on this DIP
Fuck all of you. Buy UPST!!!!
It’s time for UPST to get recognized as a SS candiate
$UPST — I think the market is still massively underestimating this company I've been digging pretty deeply into Upstart lately, and I keep coming back to the same conclusion: The market is still valuing UPST based on what happened to the company in 2022–2024 rather than what the business is starting to look like today. I'm not saying this is a risk-free investment. It absolutely isn't. But at roughly a $2–2.5B market cap, I think the risk/reward is getting pretty interesting if you believe the current operating trajectory is sustainable. Here's my thinking. 1. The numbers are starting to get ridiculous Q2 2026: Originations: $4.2B, +50% YoY Revenue: $365M, +42% YoY Adjusted EBITDA: $76.9M, +45% YoY Adjusted EBITDA margin: 21% GAAP net income: $16.5M Contribution profit: $193M, an all-t
KLAR TTD IMSR FRVO UPST All at 52 week low or all time low. So many small cap stocks would literally die if the market corrected itself.
BCRX and UPST. It’s time.
UPST is all that matters
UPST UPST UPST UPST. It’s time for it to move. Way too much short interest and growing revenues.
UPST FRVO XE IMSR all at a discount.
where's that retard from yesterday who was shilling UPST? I think he was on to something.
UPST AND BCRX tomorrow you guys.
UPST and BCRX are the only things on earth that matter.
I basically just buy companies that have been chopped down that have consistent growth patterns and endless growth potential. For a new investor I would highly not recommend penny stocks. I'd do a portion into ETFs like VOO and then learn more as you get more money on the side. Im also a small business owner. I basically swing trade a few higher risk stocks and put those profits into my long term holds like ELF CELH UPST CAKE and PYPL.
Fintechs were all the rage in 2021, PYPL and SQ (XYZ) were over $300+, UPST was $400+ then the post COVID sell off happened and they all lost +90% of their value, some +95%, and have never recovered. Many people bought into the selloff on hopes they will bounce back again. But, they never bounced back. Generational bagholders were created, some still around. If you're into a meme stock that's down 50% from all time highs and think it's cheap or on sale and it's just a matter of time for it to snap back to ATHs, just remember you can still lose another 50%-80% from here easily and never see those high prices ever again.
Sold GAME at 3.50 yesterday, sold more today at 3.58 (didn't realize it would go past 3.80, whoever can tell). Will wait for it to drop under 3$(one tickle of the word Trump and Iran does this, like every two weeks). Bought shares of UPST and CELH at 25ish and 26ish. Plan on selling off around 31-34 and 32-35ish. Watching EONR, holding Slowly adding to HYLN after the Navy contract went through (high risk this one), don't have an exit point destination at this time. That's about it right now.
BCRX and UPST are the only things that matter in the world.
BCRX and UPST are the only things that matter in life
PTON, UPST BYND some wild covid era shit
UPST a sleeper, up 8% today
The fact that none of you don’t have a ton of BCRX and UPST is an embarrassment
Anyone look into UPST lately?!? Severely undervalued and heavily shorted.
UPST and BCRX tomorrow!!!!!!!!!!
BCRX and UPST…all that matter
UPST. Not a short term play, but something that will move significantly near EOY and into Q1|27. Reddit loves to shit on this one, rightfully so because of the interview where the investor had no clue what they do.
UPST finally getting some volume gd
Blows my mind how UPST didnt rocket after earnings. 30% shorted and earnings were good
At 9am UPST was +18%....it's going to finish red kmao
How does UPST go from +18% premarket to +3% at open lol
UPST short interest is 30%. It was trading at $35 premarket and is $32 now. I have a strong feeling that it might moon soon.
they’ve been off my watch list for so long i almost forgot about UPST are they on the rise again?
Anyone hit UPST? 👀, feeling parabolic for tomorrow
Get ready to be squeezed on UPST
Calls on UPST. Puts on asking what they do.
Everyone’s talking about AMD and SPCX, but no one realized UPST is pumping to the moon 🚀🚀🚀
Remember the UPST guy? I’m sorry you’re breaking up
This gonna end up like UPST stock
This will end up like UPST
ONDS , UPST....i own these two.
Would you believe me if I told you my UPST calls are still under water
I agree. It’s clear institutions are rotating money out of chip stocks. They do it in a systematic way that creates bag holders who think they’re buying a dip. Seen it so many times. I doubt memory stocks in particular will ever see this level again. Just look at Upstart (UPST) and what happened to it after the fintech craze in late 2021
At one point in 2021, fintechs were all the rage. PYPL and SQ (now XYZ) reached $300, AFRM was $170, even shitcos like UPST was selling at $400. Media outlets were foaming at the mouth for the great future that awaits. Analysts were coming out with upgrades and new PTs every week. The future was all fintech, some even doubted banks and Visa & Mastercard would survive. Most of these companies have lost +90% of their value and have never recovered. This is what awaits some of these overhyped stocks and companies that pumped endlessly on pure hopium last year or two.
Capital is rotating out of crowded AI and crypto trades into two groups that spent years in the wilderness: financial services and biotech. One leg is already confirmed. The other is still setting up. The biotech leg is real. $XBI just broke to fresh 52-week highs, extending a clean uptrend off its December base, with sector M&A running at its best pace since pre-COVID. $TEM is carving a double-bottom and reclaiming key moving averages while the genomics names $ARKG and $GNOM wake up alongside it. This is trend, not hope. The fintech leg is earlier and messier. $AFRM is already pricing in the optimism near analyst targets, while $UPST sits close to 52-week lows in a falling channel. That is a contrarian bottom, not a breakout. Watch the rate path: a higher-for-longer Fed is a headwind for unprofitable lenders
UPST. Bought all the way up. Sold all the way down. Ended up rebuying low and making some back.
At some point in 2021, fintechs were all the rage. PYPL and SQ (now XYZ) reached $300, AFRM was $170, even shitcos like UPST reached $400. Fin media was foaming at the mouth for the great future that awaits. Analysts were coming out with upgrades and new PTs every week. The future was fintech, some even doubted banks and Visa/Mastercard would survive. This is what awaits these sham and endlessly pumped quantum and space companies.
By the same token there have been a lot of multibaggers and many have made crazy R off these tickers. $SPRT, $PROG, $BBBY, $UPST, $TOPS You’re spot on with a lot of these people having gambling addictions. Prob 90% of people in this sub full port their entire net worth into a single stock and join a cult/get consumed by their emotions and adrenaline just to end up holding the bag. Some basic understanding of price action, money mgmt and behavior/psychology can go a long way. Mostly money mgmt At the end of the day the market is a 0 sum game, and making decisions with incomplete info is the game we’re playing. You don’t go all in with pocket 2s and then cry when you bust out. Just dont go all in. No crying in the casino
What stands out to me is that you're putting a lot of weight on the bearish arguments while giving much less attention to the bullish ones. That's perfectly fair if that's your view, but it does make the overall picture feel a bit tilted. Take the de novo bank license, for example. You seem to treat it as highly unlikely, but I don't think that's a foregone conclusion at all. Reasonable people can disagree on the odds. More importantly, if UPST does get a license, the impact could be massive. Lower funding costs aren't some minor detail—they're arguably the single biggest constraint on the business today, and removing that burden could fundamentally change the economics of the company. We've already seen how powerful this can be. SoFi's bank charter didn't just help around the edges—it led to a dramatic improvement in margins and transformed the economics of the business. LendingClub experienced a similarly significant benefit after becoming a bank. These aren't small examples; they're real-world cases showing how much value can be unlocked when a lending platform gains access to lower-cost deposits and funding. That's why I have a hard time viewing UPST's banking ambitions as a desperate Hail Mary. To me, it looks more like the next logical step in the company's evolution, and likely something that has been part of the long-term strategy for years rather than a last-minute attempt to solve current challenges. As for risks, the macro environment is the big one. No argument there. But macro risk is always lurking in the background, whether you're looking at UPST or almost any other lender. Your analysis seems to spend most of its time exploring what happens if everything goes wrong, while spending very little time on what happens if a few things go right. And in investing, both sides of that equation matter.
Run, do not stop!! 4 Pillars of ivesting: Entry - when to buy stock Risk Mg't (protect capital - stop losses)0 Profit taking strategy - don't watch profits evaporate Exit Plan - highest you think stock will go, take $ then reinvest elsewhere Motley Fool - buy hold do not sell no matter what - dividend cut, corp illegal activity, competition instead watch asset like FMC or UPST drop 90% and still issue buys. 5 year graphs - good companies stay good what a crock of crap GE bad then $4500 invest 3 years later $60,000 INTEL 60 - 17 stayed at 20 range now $100+
Your opinion, which you've been posting across different communities, is laid out pretty clearly, but I think it's very debatable. What stands out to me is that you're mostly focusing on the arguments against UPST while either dismissing or ignoring some of the stronger arguments in its favor. That makes the analysis feel somewhat one-sided. For example, you seem to assume that UPST won't get a de novo bank license. Maybe that's right, maybe it's not, but I don't think that's anywhere close to a settled question. And if they do get one, you're significantly underestimating what lower funding costs could do for the business. That's one of their biggest headwinds today. Just look at what happened with SoFi after getting its bank charter, or LendingClub. The improvement in margins was dramatic and completely changed the economics of the business. To me, a banking license looks like the natural next step for UPST and something that has probably been part of the long-term plan for years, not some last-ditch attempt to stay alive. The only serious risk I see here is the macro environment. But that's always on the menu, and your analysis seems to lean heavily toward the worst-case scenario without giving much consideration to the upside case.
What the actual fuck, I went balls deep into UPST based on a different post here about 3 weeks ago, how am I supposed to profit from blind faith with this kind of shit upsetting the apple cart?
You forget the black swan case of the SpaceX IPO drops like a dookie on the NASDAQ, mopping up retail liquidity, then tanking, taking the market and the economy with it. Warsh is forced to cut rates, but layoffs abound, and now people are desperate and turning to UPST as a last ditch play to get liquidity to throw back into 0DTE calls on $SPY. Long 1/26/27 UPST $100C
u/TargetBan made a pro UPST post, I want to know your thoughts.
Basically. I need to recapture some value. How do you see it hitting $50? With the hype on other AI related stocks, moves to defensives, and flows to bonds, where does the capital come from and how? I agree that it appears resilient at this time, but, with the trajectory of the Fed and what appears to be the miscalculation of this administration, reality is going to set in for whoever is holding. Given rising \[supply side\] oil prices and higher CPI, why would it make sense to cut rates? Inflation 2% and full employment is the goal. I mean BLS numbers are showing we're somewhat okay, but inflation is not. I imagine Kevin Warsh (though seemingly an Administration plant) will hike or keep rates the same. If we let inflation runaway, we're in deeper trouble. Just a quick note if you don't use it: the Fedwatch tool is typically precise with what the Fed does as well if you need a resource to determine what happens next. Moving forward, I don't see investors seeing any significant value in UPST frankly to justify a higher stock price. Even if revenue is strong for what they are, it's not satisfactory. What really matters is their bottom line. They'll need to 5x or 10x their bottom line. The insider buying can be wrong too. They've also declared sales recently so it's trivial in my opinion. Unless they are buying swaths of stock, it just looks like they're making an attempt. Just a thought: I think it's interesting when you're in it. However, when I take a 10x zoom out, it's more risky than it is rewarding. Risky as in the variables of success are very hard to control to protect principal while equally capturing signficant gains. For instance, if we compare MU to UPST, MU would be interesting, no?
Something to consider: SoFi had a run last year while UPST was going down.
I bought Tesla in April 2019. It crashed 40% the next week (due to Elon being Elon). So I sold at a loss. The rest is history. Never bought TSLA again except for some swing trading on earnings. PLTR - on IPO day I bought a bunch and sold them on 10% gain the same day. Since then it's been a 1500% missed gain. NVDA - in 2022 when it first split. I had bought a bunch. Their whole market was gaming at the time and I believed that market will lift. But the stock stagnated after the split. I sold. Rest is history. UPST - Upstart IPOed, AI based lending, I bought a whole bunch, sold the same day with 25% gain. It went on to be 20x of what I sold at in the next year. Then interest rates got raised and it crashed back again. I have mixed feelings there. I've lost more money by showing conviction and poor risk management on ODTE options. I could've made more by showing conviction on my stock picks and just holding them.
Yea I’m in UPST. Been a ride.
do you guys remember the AI losers of 2021, like UPST? why is shit like UPST not pumping along with other AI?
The bank charter is UPST's last hope. If not, UPST is a money loser.
ONDS, OPEN and UPST are touching me inappropriately. I deserved OPEN tbh.
UPST with the come back 🙏
UPST I picked a long time ago, a small position maybe 25k at around 25$. My thesis was that credit score is an archaic way of figuring out who is trustworthy with credit, for sure AI will be more precise if you feed it quality data about the individual or the borrower. It crushed hard after financial conditions tightened after COVID, but financial conditions will eventually improve. At its core, it's a good business model and the current valuation is cheap if you look at forward P/E, PEG ratio and other metrics. I doubled down and increased my position a lot when the CEO purchased over 1 million $ worth of shares at 27.50$, and I had the opportunity to buy at the same price as him (even slightly cheaper). For NOW, I was looking for good opportunities after exiting my NVDA/AMD position. I saw that software stocks were beaten and did some research on which was the best opition, more attractive in terms of valuation and with the most growth potential. It seemed like NOW was the best bet that was also safe with minimal downside risk considering how much it had dropped. PEG ratio was under 1, forward PE at 14, good growth, healthy growing business and CEO bought 3 million worth of shares at 104.60$ and was talking about how it would become a trillion company. I saw NVDA ceo talk about servicenow and how it was an integral part of the AI ecosystem. I had the opportunity to buy cheaper than the CEO at 99$. I suspect this will get to 200$ in 1-2 years max, probably sooner. It will be revealed that AI is not replacing the company, but rather the opposite, that the company is necessary to the AI ecosystem. It will regain it's premium valuation of 40x rather than the 14x that it was priced at. Anyways, I could be wrong but I'm ready to exit at any point is things point in the other direction
What made you pick UPST and NOW, what thesis?
I would say this week, it has been NOW and UPST for me. [Very crazy week, +137k in 5 days](https://imgur.com/a/FKVj4H9), probably best week ever or close. I sold all my NVDA and AMD shares, AMD at a bad time and bought ServiceNow, doubled down on a previous position in UPST and then the rest diversified in smaller positions, mostly high risk high reward but acts as a diversification as well. [My current portfolio](https://imgur.com/a/rjF881m)
UPST calls could keep printing
Took my 90% on UPST thank you very much 🤝
$UPST and $LAES easiest plays this week
Been spreading things around a bit with 100 share purchases of relatively risky ideas in hopes they will bounce up a bit soon. Selling some covered calls on said positions too, things like CMPS, PATH & UPST. Why those? People on here had thesis on them I found pretty sound. Oh, also loaded up on VRRM because I feel like that company was brutalized for losing a major client and think they will regain at least $4 a share in the next few months.
That crazy regard who posted about UPST ain’t too shabby after all. Good job, nerd.
UPST lookin good baby push us to 40 :D
Find new opportunities. You can't ever get over missed opportunities. 2 years ago I sold NVDA at 40$ after over 100% gain in a year because it flat lined for a few months and I got impatient, a 1.5 million$ mistake. Early May this year I sold AMD pre-earnings because it had risen a lot, cost me over 200k in missed gains, but I bought other stocks that rose as well by 100k like NOW and UPST, for example. In the end it's still 100k less.
$PLUG is at \~$4 if they do everything right they can probably get back to $32, so not quite 10x, their margins are finally actually doing what they said theyd do when the stock rose to $30 initially. $OPEN, at $5 currently, if they do everything right, they can probably get up to $80, on road to profitibility. $UPST currently at $30, low interest rates hit again they can go back to $300, current market cap honestly makes no sense though and could 2-3x in the short term. Obviously wouldnt bet the farm on them, but they are the only 3 stocks in my portfolio that I actually do believe can 10x.
ASTS NOK AND UPST are all killing it on my paper port.
Ding ding ding! I went balls deep into UPST, thinking it would be the future of credit scores, without truly thinking about how much their service is really worth. Then around November/December 2021 when the bubble began to deflate, I kept buying the dip, and then when I was out of cash, I loaded up on more shares with margin. Then for the next few months I had to pour all my free cash into paying off the margin while UPST continued to sink. I fought the fed :(
At some point in 2021, fintechs were all the rage. PYPL and SQ (now XYZ) reqched $300, AFRM was $170, even shitcos like UPST reached $400. Fin media was foaming at the mouth for the great future that awaits. Analysts were coming out with upgrades and new PTs every week. The future was fintech, some even doubted banks and Visa/Mastercard would survive. This what awaits these sham and endlessly pumped quantum and space companies.
**I was foolish enough to follow the advice of a group thread, bought 50 penny stocks, and I'm now down $15K. I don't urgently need the money, so I'm holding for now — but any suggestions would be greatly appreciated.** **Current positions:** * KULR — down 37% (bought at $6.13) * BBAI — down 18% (bought at $5.17) * NWTG — down 60% (bought at $2.37) * UPST — down 38% (bought at $47.15) * RVSN — down 72% (bought at $18.61) * BLBX — down 39% (bought at $4.68) * ICON — down 92% (bought at $18.47) — badly hurt by multiple reverse splits * GWAV — down 63.5% (bought at $9.72) * GCTK — down 94.6% (bought at $8.20) **I have more positions not listed here. Looking for honest, experienced advice on what to do from here.**
Each year had a hallmark loss. 2022 was the collapse of UPST for me
have you ever seen a stock where the product has such great reviews and love from customers but the stock price totally sucks? Yes, that stock is UPST folks.