UPST Stock Analysis: Upstart Holdings, Inc.

Updated Nov 3, 2026, after the Nov 2 close. Nasdaq, Credit Services. Refreshed every trading day from the latest close.

$21.31 -7.43% Nov 2 close

The short answer

As of the Nov 2, 2026 close, QuantivFlow's Trend algo rates UPST EXIT on the short-term (daily) horizon, a stance it has held since Sep 2, 2025 at $69.17. The mid-term (weekly) horizon reads EXIT; the long-term (monthly) horizon has no confirmed signal yet, the stock's monthly history is still too short. The Patterns algo has no active chart pattern on the daily or weekly chart. The daily RSI (14) is 36, and the price sits 15.3% under the 50-day average and 28.3% under the 200-day.

Three algos, three opinions is normal: Trend follows the established direction, Rebound buys sharp dips inside it, Patterns reads the chart shape. Not investment advice.

What Trend meansA trend-following algo. BUY while an uptrend holds on that horizon, EXIT when it breaks. Long only, judged on daily, weekly and monthly candles.
What Rebound meansA dip-buying algo. BUY after a sharp short-term drop in an otherwise healthy stock, EXIT once price closes back above its 12-day average. Short term and Mid term profiles.
What Patterns meansA chart-shape detector. Finds wedges, double tops and bottoms, cup and handle and more, marks the breakout or breakdown and measures the textbook price target. Full method

Trend

rides uptrends, long only
Short term (daily)EXIT
Mid term (weekly)EXIT
Long term (monthly)No signal yet

Daily EXIT since Sep 2, 2025 at $69.17. Weekly EXIT since Oct 10, 2025 at $48.58.

Rebound

buys sharp dips
Short termNo dip signal
Mid termNo dip signal

No dip signal in the last 12 months.

Patterns

chart shapes with targets
Daily and weekly chartsNo active pattern

No active chart pattern on the daily or weekly chart.

Daily indicators at the Nov 2 close

Read from the daily chart. The weekly and monthly readings are in the app.

MomentumValueRead
RSI (14)35.8weak, not yet oversold
MACD / signal-0.53 / -0.51below signal, falling
ADX (14)11.4no clear trend
+DI / -DI17.9 / 28.1sellers lead
ATR (14)1.245.8% of price
Price levelsValuevs price
SMA 2023.65-9.9%
SMA 5025.15-15.3%
SMA 20029.74-28.3%
Bollinger (20, 2)22.17 to 25.13below the lower band
52-week range20.97 to 52.101% of range
Volume12.3M3.3x the 20-day average

How the algos have done on UPST

Closed signals on this stock, from each algo's own history on the horizon named. Past results do not guarantee future results.

Trend, short term (3.0y)
50%win rate
+1.7%avg per trade
6closed trades
Trend, mid term (5.9y) Not enough closed trades on this stock yet (4 so far; 5 needed).
Trend, long term Not enough closed trades on this stock yet (0 so far; 5 needed).
Rebound, short term (2.8y)
50%win rate
-3.3%avg per trade
12closed trades
Rebound, mid term (5.9y) Not enough closed trades on this stock yet (4 so far; 5 needed).
Patterns, all horizons (2y) Not enough measured breaks on this stock yet (0 detected; 5 needed).

Recent signals on UPST

DateAlgoHorizonSignalPriceNote
2025-10-10TrendMid term EXIT 48.58closed the BUY from $68.76 at -29.3%
2025-10-06ReboundShort term EXIT 52.61closed the BUY from Sep 22 at -18.9%
2025-09-22ReboundShort term BUY 64.90
2025-09-16ReboundShort term EXIT 67.17closed the BUY from Sep 3 at +4.2%
2025-09-03ReboundShort term BUY 64.46
2025-09-02TrendShort term EXIT 69.17closed the BUY from $58.01 at +19.2%
2025-08-22ReboundMid term EXIT 68.85closed the BUY from Aug 15 at +7.4%
2025-08-20ReboundShort term EXIT 63.88closed the BUY from Aug 6 at -4.9%
2025-08-15ReboundMid term BUY 64.09
2025-08-08TrendMid term BUY 68.76later closed

The full UPST analysis is in the QuantivFlow app

  • Chart patterns drawn on the chart, with their measured targets
  • RSI, MACD, ADX, moving averages, Bollinger Bands and volume, read for you
  • How each algo has done on UPST: win rate, average gain, every past signal
  • A push notification the day a signal or pattern changes

Free on both stores. Scan the code with your phone, or search "QuantivFlow".

Free on the App Store and Google Play. Not installed? The button takes you to the store.

Questions about UPST

Is UPST in an uptrend right now?

Not by the Trend algo's reading, on any horizon. The daily horizon is EXIT since Sep 2, 2025. The weekly horizon is EXIT since Oct 10, 2025. The monthly horizon has no confirmed signal yet; the stock's monthly history is still too short. Trend is long only: BUY means the uptrend holds on that horizon, EXIT means it broke.

Is UPST oversold?

Close to it. The daily RSI (14) closed at 35.8; the classic oversold line is 30.

Where is UPST's 200-day moving average?

$29.74 at the Nov 2, 2026 close, with the stock at $21.31, 28.3% below it. The 50-day average is $25.15, 15.3% above the price.

Is UPST a buy today?

QuantivFlow does not give advice. It shows what each algo sees: Trend is EXIT on the daily horizon, Rebound has had no dip signal in the last 12 months, Patterns sees no active chart pattern. How you weigh the three depends on your horizon and risk tolerance; past signals do not guarantee future results.

Other financial services stocks

Generated by QuantivFlow after every trading day from the same scan that powers the app. Signals describe what the algos observed on end-of-day data, not what you should do. QuantivFlow is not a broker or an investment adviser. Trading involves risk, including the loss of principal.

Data as of Nov 2, 2026 close. Page updated Nov 3, 2026 17:19 UTC. Machine-readable version: quantivflow.com/stocks/UPST.json