Upstart Holdings, Inc. Common stock
Here’s whether Upstart Holdings, Inc. Common stock (UPST) is worth buying in 2026 — based on weekly-updated price trend, RSI momentum, and return vs. the S&P 500. Our current read: Bearish.
Positives: RSI 63 — healthy momentum range. Concerns: trading below the 200-day MA (long-term downtrend); below the 50-day MA (medium-term momentum negative); 50-day MA is falling (-0.58% over 10 days); weak 1-year return of -52.3%; rising volume on a downtrend (distribution, 1.29x avg). Currently 60.5% off its 52-week high. Score: -4/7.
UPST is trading below its 200-day MA ($35.02) — a key warning sign the longer-term trend is under pressure. An RSI of 62.6 sits in the neutral zone — momentum is neither stretched nor exhausted. The 1-year return of -52.3% compares to +20.4% for SPY (trailed the market by 72.7%). The current 60.5% drawdown from the 52-week high reflects elevated risk for momentum-based strategies.