The Motley Fool
22 Jul 2026, 04:00 UTC · 2h ago
Why Upstart Stock Lost 19% in the First Half of 2026
NewsImpactScreener rates every claim in this story for market impact and maps it to the tickers most exposed.
The Motley Fool
22 Jul 2026, 04:00 UTC · 2h ago
NewsImpactScreener rates every claim in this story for market impact and maps it to the tickers most exposed.
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5 claims · each scored for market impact
Upstart's adjusted EBITDA margin fell from 20% to 13% in the first quarter, with net losses widening from $2.4 million to $6.6 million. — A significant drop in margins and widening losses indicate operational inefficiency and pressure on profitability.
-0.60Upstart is experiencing declining take rates, suggesting lending partners are paying the company less than they previously were. — Declining take rates suggest a loss of pricing power or a shift toward lower-margin loan products, threatening long-term revenue quality.
-0.50Management provided a long-term outlook through 2028, targeting a compound annual growth rate of 35% and an adjusted EBITDA margin of 28%. — Ambitious long-term growth and margin targets provide a bullish catalyst if the company can demonstrate a path to execution.
+0.40Continue reading
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Co-founder Dave Girouard stepped down as CEO and was replaced by co-founder and former CTO Paul Gu. — Unexpected leadership changes at the top often create uncertainty and perceived instability for investors.
-0.20CEO Paul Gu purchased 50,000 shares of Upstart stock in May. — Insider buying is generally viewed as a positive signal of confidence in the company's internal valuation and future.
+0.20Which stocks this story touches
The company reports solid growth and profitability, but the stock has struggled due to CEO departure, underwhelming guidance, and declining take rates.
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