Decline depth
-64.2%
From rolling 252-day high of $71.38, 359d ago.
Past the 40% Red List threshold.
-64.2%
from rolling 252-day high of $71.38 set 2025-09-19 · 359d ago
Current
$25.59
Decline depth
-64.2%
Decline σ
6.4σ
TFC
4/5 bearish
Rolling 252-day high
Up day
Down day
Last 90 trading days · data from Alpaca
Since tracking began
$UPST has been tracked since 2026-03-01. It was down 67.6% from its 52-week high then — now down -64.2%.
That's 3.1 percentage points deeper than the day it joined.
From the 52-week high as of 2026-03-02 to today. Split-adjusted. Observed, not a forecast.
Structural break signals
UPST qualifies for the Red List on decline depth.
Time-frame continuity
4/5 bearish
Latest bar on five time frames, daily to yearly. Bearish = 2-Down or red 3.
Past the 4/5 Amber threshold.
Decline sigma
6.4σ
Drop over the last 10 bars in units of daily volatility (3.13%/day).
Past the ≥6σ Amber threshold.
The structural read
What price action says about UPST.
UPST qualifies for the Red List on decline depth — down -64.2% 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 6.4σ over 10 bars.
Upstream TFC read: bearish alignment, current phase daily. Last bar types — daily 2U (red), weekly 2D (red), monthly 2D (red).
Earnings on file: 2026-08-04. Earnings dates don't affect tiering.
Questions about UPST
What people ask.
Why is UPST on Broken Stocks?
UPST qualifies for the Red List on decline depth. It is down -64.2% from its rolling 252-day high of $71.38, set on 2025-09-19 — 359d ago.
Is UPST a falling knife?
Not by the strict technical definition. UPST is down -64.2% from its 52-week high, but that high was set 359d 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 $25.59, UPST sits 2.6% 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 64.2% decline accrued over 359d, which annualizes to roughly -65.3% 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 133 other Financial Services tickers on Broken Stocks: 66 Red, 39 Amber, 28 Watch, with 13 showing recovering structural signals. Median sector decline is -33.0% — 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 (2026-08-04) is shown for reference only — listings can move tier between scans based on closing prices, regardless of fundamentals or news events.