Upstart Holdings’ AI Lending Revolution: Surging Growth, Stock Turmoil, and What’s Next for UPST
Upstart Holdings reported Q3 2025 revenue of $277.1 million, missing estimates, and issued soft Q4 guidance, sending shares down over 6% after hours on Nov 4. Loan originations surged 80% year-over-year to $2.9 billion, while adjusted EPS beat at $0.52. The stock closed at $46.24 on Nov 4 before dropping to the low $40s. Short interest exceeds 35% of float, and Morgan Stanley cut its price target to $45.