[{"ticker":"UPST","name":"Upstart Holdings Inc","exchange":"NASDAQ","sector":"Financials","gics_sector":"Financials","market_cap":2314104234,"current_price":23.7800,"previous_close":23.85,"price_change":-0.0700,"price_change_pct":-0.29,"day_high":23.8050,"day_low":23.0250,"day_open":23.5200,"avg_volume":null,"price_as_of":"2026-10-23T20:00:00+00:00","last_price_update":"2026-10-23T20:16:01.718065+00:00","cs_band":"Caution","ai_signal":"• The stock's decline appears to reflect a more significant dip compared to the broader market amid reports highlighting fintech sector volatility. • Market focus on AI and digital innovation continues to influence investor sentiment in fintech stocks, including this company. • Ongoing sector developments and competitive pressures may contribute to cautious outlooks within the financial technology space.","ai_signal_short":"Fintech sector volatility and AI focus coincide with notable dip in stock.","ai_signal_tone":"neutral","ai_signal_history_id":"0b776e93-2532-42ce-841b-e40c09ab2f56","ai_signal_updated_at":"2026-10-13T17:31:01.556+00:00","price_kind":"close","adv_tier":3,"ext_price":23.827,"ext_price_as_of":"2026-10-23T23:57:18.666+00:00","market_session":"closed","has_intraday":true,"delisted_at":null,"successor_ticker":null,"asset_type":"CS","volume":3045453,"pe_ratio":38.00,"dividend_yield":0.0371,"beta_1y":2.903,"avg_volume_30d":4182983,"ratios_as_of":"2026-10-16","ratios_price":23.56,"sic_code":6199}]