UPST ready to move

Upstart Holdings, Inc

July 29, 2025

About UPST

Upstart Holdings, Inc. engages in the provision of a cloud-based artificial intelligence lending platform. It operates through the following segments: Personal Lending, Auto Lending, and Other. The Personal Lending segment focuses on unsecured personal loans and small dollar loans. The Auto Lending segment is involved in auto refinance and auto retail loans. The Other segment refers to HELOCs and other. The company was founded by David Joseph Girouard, Anna Mongayt Counselman, and Paul Gu in December 2013 and is headquartered in San Mateo, CA.

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Technical Analysis

UPST has struggled since it’s primetime shortly after becoming public. UPST saw a high of $401.49 a few months after being publicly traded, however now its struggling to stay over $85.

This daily chart above shows the whole picture. Even though it was probably a demoralizing time for investors at the end of 2021 and into 2022, we might be looking at a prime opportunity now in mid 2025.

Take a look at the daily chart below, zoomed in to the last year and you’ll see one of two things happening. Both bullish moves, lets look at the obvious one first. Right now you can see the current price line as of today (7/28/25) playing with that resistance area of between $85 and $90. It seems UPST wants to keep testing that resistance and creating higher lows while doing it. This is a bullish movement with a hopeful break to the upside. If it does break upward, we would love to see UPST test that recent high of $96.43 and then finally make its move above $100 for the first time in three years.

The second bullish movement here, which may take more time to play out, is the reverse head and shoulders play. Look at the daily chart below and notice the line. We could see a reverse head and shoulder if UPST gets rejected here again, dips and finds support at the $55 - $58 range, and pushes back up to retest the $85 range. This movement may even be better than the first one because with this, UPST creates a stronger support level a the $55 range, Keeping it from falling all the way back to the $20 range.

A Final Note

What’s next? UPST has an earnings report on August 5th after the market closes. UPST has shown positive earnings over the last year, and another positive review could be what the stock needs to break that $100 wall. On the reverse end, if it’s a negative earnings report, it could be what pushes the dip down to finish the reverse head and shoulders. Just be careful, if it dips below that $55 range, the bullish pattern may not be in effect anymore.

“Never Financial advice, just a thought .”

-Bremcakes

Until next time,

Quiet design. Loud impact.