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UPST as of Oct 31 · 19:06 ET
UPSTNasdaqFinance Services

Upstart Holdings, Inc. · Brief

Next report

3 days

Nov 3 · after closeest.Q3 FY26
Earnings

Expected move

Inputs

Implied vs realized

8 reportsHistory
4 of 8≥ implied
avg implied
±15.0%
avg realized
±17.4%
Nov 7 '24±16.1%▲+46.02%×2.85
Feb 11 '25±18.3%▲+31.82%×1.74
May 6 '25±17.0%▼−9.65%×0.57
Aug 5 '25±15.7%▼−18.74%×1.20
Nov 4 '25±14.3%▼−9.71%×0.68
Feb 10 '26±14.5%▼−15.04%×1.04
Q1 FY26±12.7%▼−7.92%×0.62
Q2 FY26±11.5%▼−0.40%×0.03
quarterimplied−50%0+50%realized×
Q2 FY26±11.5%▼−0.40%×0.03
Q1 FY26±12.7%▼−7.92%×0.62
Feb '26±14.5%▼−15.04%×1.04
Nov '25±14.3%▼−9.71%×0.68
Aug '25±15.7%▼−18.74%×1.20
May '25±17.0%▼−9.65%×0.57
2 older reports
Feb '25±18.3%▲+31.82%×1.74
Nov '24±16.1%▲+46.02%×2.85
Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Bull & bear

Nov 3 report · est.

Bull2

3disclosed supplier and customer ties in SEC filingsSEC filings
374managers reporting a position in the latest quarterly filings13F · Jun 30 '26

Bear2 of 4

4tracked funds holding UPSTN-PORT · Aug 31 '26
10 of 25of the largest reporting managers cut their stake in the latest quarter13F · Jun 30 '26
AI captions · Sep 28 '26once per report · top 2 per case

Linked exposure

UPST report session

Suppliers 1

AMZNAmazon Web Services×0.14
× = co-movement · max 501dSource: SEC filings · market data

Latest changes

30 daysAll changes
Oct 20impliedImplied move: ±13.8% into Nov 3 earnings (Oct 20 close).Source
Oct 208-KMaterial agreement: credit agreement with MUFG Bank, Ltd.Source

Your note

privateThesis 0 · Decisions 0 · Observations 0

No thesis.