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Upstart Stock Rises Amid New Partnership with Tech CU

Matt MonacoAvatar
Written by Matt Monaco Reviewed by Jack Kellogg Fact-checked by Tim Sykes
Updated 12/18/2025, 11:32 am ET 12/18/2025, 11:32 am ET | 4 min 4 min read
Upstart Stock Rises Amid New Partnership with Tech CU Thumbnail

Upstart Holdings Inc.’s stock has been trading up by 7.94 percent amid renewed investor optimism following significant debt restructuring efforts.

Candlestick Chart

Live Update At 11:32:22 EST: On Thursday, December 18, 2025 Upstart Holdings Inc. stock [NASDAQ: UPST] is trending up by 7.94%! Discover the key drivers behind this movement as well as our expert analysis in the detailed breakdown below.

Quick Financial Overview

The recent partnership announcement encouraged a positive stock price movement for Upstart, bouncing up by 2.6% on Dec 17, 2025. The stock opened at $47.14, hit a high of $49.445, before closing at $48.6256. The upward trend demonstrates market confidence, likely driven by the AI-backed loan solutions unveiled through the Tech CU collaboration. These solutions promise to simplify borrowing processes in the personal and auto loan sectors.

In examining UPST’s financial results, the profitability indicators show room for improvement with an EBIT margin of -4.6% and a Pre-tax profit margin of -36.3%. Revenue for the latest quarter stood at $277.03M, but a 3-year decline of 14.01% reflects significant past challenges. However, the collaboration with Tech CU is anticipated to provide crucial growth and fuel revenue recovery with potential positive sentiment in the market.

Market Reactions

Upstart’s strategic move by joining hands with Tech CU aligns well with its mission to innovate the lending industry using AI. The excitement in the investment community about this partnership is evident in the recent stock price increment. Offering seamless digital experiences through AI in personal loans can attract a broader customer base and potentially tap into the $5B worth of financial resources Tech CU holds.

Additionally, the upcoming virtual management meeting with B. Riley might further stimulate investor interest. It opens avenues for discussion on strategic initiatives and financial roadmaps, setting possible new directions for the company’s market performance.

There are, however, financial metrics that suggest caution. A high price-to-earnings ratio of 195.46 and a negative cash flow underline existing financial pressures. But the strategic partnerships and proactive management discussions aim to bring a silver lining to these challenges by creating avenues for sustainable growth.

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Conclusion

Overall, the news of Upstart’s partnership with Tech CU brings optimism to its market presence, promising enhanced value through modern loan solutions powered by AI. As stock prices respond positively, this partnership is another step for Upstart to pivot toward recovery and growth in a competitive financial ecosystem. As millionaire penny stock trader and teacher Tim Sykes says, “The goal is not to win every trade but to protect your capital and keep moving forward.” This sentiment resonates with traders observing Upstart’s strategic moves, emphasizing the importance of safeguarding one’s position while pursuing growth.

Traders can anticipate further developments post the Dec 3 virtual conference, which may reveal additional strategic plans and pathways for financial improvements. The upcoming events signify a progression for Upstart, with tech-driven collaborations paving the way to renewed market confidence.

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.

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Matt Monaco

Mentor and Trainer at StocksToTrade.com, Lead Mentor at Small Cap Rockets and To The Moon Report
He is a diligent trader and teacher in his To The Moon Report blogs and Small Cap Rockets strategy webinars. He shows up every day, and expects his students to as well. Matt is fond of trading sketchy, volatile OTC stocks with profit potential. His favorite patterns are panic dip buys and breakouts.
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* 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”