Recently, Zacks.com users have been paying close attention to Upstart (UPST). This makes it worthwhile to examine what the stock has in store.
Upstart posted stellar revenue growth and positive net income in 2025, driven by a surge in loan originations. The company's financial performance has been highly cyclical in the past, making this a risky investment opportunity.
In the closing of the recent trading day, Upstart Holdings, Inc. (UPST) stood at $27.47, denoting a -2.45% move from the preceding trading day.
Upstart Holdings plans to apply for a national bank charter, signaling a pivotal shift in its business model. The charter aims to reduce regulatory friction and operational costs, potentially boosting adjusted EBITDA by nearly 50% if origination fees are eliminated. UPST already trades at low valuation multiples (13x forward P/E, 3.6x EV/sales), so charter approval could drive multiple expansion rather than contraction.
UPST plans to apply for a national bank charter to form Upstart Bank, aiming to cut costs, access deposit funding and streamline lending under a federal framework.
Digital lender Upstart has become the latest U.S. FinTech seeking a banking charter. The company announced Tuesday (March 10) that it had applied to federal banking regulators the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) to establish an insured national bank.
Upstart (UPST) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Upstart Holdings, Inc. (UPST) Presents at Morgan Stanley Technology, Media & Telecom Conference 2026 Transcript
Zacks.com users have recently been watching Upstart (UPST) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.
Upstart's Technology Has Taken The Next Step (Rating Upgrade)
Upstart Holdings (NASDAQ: UPST) has dropped 19.77% over the past week, falling from $38.24 to $30.68 as of February 13.
Upstart delivered a decent Q4, beating estimates with a record $3.2B transaction volume and 35% year-over-year revenue growth. UPST is poised to benefit from expected 2026 federal fund rate cuts, supporting further origination and revenue acceleration. The bullish investment thesis is reinforced by strong revenue guidance for FY 2026.