Reddit Posts
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 $35
Who’s ready for UPST to the moon round 2??? Huge increase in call buying today and not to mention someone bought 500k near close
Upstart (UPST) down 30% pre market on missed earnings
RAMP,SIMO,PRCT,KYMR,SDGR,HSAI,ABCL,AAPL,UPST,SE.these 10 stocks represent a diverse range of industries and have the potential to double your investment in 2023. these companies demonstrate strong financials, positive growth trends, and favorable analyst ratings
The rise and fall chart of UPST then and now, chart readers and tech analysts would say room for a drop.
My first options purchase ever just now, and it expires today as well
Opinions on Upstart ($UPST) stock, recent moves, history, and future outlook???
Was there news about the government wanting to stop brokerages from charging consumers for trading (not the exact description)?
This prized $PGY doesn't need lipstick (an amalgamation of the DD's)
Time to build a crap stock portfolio?
Would you believe me if I told you UPST is touching 100 within a week?
I am seriously considering buying UPST calls.
Can anyone help me understand UPST’s and the broader market’s recent streak?
UPST UpStart Making that F U money every day. Lets go! One day closer to telling my boss to go fuck himself
$UPST SHORT SQUEEZE is right there for the taking
Thoughts on UPST? 35% of Float Shorted.
I found the PERFECT stock, and I’m betting everything on it.
Let's tally. What are some stocks that talking heads got very wrong in the past few years? and stocks they will get wrong in near future?
I made a Short Squeeze App, automatically scans and finds next likely squeezes.
Upstart $UPST - Very interesting
UPST, PYPL, or SOFI ,OLB: Which Stock is Wall Street’s Most Compelling Fintech Pick?
Haven't seen much on these 3 in here, why so quiet?
I brought up $UPST last week for everyone!
Y’all still watching CVNA? No dilution and 60-70%
UPST squeezing.. dont miss it guys get into this
UPST is squeezing! Get in while you can don’t be left behind.
Anyone going in this today because of UPST?
AMRS and UPST will report earnings after market close today
UPST one of the best candidates for a squeeze..take a look at the numbers.
Something wrong with UPST what happened?
Enjoying TRKA climbing.. Do not miss UPST train
UPST could go to the moon in the next days.🚀🚀🚀🌕🌕🌕
Is UPST a buy or not🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️🤷♂️
UPST army help keep the pressure on. This can only end one way. It only goes UPST
UPST to the moon?? over 40% short interest, 28 million shares to cover, 300% CTB, Regsho, no float
Two radar picks..anyone else see them?
UPST 41% short interest AI finance company at 13 was at 400. This thing shoots up. 20 before you know it
Ortex data for this week highest shorted stocks.
Hot Stocks: UPST, WIRE jump on earnings news; DVN, AKAM fall
called $UPST squeeze yesterday, now we are bullish on $EVGO spike
Upstart Holdings Q1 guidance comes in soft after Q4 earnings beat (NASDAQ:UPST)
Mentions
Might go in for a UPST short squeeze earnings play
All BNPL. If you aren't investing in people that let you mortgage your quarter pounder, you aren't doing this right. $AFRM, $KLAR, $UPST Now you need debt companies that collect on your bad burger debt. Look at Portfolio Recovery. They are one of the biggest. However, what you are really missing is the banks themselves... the pill farm companies keeping people hooked, and big Media. Finally, stack up on the companies lining up to support unfettered war on companies control across the globe, private detention here in the states, and spacs with political connections.
UPST being a debt making machine can be on there. I called them in 2021 to see what kind of loan I’d get with bad credit (worst credit I’d ever had because I was in college and deferred loans) and they offered me a large sum of money with a 31% interest rate. Tens of thousands… with a 31% interest rate… to buy stocks, which is what I told em. They were cool with it. I passed on it cuz 31% is crazy.
I do have few names that can give returns like Meta in 2026, here are those tickers. SPT (Sprout Social) OS (One stream) KSPI (One of the overseas hidden gem 💎) UPS (we all know about this) UNH (Has more potential to go up) CRM (don’t need explanation here) UPST (I don’t know man, bought at $43 and currently up on it) CAVA (same condition with UPST) PIN (yeah, nah?)
I also did that with TSLA…. and UPST (although I sold at a price higher than now, so that makes me feel better) not making the same mistake with RKLB and PL
Fuck that UPST is up %26:past 30d
I was in one of the groups as well, mostly out of curiosity to see how they work. Got there from a Facebook add. They are operating well and have many people working for them. They also have funds to do things. My best understanding of what was going on was that the organizers of these investment groups had been buying CHOW for 30-50 days before they started to pump it up (from $4/share upwards) - CHOW IPOed some 3 months ago at 4usd/share. They did it slowly so that the price didn't spike as the order book of sellers is thin in small caps. There were many different groups pushing CHOW. One impersonated as IKE Capital LLC but clearly had nothing to do with the actual investment company. There’s virtually zero chance that an actual CEO of a regulated investment adviser would be blasting nonsensical yet plausible sounding stock market analyses in WhatsApp groups. Sometimes dozens of messages per day. There is also zero "quantitative reasons" (which they claimed as bases for their bold analyses) for the market to randomly start rising CHOW 10-30% per day. No investment advisor would ever say that a stock will go up 10-20% per day for 2 weeks. No one can say it unless they are causing it themselves. The volumes during the first 2 days this went on successfully were 15-20x the normal daily volume. The stock is small cap so even few million dollars affects. Organizers of the scam set buying and selling levels to control the price (possible as the market cap is so small) and probably dumped 50-80% of their position on the people from the groups buying. They first got trust with Upstart Holding (UPST). They said it goes up 10% in one day. And lo and behold, it went up exactly 10% on the following day and came down the same 10% the third day. Do you think they predicted one day market potential? No. They literally set up buy and sell levels (having acquired the shares slowly earlier) 0,01usd apart so the price was forced into that exact bracket. I have pictures of this. It is not normal behaviour. The price was exactly the same plus/minus one cent for hours. It seems similar to what happened with ticker OST in June. Similar groups were involved. That one went 10x over two months, but then crashed 96% in one night. This one luckily crashed fast (the longer it goes on, the more people lose). The question about there is not whether the crash will come but when will it come and who will be left holding the bag. It won't be the organisers - they already made tens of millions. At least doubling their total investment. But they do operate on this size level. The buy and sell orders they set up were even millions of shares.
UPST. Bought in early 2022. Been buying ever since. I'll sell when it gets back to early 2022 prices
$UPST $50 minimum weekly calls will Brrr
I bailed on UPST weeks ago. Company is a loser.
I’m not a regular cuck. I’m a regarded cuck. Offloaded UPST at 40 last week after heavy losses. Offloaded UAL at 104 yesterday. FML 🤦 I’ll forever be a poor fuck I swear
Gov injects more money into the market. Inflation goes up. Cash is worthless. People protect themselves in crypto and stocks. Bitcoin goes up. Stocks goes up. Bull market. Gov then realizes inflation is bad. Raises rates. Everything goes down. Bear market. Gay bears happy. I'd say you CAN'T go wrong on whatever you invest at least in December. Go nuts, free money, specially for crypto companies like MSTR, BITF, UPST. Go buy that dip before rates are raised in 2026.
lol I would put it in the next short squeeze UPST with rate cuts coming
This is why UPST is running and could have more upside.
UPST on quite a recovery... sad I didn't add during the dip
Whats the deal with UPST? Was 80 in August and got down to 34 late last week. Now with cut expected in December it's surging again. Seems like a lot of upside there if cuts continue.
im bearish since 14 Oct, how is a bear more calm than bulls? there's going to be consolidation, just ride the relief rally and stop panicking. short interest at all time high (almost 30% more than apr dump btw), the market wont dump until late jan feb. junk tickers like OKLO, MP, RGTI, QBTS, FLNC, ORCL, IBIT need a relief rally to get people to buy in, this will take a few weeks of trading so the next wave of liquidation can begin. so many plebs here do not know how it works, have u seen the exact same mania in 2021? go look at UPST at $400 or AFRM at $170 or HOOD at $50
Did you convert to UPST or keep holding leveraged etf?
Ah nice, ZETA looks interesting, I’ll check it out 👍 I was too tempted, but I wish I hadn’t FOMO’d into a few stocks last month, ah well. I did the same thing back in 2022 with UPST and XYZ. I’ve kept them visible in my portfolio as a reminder not to let myself fall for it again…
Hello everyone, here is my portfolio. Would love to hear your opinions about it. || || |**Stock**|**Exposure %**| |VT|42.24%| |CHDVD (iShares Swiss Dividend ETF)|15.50%| |HIMS|9.34%| |AFRM|3.41%| |META|3.10%| |SE|1.98%| |SWX:ZGLD (Physical Gold ETF)|1.54%| |AMZN|1.39%| |ROKU|1.22%| |MNDY|1.16%| |UPST|0.59%| |IREN|0.30%| |Cash|18.22%|
all the analysts in the ai sector are full of shit i still remember some of these fuckers valued UPST at $500 back in 2021, and look where it is now.
Here's the new bull case: THEY ARE PROFITABLE: The cash-burn story is over. $UPST just printed $31.8M in GAAP Net Income and is guiding for a profitable full year. They are making money. THEY HAVE THE FIREPOWER: They're sitting on \~$490M in cash + $1.2B in loans that management explicitly plans to sell. That's a $1.7B war chest for a company valued around $4B. The ONLY bear case left was the "massive 2026 debt wall." Here's the update: Management already fixed it. They've been repurchasing that debt. The entire remaining 2026 liability is now a tiny $66.6M. It's a non-issue. THE REAL UPSIDE (THE KICKER): With the main debt risk gone and profits coming in, management now has total flexibility. They are still sitting on an authorized $222.1 MILLION share buyback program. The stock is already cheap, but this buyback is now fully available. It's a massive, funded upside catalyst that can be deployed at any time if the price stays this low.
So, what does UPST do?
I’m looking at UPST calls but I’ve been looking at them since September
I don’t know how much exposure UPST also has on this, even if indirect (?), been out of their numbers for quite a while now.
50 year mortgage, OPEN and UPST calls?
You sayin' I should buy UPST now?!?!?!
AFRM is up!? I thought that shit would fall like UPST
My fun money earnings play on MGM paid off. Made 3.3% in the week I held while SPY was -2.2% and QQQ was -3.5%. I also cut my losses (finally) on UPST. Took a -43.5% loss while SPY returned 40.1% and QQQ returned 52.1%. I put the UPST funds into AVDV (increasing my share count by 18%), PRCT (share increase of 13%), and QXO (share increase of 18%).
Its because underneath the relatively small movements in the indices, a lot of the speculative retail darling companies are getting absolutely demolished. Over the past month: * RKLB -20% (since Oct 15) * CRCL -24% * ASTS -25% (since Oct 15) * UPST -25% * SMR -28% (since Oct 15) * OKLO -30% (since Oct 14) * IONQ -31% And that's with a lot of them bouncing hard today
I'll be honest, I really should have shorted UPST a couple months ago...Reason being, these guys are just literal re.tards. I know someone who is older, in horrible financial shape with tons of debt that they couldn't possibly ever pay back. Only upside is that they were paying their minimum payments. They applied for an Upstart loan, and were given like $2000 right away. They basically stopped paying all credit cards / loans a month or two later, which was actually the plan all along. I should have shorted them after seeing how bad their decision making was / is in selecting applicants.
UPST bolls got a wet slapy spanking and a bloody pegging today
Geez what happened to UPST ?
UPST and SMCI calls -99% tomorrow
From my owned/watchlisted that reported today * AXON (22%) * CAVA (5%) * PRCT (2%) * TOST +5% * TREX (16%) * UPST (7%) Brutal
Where’s the UPST yolo guy at???
I should’ve bought UPST puts, no way this goes up
SMCI and UPST puts for me tonight
$UPST in 10 minutes!!
PTLO, UPST, TREX, PRCT, CAVA, TOST, and AXON reporting from my owned/watchlisted companies. The only season I like more than earnings season is winter.
Today $UPST Q3 earnings. Im all in. Fk all
Not very hopeful, sold my position at UPST a couple of months back, but I might be wrong.
fuck this market , Says the guy who bought calls on UPST
UPST, SNAP, HIMS for the big wang plays
$UPST - [https://x.com/tweets4uall/status/1983922927121649709?s=46](https://x.com/tweets4uall/status/1983922927121649709?s=46)
I sold my UPST yesterday with losses of roughly 40%. This stock performed horribly compared with peers. Look at stock price chart over the last 3 or 6 months
Lost 20k on UPST last quarter. You’ll do better
Prepare for the next one, $UPST is gonna have crazy explosion from short interest.
UPST just please move up 😖
UPST × 20 NBIS x 12 ATO x 18
Buying UPST weeklies, better upside than SOFI
Indices up massively yet my individual stocks (like UPST) just endlessly suffer
$UPST 1 week for Q3 earnings 👀
UPST literally dead flat in the last month, don’t think I’ve ever seen that before
$UPST at 34% short interest now approaching earnings. Could be a big squeeze!
biggest laggers of the day $UPST $AMD 🤡
I think SoFi has a lot of optimism around it right now which is driving it's pricepoint well above it's fair market evaluation (high P/E ratio, i've seen anywhere between 50-60 in the past few months), that being said I am more confident in SoFi's business model for growth and feel more secure being a bag holder for the long term potential, but it is very volatile the past few months with prices swinging $5/share either way and is rising again in anticipation of EPS, I wouldn't be surprised to see a sell off/market correction on it if the market turns bearish. I got SoFi about 3-4 years ago due to having my student loans refinanced through them and liking the company, it was negative unrealized gains until this year as I ended up buying at a high point - I could see something like that occurring for someone buying in now if market sentiment cools off on it. UPST i think could be good but also carries a debt to equity over 2.0 which is a bit riskier and I read a little about there being some issues with it approving an abnormally large amount of loans and causing a couple of its partners to be flagged due to this (although I'm not sure what came of it & there's new partnerships as well from recent news). it's net income has been negative for the past 3 years. Although UPST has made significant strides so far in reducing the amount the net income is negative it seems to be trading way way over what it should be with a P/E of -690
#TLDR --- Ticker: UPST Direction: Up Prognosis: Buy shares, this is a long-term structural play. Thesis: Upstart's AI unlocks a massive, untapped market of "credit invisible" people and those trapped in credit card debt that traditional FICO scores ignore. They are creating a new market, not just fighting for a piece of the old one. Key Risk: Their partner banks are rate-sensitive. High interest rates can slow down loan funding even when demand from broke people is high.
$UPST- AI based lending is the future and FICO will be history
I’ll put a vote in for $UPST. They’re objectively bottomed coming into a rate cut cycle as long as the economy doesn’t completely go tits up. An actual solid product that’s better than the status quo and fighting for visibility.
I held UPST for quite some time and eventually sold at a loss due to a $6 drop from my average when holding. Of course after I sold it started rallying. I paperhanded this one the first time and am leary to get back in around the same price point as before
UPST, OPEN, GME, AMC, GPRO, DNUT etc...
UPST is squeezing regards, pile in
My medium term plays are $TOST and $UPST. Both having a good day and week here. By end of the earnings season I expect significant break outs. Strong signal IMO is seeing green on days where the overall market and tech is red, signaling some belief of real business growth and reallocation towards value plays on days where big names are liquidated.
I m yoloing in $UPST
Anyone else scooping some UPST leaps with me?
I bought UPST at 62. AMA
Trade desks are circulating headlines on fraudulent lending and credit concerns related to $ZION and other small regional banks. Our pod is treating it similar to how we traded $SVB and I imagine other shops are as well. I would expect small banks and junk credit to pull equities down into next week and lead in terms of losers and volatility Think $HOOD $SOFI $AFRM $UPST etc. Big banks just announced solid and stable financials last quarter so it should all subside when the funny money is pulled out of meme names.
Is $UPST the next millionaire maker stock I keep seeing all over the net, what do you guys think? I know interest rates need to come down, but when people start buying houses again it looks like this might go off the hook.
Yeah, you'll find just as many stories of people who held thinking there no such thing as an overvalued company and lost quite a bit of money. The saying *"time in the market beats timing the market"* assumes shares of a company that continuously performs well, and is often used in hindsight. UPST more than tripled to $200 in early 2021. Many sold, then it climbed up to nearly $400. About a year later, it was $13. Imagine investing in Blackberry in 2005 at $45 a share, then watching your share go past $100 and thinking "time in the market". It's now $4 a share...
`ZM Call 85 Strike 11/21` `UPST Put 45 Strike 11/21` \*not financial advice
Sitting on some fat UPST calls EOY expiry. Either at rate cut or earnings these will print. Going to pick up LEAPs as well at the next red move.
Well UPST, AFRM, KLAR have all been shit lately so that sector has already been beaten down pretty bad. The big banks can handle themselves just fine.
**Here's some Private Credit porn mate, a PC snff flic:** **Beneath the surface of what’s been a remarkably resilient US economy, a series of small shocks in the world of private credit have combined to rock companies that service the most financially vulnerable Americans.** **Auto lender** [**Ally Financial Inc.**](https://www.bloomberg.com/quote/ALLY:US) **tumbled 13% during a nine-day losing streak. Fintech lenders** [**Upstart Holdings Inc.**](https://www.bloomberg.com/quote/UPST:US) **and** [**Pagaya Technologies Ltd.**](https://www.bloomberg.com/quote/PGY:US) **sank more than 20% in the same span. Digital payments company** [**Affirm Holdings**](https://www.bloomberg.com/quote/AFRM:US) **and lender** [**Bread Financial Holdings Inc.**](https://www.bloomberg.com/quote/BFH:US) **suffered similar fates. Even** [**Capital One Financial Corp.**](https://www.bloomberg.com/quote/COF:US)**, one of the nation’s largest credit card issuers, lost 7%.**
I am keeping an Eye on UPST here
Hello u/DrSeuss1020, do you still see UPST as a good buy?
I still in $UPST for they Guy Who did yolo. Lets go!!
How we feeling about UPST considering the heavy shorting
UPST shiet stock only good for earnings plays
UPST down quite a bit from peak after a good rally from the 20s. Time to get back in?
I remember when powerhouse names like UPST, PTON, and SNAP reached $200-$300 in 2021, we got a long way to go before we call this market, a bubble...