Upstart (UPST) Down 6.7% Since Last Earnings Report: Can It Rebound?

Upstart Holdings reported Q2 2026 revenues of $364.7 million (up 42% YoY) with improved profitability, including EPS of 16 cents (up 220% YoY) and adjusted EBITDA of $76.9 million. Despite strong operational results, the stock has underperformed the S&P 500 by 6.7% since earnings. The company maintains full-year 2026 guidance and received OCC conditional approval for its national bank charter. However, analyst estimates have shifted downward by 20.69%, and the stock carries a Zacks Rank #4 (Sell) rating with a subpar VGM Score of D.