My mom wants to use Upstart for a loan but is worried about it. Can other people who have used Upstart loans tell me if you ran into any problems or anything?

I keep reading the investor material and the model numbers, but I have never gone through the product as a borrower. From the outside the pitch is that approvals feel instant and the rate is set by more than a credit score, and that is hard to judge from a slide.

If you have used it, how did the process feel compared to a bank. Did the rate land where you expected and did the whole thing feel like software or like a lender. Seems like the kind of detail that says more than a chart does.

Every earnings call ends up circling back to funding costs and the rate path, which is fair, but the thing that keeps me interested is the approval model itself. When volume recovers it should be because they can price risk where banks cannot, not only because money got cheaper.

So how are you all weighting it. Is the rate side the whole thesis for you right now, or is it secondary to what the model does with the loans it does write. Curious where most people here actually land on that.

February 19, 2026

SAN MATEO, Calif.--(BUSINESS WIRE)--Feb. 19, 2026-- Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced that it purchased $100 million of common stock over the last four trading days.

Upstart purchased a total of 3,193,294 shares of common stock at an average price of $31.31 per share between February 12, 2026 and February 18, 2026. These shares were repurchased in open market transactions pursuant to a $400 million share repurchase program previously authorized by the Upstart Board of Directors. After these repurchases, there is $122 million remaining under the program.

About Upstart

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California.

SAN MATEO, Calif.--(BUSINESS WIRE)--Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced the previous sale of a $333 million aggregate portfolio of Upstart Auto assets to affiliates of Bayview Asset Management, LLC.

“Upstart is a strong strategic fit with Bayview’s focus on disciplined capital deployment in the auto lending market,” said Carlos Prevolis, Managing Director at Bayview. “We’ve been impressed by Upstart’s growth and leadership in auto lending and look forward to continuing to strengthen our partnership.”

The auto portfolio sale is the first major transaction between Upstart and Bayview. It demonstrates growing interest in Upstart’s scaling auto platforms as well as strategic funding to optimize balance sheet usage for its newer products.

“Our exciting partnership with Bayview, who has both experience and scale in auto, validates our retail and refinance products momentum and comes at the perfect time as we continue expanding our auto business,” said Sanjay Datta, President and Chief Capital Officer at Upstart. “We look forward to continuing and growing our partnership with the team at Bayview.”

About Upstart

Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California.

About Bayview Asset Management, LLC

Bayview is a global alternative investment firm that provides flexible capital solutions while seeking to produce attractive risk-adjusted returns for its clients. Bayview’s investment platform benefits from connectivity to Bayview’s affiliated origination and servicing businesses, which provide market insights, data and analytics, and differentiated sourcing capabilities, allowing Bayview to invest through market cycles across the credit landscape. Bayview invests with a focus on residential, consumer, and commercial credit, including whole loans, credit risk transfer transactions, structured products, and mortgage servicing rights. Bayview had approximately $39 billion in assets under management as of December 31, 2025, with affiliates across North America and Europe.

San Mateo, Calif., February 17, 2026 — Upstart (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced Cash Line, a breakthrough revolving line of credit that gives consumers ongoing access to money as needed.

Cash Line leapfrogs the unreliable and often predatory short-term options currently available. While traditional cash advance apps promise high limits, they often approve consumers for far less, layer on hidden fees, and provide unpredictable access, leaving millions of Americans without affordable options when they need it most. Cash Line breaks this cycle by offering:

• Guaranteed minimum of $200 for all approved consumers, the highest in the industry
• Up to $5,000 revolving line – more than 5X leading competitors
• Always-on – approved lines are never reduced (provided program requirements are met)
• Instant access – no extra fees for expedited access
• Customized repayment options – industry-first features like ‘Rest Mode’ put consumers in control
• Simple, transparent pricing:
  • $10 monthly membership for lines up to $500
  • Plus a low APR (5 to 36%) for draws beyond $500

Starting today, consumers can join the waitlist for early access to Cash Line’s beta before it’s widely available with all features later in 2026. To learn more, visit upstart.com/cash-line-waitlist.

About Upstart
Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California.

Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the federal securities laws, including statements regarding the expected features, functionality, pricing, and benefits of Cash Line; the guaranteed minimum and maximum credit amounts, availability, and applicable terms; and the timing and scope of Cash Line’s beta and broader rollout. You can identify forward-looking statements by the fact that they do not relate strictly to historical or current facts. Forward-looking statements are based on our current expectations and are subject to risks and uncertainties that could cause actual results to diff r materially. We undertake no obligation to update or revise any forward-looking statement as a result of new information, future events or otherwise, except as otherwise required by law. Information about additional risks and uncertainties relating to these forward-looking statements are included in our public filings with the Securities and Exchange Commission (the “SEC”), copies of which may be obtained by visiting our investor relations website or the SEC’s.

Upstart is not the lender for this product. All loans on Upstart’s marketplace are made by regulated financial institutions.

‘Upstart grew originations 86% in 2025, flipped to profitability, crushed the balance sheet concern, and just handed the keys to co-founder Paul Gu. The stock dropped 25%. Here's why the fundamentals have never been stronger — and why the selloff might be creating a massive asymmetric opportunity.’

Read more… https://www.rebellionaire.com/post/upstart-q4-2025-earnings-review

SAN MATEO, Calif.--(BUSINESS WIRE)--Feb. 10, 2026-- Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced the launch of a new public-facing webpage providing monthly origination metrics. The page is available on Upstart’s Investor Relations website at upstart.com/volume and will be updated on a monthly basis.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20260210671411/en/

“The opportunity to radically transform access to credit with AI is unimaginably large and we want to offer the world a courtside seat as this future unfolds,” Upstart Co-Founder and CEO Dave Girouard said. “With this disclosure upgrade, investors can easily monitor our near term dynamics while keeping their eye on the longer term opportunity with Upstart.”

Upstart intends to publish the prior month’s transaction volume on the third day of each month. This disclosure will provide valuable insight into how originations are trending on the Upstart platform. This level of detail for each month, when coupled with yearly guidance, helps provide unprecedented transparency to the market about the company’s business.

I feel Upstart’s price reduction along with other software companies is ridiculous and a good buying opportunity for the following reasons:

1. AI can generate a software but it cannot build an ecosystem. Upstart has a lot of banking partners and in financial world, trust is important than anything else. Also, the incumbent software needs data to train their model. Upstart is already ahead in the game. Upstart is also expanding in other lending segments which gives it a larger target market.

2. Regional banking stocks are up and upstart’s business is directly correlated with these banks’ businesses.

3. Upstart is a leader in data driven lending business. The evolution of AI will be a tailwind for these leaders, not headwind.

4. Upstart projected CAGR of 35% yoy for next 3 years and with the current EBITDA numbers, the valuation looks cheap. Also, it is a high fixed cost business. If revenue keeps growing, its EBITDA will grow faster.

5. Interest rates are lower, job market is strong and UMI is going down.

Please share your thoughts.

December UMI is 1.39. A 10 basis point reduction compared to November.

In the latest u/Rebellionaire UTPI update, Henry touches on the recent Tech CU partnership, his "wrong" answer, UMI, and why he believes UpstartIQ points towards $UPST posting > $300M in Q425 revenue.

Thanks as always Henry 🫶

Will Upstart squeeze tomorrow or in the next week? Seems like something is brewing!

Today's moves shows that upstart is holding for a strength uptick with the bearish market today upstart resisted the downside pressure and with the Fed meeting upcoming the market will be slightly bullish to recover some of today's loses which gives UPST the room it needs to 🚀. When fear is high, buy. Good luck guys TO THE MOON 🫡

https://www.sec.gov/Archives/edgar/data/1647639/000183281225000003/0001832812-25-000003-index.htm

The shorts are just staring at the Q4 guidance miss and the "confusing" AI story. They're missing the real setup.

Here's the new bull case:

THEY ARE PROFITABLE: The cash-burn story is over. $UPST just printed $31.8M in GAAP Net Income and is guiding for a profitable full year. They are making money.

THEY HAVE THE FIREPOWER: They're sitting on ~$490M in cash + $1.2B in loans that management explicitly plans to sell. That's a $1.7B war chest for a company valued around $4B.

The ONLY bear case left was the "massive 2026 debt wall." Here's the update: Management already fixed it. They've been repurchasing that debt. The entire remaining 2026 liability is now a tiny $66.6M. It's a non-issue.

THE REAL UPSIDE (THE KICKER):

With the main debt risk gone and profits coming in, management now has total flexibility. They are still sitting on an authorized $222.1 MILLION share buyback program.

The stock is already cheap, but this buyback is now fully available. It's a massive, funded upside catalyst that can be deployed at any time if the price stays this low.

(NFA / DYODD)

Clearly many stocks are down today so making a melodramatic post about UPST crashing serves no purpose or benefit to any intelligent investor.

If you’re looking for or want to post banal content with hyperbole or rocket emojis please create your own sub or go visit Stocktwits or Yahoo Finance which seem full of it in my opinion.

Thank you. Hopefully this sub can then remain focused on relevant and intelligent discussion both for and against investing in UPST as well as other relevant information.

Upstart stock is undervalued and heavily shorted. How can the share price be near April tariffs day despite the company being in better shape?

I don't have enough karma to post on r/shortsqueeze or wallstreetbets, but $UPST is a great short squeeze candidate with 35% short interest, almost 3 days to cover, and relatively low float.

Can someone who has enough karma post there and help get some attention on this stock? We need momentum. If Opendoor with over 700 million shares can 20x, imagine what Upstart can do.