UPSTUpstart Holdings, Inc.
What is the market doing?
The market is leaning against it: in a downtrend (−26% vs 200-day) and a crowded short (+29% of shares).
In a downtrend, below its 50- and 200-day averages. Price is −26% vs its 200-day average.
Insiders were net sellers over the 90 days ending Oct 8, 2026; selling is often routine (taxes, diversification).
A crowded short, settled Sep 15, 2026, about a week of normal trading to cover. Up 6.6% since the previous count, up from 27.7% of shares outstanding three months ago.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. Insider selling is often routine (taxes, diversification); only cluster buying is a strong tell.
How UPST is trading
Upstart Holdings, Inc. is −65% over the past year while the S&P 500 is +18%: 83 points behind the market. Through the fall, its own insiders bought $2.4M more stock than they sold.
1-year return · S&P 500 +18%
- vs 200-day average
- −26%
vs 200-day average · a clear downtrend
- RSI (14)
- 38
RSI (14) · neutral
- Below its 52-week high
- 63%
Below its 52-week high
Details›
- Last close2026-10-09
- $24.08
- 1 monthS&P 500 +2.7%
- −4.1%
- 1 yearS&P 500 +18%
- −65%
- 5 yearsS&P 500 +88%
- −91%
- vs 50-day average$27.18
- −11%
- 52-week high
- $64.90
- 52-week low
- $22.80
- Annualised volatility
- 84%
- Insider buying, net, 6 monthsForms 3/4/5 to 2026-10-08
- $2.4M
| Year | Return |
|---|---|
| 2026 (year to date) | −45% |
| 2025 | −29% |
| 2024 | +51% |
| 2023 | +209% |
| 2022 | −91% |
| 2021 | +271% |
| Month | Years | Positive | Average |
|---|---|---|---|
| Jan | 6 | 3 of 6 | +6.4% |
| Feb | 6 | 3 of 6 | +0.50% |
| Mar | 6 | 2 of 6 | +3.1% |
| Apr | 6 | 2 of 6 | −8.3% |
| May | 6 | 4 of 6 | +19% |
| Jun | 6 | 2 of 6 | +1.4% |
| Jul | 6 | 3 of 6 | +16% |
| Aug | 6 | 4 of 6 | +15% |
| Sep | 6 | 1 of 6 | −8.2% |
| Oct | 6 | 4 of 6 | +2.9% |
| Nov | 5 | 2 of 5 | +3.2% |
| Dec | 5 | 1 of 5 | −6.1% |
End-of-day closes from IEX; the S&P 500 comparison uses SPY over the same window. Prices are a reference point, not a basis for trading decisions.
Credit Services
The closest names by size in the same industry