Decline depth
-66.0%
From rolling 252-day high of $87.30, 287d ago.
Past the 40% Red List threshold.
Red List Recovering
UPST
Upstart Holdings, Inc.
Financial Services · Credit Services · mid-cap ($2.5B)
-66.0%
from rolling 252-day high of $87.30 set 2025-07-31 · 287d ago
Current
$29.71
Decline depth
-66.0%
Decline σ
5.5σ
TFC
4/5 bearish
Rolling 252-day high
Up day
Down day
Last 90 trading days · data from Alpaca
Structural break signals
UPST qualifies for the Red List on decline depth.
Time-frame continuity
4/5 bearish
Latest bar across daily/weekly/monthly/quarterly/yearly time frames. A bar counts as bearish when it's a 2-Down or a red 3.
Past the 4/5 Amber threshold.
Decline sigma
5.5σ
Drop from local high over the last 20 bars, expressed in units of the stock's typical daily volatility (4.43% per day).
Past the ≥4σ Watch threshold.
The structural read
What price action says about UPST.
UPST qualifies for the Red List on decline depth — down -66.0% from its rolling 252-day high. Past the 40% threshold, the deepest tier in the taxonomy.
Cross-confirmation: also showing 4/5 bearish time frames.
Cross-confirmation: decline sigma also reads 5.5σ over 20 bars.
Alongside that decline, our proprietary engine has flagged a confirmed bullish structural signal on one or more time frames — moderate or strong time-frame-continuity (TFC) alignment — so the ticker also carries a Recovering badge. The two readings coexist: the tier tells you how deep the damage is, the Recovering badge tells you whether momentum may be turning. Recovering is not a buy signal; it's a structural read.
Upstream TFC read: moderate alignment, current phase daily. Last bar types — daily 2U (green), weekly 2D (green), monthly 1 (red).
Earnings on file: 2026-02-10. Tiering is unaffected by earnings dates — listings reflect price structure only.
52-week range
52W low $23.96
9.1% of range
52W high $87.30
Sector context · Financial Services
89 other Financial Services tickers are on Broken Stocks.
41
Red List
29
Amber
19
Watch
-32.8%
Median decline
Worst in sector: GSHD (-67.9%). Least-bad: FG (-20.1%). See all Financial Services listings →
Related — same sector
Closest decliners to UPST
Red List Recovering
ROOT
Root, Inc.
Red List
GSHD
Goosehead Insurance, Inc.
Red List
TRUP
Trupanion, Inc.
Red List Recovering
CRCL
Circle Internet Group, Inc.
Red List
FDS
FactSet Research Systems Inc.
Red List Recovering
RYAN
Ryan Specialty Holdings, Inc.
Questions about UPST
What people ask.
Why is UPST on Broken Stocks?
UPST qualifies for the Red List on decline depth. It is down -66.0% from its rolling 252-day high of $87.30, set on 2025-07-31 — 287d ago. It additionally carries a Recovering badge — see below.
What does the Recovering badge mean for UPST?
Recovering means our proprietary engine has flagged a confirmed bullish structural signal on one or more time frames (moderate or strong time-frame continuity). It coexists with the decline tier — UPST is still Red List because the rolling-252-day decline hasn't healed, but a bullish setup has formed inside that decline. The two readings answer different questions: the tier tells you how deep the damage is; the Recovering badge tells you whether momentum may be turning. It's not a buy recommendation.
Is UPST a falling knife?
Not by the strict technical definition. UPST is down -66.0% from its 52-week high, but that high was set 287d ago — more than 120 days. A falling knife is usually a recent breakdown from a fresh high, not an established multi-quarter downtrend. UPST is still on the Red List for decline depth, but the freshness component of a falling knife is missing.
Is UPST a buy?
Broken Stocks does not issue buy or sell recommendations. The list is a rules-based technical warning system. It tracks structural decline depth and recency — not company quality, management, fundamentals, or news. Always do your own research and consult a licensed advisor.
Where is UPST trading inside its 52-week range?
At $29.71, UPST sits 9.1% of the way from its 52-week low ($23.96) to its 52-week high ($87.30). A reading below 25% indicates price is hugging the bottom of the range; above 75%, the top.
How fast has UPST been declining?
The current 66.0% decline accrued over 287d, which annualizes to roughly -83.9% per year. Annualized pace is a sanity check — a 30% decline in three months is a different signal than a 30% decline over two years.
How does UPST compare to its sector?
There are 89 other Financial Services tickers on Broken Stocks: 41 Red, 29 Amber, 19 Watch, with 31 showing recovering structural signals. Median sector decline is -32.8% — UPST's decline is deeper than the sector median.
Does UPST's earnings date affect its tier?
No. Tiering is decided purely by decline depth and recency of the rolling-high date. The earnings date on file (2026-02-10) is shown for reference only — listings can move tier between scans based on closing prices, regardless of fundamentals or news events.