New York, Feb 10, 2026, 11:22 EST — Regular session
- Upstart shares pushed higher before the company’s quarterly numbers, set for release after the U.S. market close.
- Investors look for clues on loan growth, funding, and the state of credit conditions.
- Friday brings the next big hurdle for rate-sensitive stocks: the U.S. inflation report.
Shares of Upstart Holdings (UPST) jumped 5.3% to $40.93 late Tuesday morning, bouncing from the previous close as traders braced for earnings after the bell. The stock climbed as much as $41.62 earlier, last showing a gain of $2.08.
Upstart is gearing up to deliver its fourth-quarter and full-year 2025 results later Tuesday—an event that tends to shake up forecasts for the fintech that partners with lenders. Analysts polled by StockStory anticipate revenue will land near $289 million, with adjusted EPS around 46 cents. The stock has already dropped roughly 15% in the last month. 1
Upstart operates an AI-driven lending marketplace, linking consumers to its network of banks and credit unions. The company’s numbers tend to fluctuate depending on how much capital those partners deploy. Investors are watching closely for updates on loan appetite and credit quality, especially as Upstart branches out from personal loans into products like auto and home-equity. 2
The company plans to release its results once U.S. markets shut on Tuesday, with a conference call set for 4:30 p.m. ET. 3
The action wasn’t limited to just one name. Affirm picked up roughly 6.5%. SoFi Technologies advanced about 2.3%, and LendingClub tacked on around 0.7% as of late morning.
Stocks edged up in early action: SPY gained roughly 0.15%, and QQQ notched a 0.16% lift. DIA, tracking the Dow, advanced about 0.39%.
Macro figures kept traders on their toes. U.S. import prices inched up 0.1% for December, according to Tuesday’s report from the Labor Department, coming amid a messy stretch for economic releases after government shutdown delays scrambled the usual schedule. 4
Up next: inflation. The January consumer price index (CPI) lands Friday, Feb. 13, and it’s a figure known to jolt interest-rate bets—something rate-sensitive lenders watch closely. 5
Upstart’s CEO could be grilled on how the company weathers a downturn. Last quarter, Dave Girouard told investors the firm’s AI platform was “rapidly adapting to evolving macro signals while delivering strong results,” as reported by Benzinga. 6
Still, guidance isn’t always a tailwind. Should funding turn out tighter than expected, or management hints at credit slipping, traders say those wild daily swings in the stock can flip direction in a hurry.
Upstart’s numbers land after Tuesday’s closing bell. Loan volumes, how much funding partners want, and any updates to 2026 goals—those are the key things traders are zeroing in on. The broader market is eyeing Friday’s CPI report as the next catalyst.
