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Upstart Stock Rises as JPMorgan Upgrades to Overweight

Jack KelloggAvatar
Written by Jack Kellogg Reviewed by Ellis Hobbs Fact-checked by Matt Monaco
Updated 8/22/2025, 11:32 am ET | 4 min
Upstart Stock Rises as JPMorgan Upgrades to Overweight Thumbnail

In this article Last trade Aug, 22 11:46 AM

  • UPST+9.71%
    UPST - NYSEUpstart Holdings Inc.
    $69.69+6.17 (+9.71%)
    Volume:  7.11M
    Float:  80.18M
    $62.28Day Low/High$70.49

Upstart Holdings Inc.’s stocks have been trading up by 10.12 percent, reflecting positive sentiment from recent developments.

Candlestick Chart

Live Update At 11:32:16 EST: On Friday, August 22, 2025 Upstart Holdings Inc. stock [NASDAQ: UPST] is trending up by 10.12%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Quick Financial Overview

Recent earnings of Upstart Holdings Inc. emphasized the hurdles and opportunities for the company renowned for its role in the AI lending marketplace. For Q2, total revenue was at $53.22M, though profit margins reflected challenges, with a negative EBIT margin and a pre-tax profit margin plummeting to -47.5%. Meanwhile, share prices have had their ups and downs, inching upwards 3.6% after JPMorgan’s lucrative nod.

The numbers speak a complex story for the rookie stock enthusiast. Picture riding a roller coaster, with the pulse of trading influencing the dizzying highs and the nerve-wracking lows. But, much like seasoned riders, Upstart tackles the tumultuous ride by banking on transformative strategies like private offerings to steady their course.

Their latest financial steps, like the $500M Convertible Senior Notes offering, are part of this ambitious plan. Funds are earmarked for general needs and existing debt repurchases, bearing testament to Upstart’s intent to balance immediate requirements against long-term objectives. Tapping into AI-driven lending technology continues to broaden Upstart’s reach, as noted with the ABNB partnership.

Market Reactions

JPMorgan Chase’s decision to upgrade its stance on Upstart is an influential vote of confidence. It’s akin to receiving a golden ticket amidst the competitive fintech landscape. By identifying stable credit trends and forecasting potential interest rate cuts, they deliver a promising buoy that Upstart can potentially cling onto amid their year-to-date underperformance.

In simple terms, this upgrade means more investors might now look at Upstart as a favorable choice, considering its recalibrated price target of $88. But, as the past teaches us, nothing is set in stone with stocks — it’s a labyrinth where one decision can ripple across the company spectrum.

The escalating demand for their innovative lending solutions, together with fresh corporate bonds, adds another layer of promise. It’s not just the story of survival, but of unexpected triumphs too. Upstart’s recent $600M note offering highlights their ability to draw in hefty support, showing a calculated gamble to cover existing commitments while eyeing newer pastures.

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Conclusion

As traders weigh these potential gains amid market uncertainties, Upstart’s journey feels reminiscent of an author’s arduous quest for a plot twist. The stakes are high, backed by an apparent audacity from key players and market strategies that time will eventually measure. As millionaire penny stock trader and teacher Tim Sykes says, “It’s not about how much money you make; it’s about how much money you keep.” Their engagement in the Goldman Sachs conference portends strategic alliances that can decisively shift perception towards opportunities in AI-lending, thereby coupling stories of checks-and-balances with foresight. Whether or not Upstart can eventually carve a definitive path to success will ultimately depend on continuing to navigate such shifting narratives with equal measures of courage and caution.

This is stock news, not investment advice. Timothy Sykes News delivers real-time stock market news focused on key catalysts driving short-term price movements. Our content is tailored for active traders and investors seeking to capitalize on rapid price fluctuations, particularly in volatile sectors like penny stocks. Readers come to us for detailed coverage on earnings reports, mergers, FDA approvals, new contracts, and unusual trading volumes that can trigger significant short-term price action. Some users utilize our news to explain sudden stock movements, while others rely on it for diligent research into potential investment opportunities.

Dive deeper into the world of trading with Timothy Sykes, renowned for his expertise in penny stocks. Explore his top picks and discover the strategies that have propelled him to success with these articles:

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Jack Kellogg

He teaches webinars on Tim Sykes’ Trading Challenge He became Tim’s youngest millionaire student in 2020. Now he’s second on the Trading Challenge leaderboard with $12.9 million in career earnings. He’s a master of the 7-Step Pennystocking Framework. Jack is one of a rare breed of traders to profitably trade the entire penny stock framework.
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In this article (YTD Performance)

  • UPST+3.75%
    UPST - NYSEUpstart Holdings Inc.
    $69.69+6.17 (+9.71%)
    Volume:  7.11M
    Float:  80.18M
    $62.28Day Low/High$70.49

* Results are not typical and will vary from person to person. Making money trading stocks takes time, dedication, and hard work. There are inherent risks involved with investing in the stock market, including the loss of your investment. Past performance in the market is not indicative of future results. Any investment is at your own risk. See Terms of Service here

The available research on day trading suggests that most active traders lose money. Fees and overtrading are major contributors to these losses.

A 2000 study called “Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors” evaluated 66,465 U.S. households that held stocks from 1991 to 1996. The households that traded most averaged an 11.4% annual return during a period where the overall market gained 17.9%. These lower returns were attributed to overconfidence.

A 2014 paper (revised 2019) titled “Learning Fast or Slow?” analyzed the complete transaction history of the Taiwan Stock Exchange between 1992 and 2006. It looked at the ongoing performance of day traders in this sample, and found that 97% of day traders can expect to lose money from trading, and more than 90% of all day trading volume can be traced to investors who predictably lose money. Additionally, it tied the behavior of gamblers and drivers who get more speeding tickets to overtrading, and cited studies showing that legalized gambling has an inverse effect on trading volume.

A 2019 research study (revised 2020) called “Day Trading for a Living?” observed 19,646 Brazilian futures contract traders who started day trading from 2013 to 2015, and recorded two years of their trading activity. The study authors found that 97% of traders with more than 300 days actively trading lost money, and only 1.1% earned more than the Brazilian minimum wage ($16 USD per day). They hypothesized that the greater returns shown in previous studies did not differentiate between frequent day traders and those who traded rarely, and that more frequent trading activity decreases the chance of profitability.

These studies show the wide variance of the available data on day trading profitability. One thing that seems clear from the research is that most day traders lose money .

Millionaire Media 66 W Flagler St. Ste. 900 Miami, FL 33130 United States (888) 878-3621 This is for information purposes only as Millionaire Media LLC nor Timothy Sykes is registered as a securities broker-dealer or an investment adviser. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. Millionaire Media LLC and Timothy Sykes cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing. Millionaire Media LLC and Timothy Sykes in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned in communications or websites. In addition, Millionaire Media LLC and Timothy Sykes accepts no liability whatsoever for any direct or consequential loss arising from any use of this information. This information is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor. Past performance is not necessarily indicative of future returns.

Citations for Disclaimer

Barber, Brad M. and Odean, Terrance, Trading is Hazardous to Your Wealth: The Common Stock Investment Performance of Individual Investors. Available at SSRN: “Day Trading for a Living?”

Barber, Brad M. and Lee, Yi-Tsung and Liu, Yu-Jane and Odean, Terrance and Zhang, Ke, Learning Fast or Slow? (May 28, 2019). Forthcoming: Review of Asset Pricing Studies, Available at SSRN: “https://ssrn.com/abstract=2535636”

Chague, Fernando and De-Losso, Rodrigo and Giovannetti, Bruno, Day Trading for a Living? (June 11, 2020). Available at SSRN: “https://ssrn.com/abstract=3423101”

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