Upstart (UPST) — The Transparent Read
49/100Neutral$35.74 · mixed
The chart reads mixed. Composite score lands at 49/100 — neutral. History agrees about 50% of the time in falling inflation + steady fed regimes like today. Treat this as a read, not a guarantee.
UPST key levels
Show Your Work — every point in UPST's score
The score starts at 50, then each signal below adds or subtracts points. No black box.
| Signal | Type | Points |
|---|---|---|
| Below 200-day MA Price is below its 200-day average — long-term trend is down. | technical | -8 |
| Above 50-day MA Trading above the 50-day average — medium-term momentum is positive. | technical | +5 |
| Death cross 50-day average is below the 200-day (death cross). | technical | -4 |
| RSI neutral RSI is 64 — neither overbought nor oversold. | technical | +1.38 |
| MACD positive MACD is above its signal line — momentum is building. | technical | +5 |
| Macro regime base rate In 12 past periods like today (Falling inflation + Steady Fed), this stock was higher 90d later 50% of the time (median +11.1%). Historically favorable. | macro | +0 |
Macro regime base rate
Today's regime: Falling inflation + Steady Fed
In 12 past periods that looked like today, UPST was higher 90 days later 50% of the time (median move 11.1%). Confidence: high.
The read
UPST: Neutral (49/100)
Bull case. Trading above the 50-day average — medium-term momentum is positive. RSI is 64 — neither overbought nor oversold.
Bear case. Price is below its 200-day average — long-term trend is down. 50-day average is below the 200-day (death cross).
What would change my mind. A decisive close below $29.14 flips the near-term read bearish; a break above $36.90 would confirm the bullish case.
UPST — frequently asked
Is UPST a buy according to Tallyread?
Tallyread does not give buy or sell recommendations. It shows a transparent 49/100 read for Upstart (UPST), conditioned on today's macro regime, with every scoring input itemized so you can judge for yourself. This is not financial advice.
How is UPST's Tallyread score calculated?
The 49/100 score starts at 50, then adds and subtracts named technical and macro signals — each shown with its point value and a one-line reason in the "Show Your Work" table on this page. Nothing is hidden in a black box.
How does today's Fed-and-inflation regime affect UPST?
In 12 past periods whose macro regime matched today's (Falling inflation + Steady Fed), UPST was higher 90 days later 50% of the time, with a median move of 11.1%. Confidence: high.
Want a fresh read on UPST with the live chart and macro tape?
Run a live UPST read →Last analyzed 2026-07-02 · Data source: tiingo. See the public scorecard and methodology.
This is a historical and technical read for informational and educational purposes only — not financial advice, and not a recommendation to buy or sell UPST. Markets are uncertain; do your own research.