Upstart Holdings, Inc.

Stage 4 · Declining · week 13

As of Oct 22, 2026, Upstart Holdings is in Stage 4, the downtrend phase, now in week 13 (since Jul 29, 2026). It closed at $23.85, 54.8% below its 52-week high and below its 200-day average, which is falling.

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. More about the company

$23.85

+1.61% today

$2.3B · Mid cap

Market Neutral — Building

Pro read

Pro

Our read

Declining, below its long-term trend

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S4 19w

S2 26w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S2 3w → S3 9w → S4 5w → S1 1w → S2 10w → S3 1w → S4 19w → S1 6w → S2 26w → S3 10w → S4 7w → S1 5w → S2 9w → S3 4w → S4 13w → S1 3w → S4 13w → S1 10w → S4 12w current

Total tracked: 165 weeks across 19 stage runs.

UPST among Credit Services41st of 53 by relative strength

All 53 →

Stocks in Credit Services ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	ECPGEncore Capital Group Inc	Stage 2 · wk 55	96	+6.2%
2	SEZLSezzle Inc.	Stage 3 · wk 8	93	+30.3%
3	OPRTOportun Financial Corporation	Stage 2 · wk 18	91	+9.8%
4	BFHBread Financial Holdings, Inc.	Stage 3 · wk 2	91	+3.3%
5	EZPWEZCORP, Inc. Class A	Stage 2 · wk 1	91	−2.8%
6	PMTSCPI Card Group Inc.	Stage 2 · wk 25	91	+12.3%
7	ATLCAtlanticus Holdings Corporation	Stage 3 · wk 6	90	+0.6%
8	TROOTROOPS, Inc.	Stage 4 · wk 12	89	+26.8%
…41	UPSTUpstart Holdings, Inc.	Stage 4 · wk 13	21	−2.5%

vs 52W High

-54.8%

$22.74 lo$52.74 hi

54.8% below 52W high, deep Stage 4 damage

In Stage 4, distance from the 52-week high reflects an ongoing decline, not a discount.

Stage Maturity

Week 13

1w13w26w

Week 13, established downtrend

How long this stock has been in Stage 4 decline. The longer the downtrend, the more entrenched the selling pressure. No length of decline marks a bottom on its own.

vs 200 DMA

-22.1%

200 DMA: $30.61 · sloping down

In Stage 4, the stock is below its 200-day average, the hallmark of a downtrend. Stage analysis waits for that to reverse before buying.

Rel Volume

0.73x

vs 50-day avg

High volume on down days in Stage 4 confirms institutional selling. Low-volume bounces are typical. They lack real buyers and are easy to mistake for reversals.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

-2.5%

-11.4%

-27.3%

YTD

-48.0%

-54.5%

Scan Membership

Breakout Watch

Latest: 2024-08-26

4 appearances in last 60 days. First seen: 2021-10-01.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S4

Wk 13 · Vol 0.73x

2026-10-21S4

Wk 12 · Vol 0.56x

2026-10-20S4

Wk 12 · Vol 0.83x

2026-10-19S4

Wk 12 · Vol 0.71x

2026-10-16S4

Wk 12 · Vol 1.00x

2026-10-15S4

Wk 12 · Vol 1.40x

2026-10-14S4

Wk 11 · Vol 1.12x

2026-10-13S4

Wk 11 · Vol 0.69x

2026-10-12S4

Wk 11 · Vol 0.61x

2026-10-09S4

Wk 11 · Vol 0.59x

2026-10-08S4

Wk 11 · Vol 0.93x

2026-10-07S4

Wk 10 · Vol 0.69x

Moving averages & range

50 DMA

$26.07

200 DMA

$30.61

52W High

$52.74

52W Low

$22.74

5D Low

$23.25

Resistance levels (recent highs)

20d High

$24.75

60d High

$31.09

120d High

$35.74

250d High

$52.74

Next resistance

+3.8%

to 20d High

P/E (TTM)

47.7

Forward 6.7

Earnings Growth (YoY)

+211.2%

Revenue +42.3%

ROE

+7.9%

Profit margin +4.7%

Dividend Yield

0.00%

P/B 2.9

Upstart Holdings: quick answers

What stage is Upstart Holdings in?

As of Oct 22, 2026, Upstart Holdings (UPST) is in Stage 4, the downtrend phase. It entered Stage 4 on Jul 29, 2026 and is in week 13. What the four stages mean

Is Upstart Holdings in an uptrend?

No. Upstart Holdings is in a Stage 4 downtrend. It trades 22.1% below its 200-day average, which is falling.

How far is Upstart Holdings from its 52-week high?

Upstart Holdings closed at $23.85 on Oct 22, 2026, 54.8% below its 52-week high of $52.74. Its 52-week low is $22.74.

How has Upstart Holdings performed over the past year?

As of Oct 22, 2026, Upstart Holdings is down 54.5% over the past year and down 48.0% so far in 2026.

Which sector and industry is Upstart Holdings in?

Upstart Holdings is in the Credit Services industry, part of the Financials sector.

About this companyFinancials· Credit Services

Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.