UPST

User_Simulator

**Ban Bet Created:** **/u/putssy** bet **UPST** goes from **465.51** to **476.0** before **2022-01-18 16:52:58.394797-05:00** > Himx for sure. ~ visualmod ----- [^^Info](https://github.com/trambelus/UserSim) ^^| [^^Subreddit](/r/User_Simulator)

Duplicitous2

EPS and revenue have been strong the last few quarters, but it's in freefall. Fintechs aren't looking so hot the last 60 days or so (see UPST and SQ). I think the type of non traditional lending that upstart does has a future, but you have to consider the clientele. These are very high risk loans to begin with and as the rates increase so does the default risk. The OP asked about puts and I wouldn't buy a put on a stock I wasn't comfortable owning/wheeling. For me to be comfortable with selling puts on upstart the strike would have to be in the neighborhood of $50. When I talk about lenders who stand to profit from rises rates I would look more for SBA lenders. Their default risk rises with rates as well but it's safer than lending to random. I'm far from an expert though so do your own DD before you invest.

Shot_Butterscotch_15

What do you think about UPST?

Wolfofmillenials

UPST <————- DO IT

User_Simulator

**Ban Bet Created:** **/u/putssy** bet **UPST** goes from **465.51** to **476.0** before **2022-01-18 16:52:58.394797-05:00** > Himx for sure. ~ visualmod ----- [^^Info](https://github.com/trambelus/UserSim) ^^| [^^Subreddit](/r/User_Simulator)

Wolfofmillenials

Stay away from all of those and buy UPST instead.

blowathighdoh

Upvoting you because I hold UPST but I don’t think this guy should be buying any highly volatile stocks if he’s looking to retire right away

Penitent-

Take a long look at UPST.. that stock alone could triple your retirement. Not to put all your eggs in one basket, but I invite you to study their business. I believe it is the next $1,000.00 stock within 5 years.

User_Simulator

**Ban Bet Created:** **/u/putssy** bet **UPST** goes from **465.51** to **476.0** before **2022-01-18 16:52:58.394797-05:00** > Himx for sure. ~ VisualMod ----- [^^Info](https://github.com/trambelus/UserSim) ^^| [^^Subreddit](/r/User_Simulator)

SweetEmbraceableYou

UPST is very profitable. Don't know about the rest.

putssy

UPST at $230 currently…

JPowsmagicwand

I mean yeah, momentum is everything in this market because of algo-based trading. A stock goes up 10% and every retail trader, and even institutional trader has been formed to believe that there has to be some retracement, some profit-taking, some reversion to the mean, but no. Algos pick this up as a buy signal, and it starts running, building a trend of its own. FOMO has effectively become a successful trading strategy because it takes advantage of the volatility on the way up that algos and high options trading enables, ie gamma squeezes and such. Same for going down. Once the ''trend'', which is always somewhat of a fiction, is broken, then we go down, and down, and down. Look at UPST, look at NFLX, look at BABA for christ's sake. Unreal. It's literally just buying the dip until that fails, then short the rip until that fails. Any type of contrarian approach based on fundamentals is doomed to fail in the short term.

Penitent-

UPST.. they will change the modern banking is able to give credit. AI is the future. They are absolutely exploding in growth. Right now the SP is a steal.

Flat-Vanilla-7237

$UPST - the highest expected revenue growth rate amongst all my holdings.

Level-Literature-856

NVDA .. AMD .. ONTO .. PLAB .. PL .. TLSA .. ABNB .. UPST .. CFLT .. MOLN .. All these are holding very well .. Don't know if Boeing is considered growth but it's going to run like growth for a while .. MOLN is just making a meme run at this point .. I'm shocked how long it's run ..

OracleOfWallStreet

Buy $U $SOFI $UPST $CRWD $DOCN $DKNG $STNE $HIMX $PLTR $RBLX Thats my advice.

spac-master

-70% Premium favorite Growth stocks with fast reversal on my watch list, I think another week of down turn before reversal SOFI - AFRM - UPST - SQ - MTTR FTCH - GLBE - ROKU - PLTR - OPEN

RemarkableScarcity8

So calls on UPST?

Moostucky_Stank

I like long CFLT calls. Jan ‘23 and ‘24. I’m not a nail biting retard doing daily or many short term options. I’ll play SPY for fun here and there. I also like UPST long calls after the huge drop they had.

creemeeseason

If UPST holds it's $85 support it's interesting. $50 support and I'm in!

JeannValjean

Plot twist: The UPST loan was so OP could buy UPST at $400.

VisualMod

**Ban Bet Created:** **/u/putssy** bet **UPST** goes from **112.0** to **300.0** before **2022-03-11 17:13:47.851611-05:00**

putssy

!banbet UPST 300 8w

putssy

!banbet UPST 200 12w

SnooCakes3627

Same for UPST

Georgia34-

Guys what about UPST?

Spiritual_Extreme_81

It’s just money dude get an UPST loan and Yolo they’re going under anyways

suyashk8

Anyone thoughts on RBLX or UPST?

jrex035

I def got in UPST too early but I've just been dcaing. The biggest problem is that I've bought many times on the way down, when I should've waited for the downtrend to stabilize before jumping back in. Oh well lessons learned. Plus in the end I still think it's a good investment that will pay off in the end

hookisacrankycrook

Eyeing SQ and UPST man hard to be patient

SwoopWoopity

UPST would like a word.

Horror-Base6942

Funny to see which of my commonly traded stocks are resisting the drop and what's tanking. SPY, AMZN, GOOG dropping, SHOP, TSLA, UPST, NVDA resisting. Really surprised SHOP isn't tanking, it loves to drop big.

jrex035

I'm super bullish on UPST but this downtrend has been absolutely brutal. Everytime it seems like it's found a floor it busts through it again

SirGasleak

PATH and UPST are both on my watch list but PATH in particular is still overpriced (P/S of 24). UPST is at a much more reasonable valuation (P/S of 14) but hasn't shown signs of settling yet. I'd love to get it in the $80-$90 range.

Horror-Base6942

ever open up your securities alerts and see some old shit that makes you go wtf? I wonder when I put an alert in for UPST to go above 198 and 200

JamesR0berts

Just took positions in three AI/automation growth stocks that are down massively from ATHs: TSP PATH UPST (Nb. This is the higher risk portion of my portfolio!)

willyourather

Downvoter woke up, what a loser. I’m pretty sure I got COVID, waiting for the pcr result from yesterday. Should have let UPST puts run since I feel like crap now.

spac-master

Some fintech Growth stocks actually could make more money from razing interest rates SOFI - AFRM - UPST - SQ

_hairyberry_

UPST retard here for my participation medal 🏅

jbforte

Most of these tech or “Covid” stocks have done this. Look at ZM and UPST or DKNG and PENN. My theory is many stocks that retail and institutions jumped into during these two Covid years went crazy due to the rise of retail trading from home and due to the amount of money that Covid, FED money printer, and unemployment increases gave out. Lots of bubbles are now bursting. I like HubSpot a lot as the software but could see this falling more. Ask yourself would you buy more ? If not, maybe sell or cut half and use the money in a safer investment. Or get an advisor and invest in mutual funds and earn money vs loosing on single volatile stocks. Gl man

OwenLincolnFratter

UPST crashed right after motley fool recommended it.

heatnation7

Same but markets can stay irrational longer than you can stay solvent. I’m kicking myself for not buying puts on UPST when it was $300-$400. Could of retired by now.

tinyraccoon

Yeah, the classic blowoff top chart though UPST is much nastier it seems

Dyert

This chart looks a lot like $UPST over the past 6 months

Spiritual_Extreme_81

Ive said it many times: Look at the UPST 1year chart…..The parábola and implosion back to reality…. That’s what’s going to happen to everything

hookisacrankycrook

Look at UPST. Now at 109 with ATH of 400+. Ouch.

zg44

If MSFT, GOOG, AAPL, NVDA, TSLA give back 2020 gains like NET, AFRM, UPST and the rest of the high growth bubble did... we're looking at a disastrous year. Gotta hope big money doesn't panic sell mega caps or this is going to turn into 2000-2002.

zg44

Growth stocks bubble has completely imploded: NET, AFRM, UPST all shredded the past few weeks and those were some of the most high flying names last year.

4SquareCircles

Made up my stupid ass SPY fds with BILI, QQQ, and UPST puts

willyourather

Thought I sold UPST puts at the bottom of the ocean, it’s heading to $100 at this rate

_hiddenscout

It's got good growth, but my theory is that the market doesn't understand NET and people keep calling the next AWS and what not. They also get pumped as a cyber security company. They do aspects of those things, but at the heart of it, they are a CDN network. Go look at some their competitors, like AKAM to get an idea of what a mature company looks like in the sector. Not saying NET is bad, but NET feels like UPST, where a lot of the street were pumping them and not even sure what they do. There's like that CNBC interview where the guy had no idea what UPST does but was talking about buying it.

ShickyMicky

UPST so cheap. Going back to at least 250 EOY.

Puzzleheaded_Bug_964

Is all of your available buying power invested in LGVN? I won’t tell you to sell your position, nor to hold on to it. MCHP is a semiconductor manufacturer that has consistent growth and offers a dividend. UPST has a 3x upside potential.. I dunno lol. If you have Twitter Follow Lana the investor, Tara Bull, Adam silver trade mark kohrs etc… for good daily plays, advice etc. I mean you could always buy into TSLA. I started out with a 2500 investment. Good luck and I am sure you will make it back plus a bunch!

End-Game-1999

The irony: A while back I bought a number of really "solid" stocks (PYPL, TWTR, SNAP, PINS,...) as hedges for the unpredictable ones I got (UPST, SKLZ, XELA, IDEX,...). Lololol

willyourather

Sold UPST puts at the top, great job RH!

nobodyoptimal

I hate UPST with every fiber of my being

diamondlips69

How much further does UPST have to fall? Glad i picked up some Bynd calls at least.

TheGoodSurgeon

UPST has been a huge disappointment 😒

milanello09

Instead of yolo, you have enough to slowly build back up. But considering you want to be aggressive, I thin the best strategy is to sell cash secured puts on a high beta position (or multiple high beta positions). You’d have to find 1, or more stocks that sum up to $170. Example, UPST ($118) + APPS ($53), totals $175 Sell puts on both UPST and APPS about 2 weeks out. You get assigned, you turn around and sell calls. Why? You continue to generate premium regardless of situation and if all fails you at least have assets that will eventually appreciate.

RemarkableScarcity8

UPST 400 by March?

axdvgn123

Tell that to UPST

ShickyMicky

Loving that UPST boner.

willyourather

Go to crappy land, UPST

BatOuttaHell1

Sell and get into something else that's beat down that could come back like UPST or something. lcid already had a great run just this year up 10%

jrex035

LMND has a marketcap of $2b but is likely to bring in just $80m in revenue, while losing $130m in the process. Its net income is close to negative 200% lol. It's revenue isn't even growing that fast, up around 15% yoy. UPST has a marketcap of $10b but will bring in somewhere around $800m this year, which is up more than 100% yoy. They're also profitable, and will make around $100m on their revenue. In fact revenue is growing rapidly, up more than 1000% yoy.

Jumpy-Imagination-81

It is easier for a smaller company to double or triple than a megacap company to double or triple. It will be easier for UPST market cap $9.3 billion to triple than for AAPL market cap $2,800 billion to triple. So if you have a smaller amount to invest you can be fully invested in those small to medium companies that have the most potential to multi-bag. But there are only so many of those companies. Not every small company is going to explode. Probably most won't. If you have a huge amount of money to invest you can buy only so many shares of those select faster growing companies. You can't buy 100% of the shares of all of those companies. Then what? What will you do with the rest of your capital? You will have to buy shares of less stellar performers, and that dilutes your return. The more capital you have to invest the more you have to spread it out over lesser performers. And the less a percentage of the portfolio those superstar performers becomes, reducing their impact. Even if the stock doubles or triples, if it is only 1% of the huge portfolio it won't have much impact.

willyourather

Bought UPST puts at close, I just can’t stay away from that poo

SweetEmbraceableYou

That's ridiculous... UPST

WatchingyouNyouNyou

Thanks for the Benjamin if you happened to have bought $UPST 90P this week

IndependentSwimmer67

Maybe try looking at the bigger picture and you’ll realize this boomer and non-boomer is a shit concept. You think it might help you in looking cool but in reality it is causing you missed opportunity. The only thing that matters in stock market is % gain. Whether it is from a 50 years old company or a new so called “cool” company - it doesn’t matter at all. When you have some free time, try checking what % gain you would have had on PFE/BRK etc. leaps vs what % gain you would have had on lets say UPST leaps. You will realize where more money could have been made. Low IV, sometimes dividend, limited downside - these all are some of the pros of investing in boomer stock. P.S. Not a boomer at all but like to make money on any stock that looks promising.

kevco13

50k in IIPR and 50k in UPST.

squirrelsoundsfunny

I believe UPST has a ways to go before it reaches the bottom. There’s a nice gap down to $65. Gaps fill 90% of the time. I’d like to own it but I will miss out if it doesn’t go below $70.

jrex035

I know its been beaten up a lot recently but I'm really excited about UPST. Their AI driven lending model seems very successful and they've been adding new partners left and right. If they can successfully break into the autoloan market (which they've started doing by acquiring Prodigy) they have the potential for even more explosive growth. Other than that I'm excited about RKLB too long term as space is truly the next frontier and Rocket Lab is the next best thing to SpaceX

Gavin69Collina

Thoughts on UPST? Ever getting back to 300+?

suyashk8

I just put money into RBLX around $83 and UPST around $119. I am putting money in a lot of growth stocks but now I'm starting to get skeptical about RBLX valutaion. I know they have $1.8 in deferred revenue and strong postivive cash flows but their current valutaion is definitely a little high. I am thinking the long term aspect of this business can definitely make some good money. Anyone have thoughts on RBLX or even UPST?

housestark-69

Not sure what to make of it. Some growth stocks are up near 10% like MELI…around 5% and more for others like SE, DOCU, TDOC, UPST, Affirm, OKTA, Lucid among others. At the same time other growth stocks like SNOW and TEAM are flat. I say this because I’m used to all growth stocks going up at the same time so I wonder what the discrepancy is being caused by. Are shorts covering some of their positions or are we finally getting buys into oversold stocks?

stockerjocker

NET UPST dead cat bounce or tradable bottom?

piggymou

compare to $UPST (i haven't done the comparison)

jrex035

No I'm sure they can't. Seems like a made up number. There's a decent chance UPST goes under 100, but down to 60-70? I doubt it. If it does though I'll buy a boatload. That's a great discount

BulletPlease

Fintech is definitely in a correction. Wondering if it will bounce hard like 2021 markets have or if it will be a slow grind up. UPST, AFRM, PYPL, SQ etc are way oversold. Potentially looking at 3-6 month 5-10% OTM call options on stocks above. Anyone have any thoughts on this? Obviously no one can perfectly time the bottom, but I have a hunch we are almost there.

HungDiepTran

The bubble is definitely not in small cap tech stock. The bubble already popped, but slowly bursting. UPST down what 75%??? HOOD, PLTR, SOFI, etc.

CoffeePorters

Haha gotcha. In that case, not a small cap, but I think UPST ($10B) will be huge. We use FICO scores for everything, and they do it better. PSTG, also not a small cap, develops flash storage for cloud data centers. I'd put some money those electronic currencies that are banned on here too.

RemarkableScarcity8

UPST will be above 200 by next week 🤷‍♀️

DentistCrentist16

Holy shit UPST hit 108 today??? Down 75% from highs like 3 months ago?? Anyway buy UPST earnings in March and even though that dude doesn’t know what they do they freaking kill expectations.

RemarkableScarcity8

UPST up after hours

iyervikas81

hope i didnt commit a big sin by fomoing into AMZN and UPST calls into close. was busy printing TSLA calls and ignored AMZN allday only to fomo 5 mins before close 😑