Newsfile Corp
13 May 2026, 13:44 UTC · 23w ago
Verdict
Headline takes no side. We score UPST −1.00 across four claims — strongly bearish.
−1.00strongly bearish
More negative than 96% of ticker scores this week
What the story claims
4 claims · scored −1 bearish … +1 bullish
Upstart's AI model (Model 22) overreacted to negative macroeconomic signals and was knowingly calibrated to be overly conservative on credit, reducing borrower approvals and conversion rates.
More negative than 99% of claims this week
Upstart negatively revised its FY 2025 revenue guidance to approximately $1.035 billion, down from its prior guidance of $1.055 billion, and slashed its FY 2025 fee revenue outlook to $946 million from $990 million.
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More negative than 99% of claims this week
Upstart reported Q3 2025 revenue of $277 million, missing its own guidance of $280 million, and provided Q4 2025 revenue guidance of $288 million, significantly below consensus estimates of $303.7 million.
So whatA quarterly miss and a massive shortfall in forward guidance relative to consensus expectations directly drives immediate negative analyst revisions and valuation contraction.
More negative than 98% of claims this week
A federal securities class action lawsuit alleges Upstart made materially false and misleading statements by overstating Model 22's accuracy and failing to disclose its negative impact on revenue results.
More negative than 90% of claims this week
Which stocks this story touches
More negative than 96% of ticker scores this week
The company is facing a federal securities class action lawsuit following revenue misses and misleading statements regarding its AI model.
More negative than 74% of ticker scores this week
The company is mentioned in the context of a securities class action deadline notice.
More negative than 74% of ticker scores this week
The company is mentioned in the context of a securities class action deadline notice.
More negative than 74% of ticker scores this week
The company is mentioned in the context of a securities class action deadline notice.
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Newsfile Corp
3h ago
−15.0%
Price agrees with the score
$23.66 vs $27.84 close before publication (May 12) · not market-adjusted
UPST chart →
