Stock Research: Upstart

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Upstart

NSQ:UPST US91680M1071
51
  • Value
    67
  • Growth
    79
  • Safety
    Safety
    18
  • Combined
    58
  • Sentiment
    41
  • 360° View
    360° View
    51
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Company Description

Upstart Holdings, Inc. is an artificial intelligence (AI) lending marketplace. The Company’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit (HELOCs), and small dollar loans. It applies artificial intelligence models and cloud applications to the process of underwriting consumer credit. Its AI marketplace connects consumers with its lending partner. Its consumers can access Upstart-powered loans via Upstart.com, through a lender-branded product on its lending partners’ own websites, and through auto dealerships that use its Upstart Auto Retail software. Its platform enables lenders provide a product their customers want, rather than letting customers seek loans from competitors. Its cloud-based software platform incorporates technologies and software development approaches to allow for development of new features, such as cloud-native technologies, data integrity and security, and configurable multi-tenant architecture, and others.

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ANALYSIS: With an Obermatt 360° View of 51 (better than 51% compared with alternatives), overall professional sentiment and financial characteristics for the stock Upstart are above average. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for Upstart. The consolidated Value Rank has an attractive rank of 67, which means that the share price of Upstart is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means the stock price is lower than for 67% of alternative stocks in the same industry. The consolidated Growth Rank has a good rank of 79, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. But the professional market sentiment is below average compared with other stock investment alternatives with a Sentiment Rank of 41. Professional investors are more confident in 59% other stocks. Worryingly, the company has risky financing, with a Safety rank of 18. This means 82% of comparable companies have a safer financing structure than Upstart. ...read more

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Index
NASDAQ
Artificial Intelligence
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

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The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

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Metrics Current 2025 2024 2023
Value
67 1 1 1
Growth
79 100 89 93
Safety
Safety
18 4 14 40
Sentiment
41 37 16 31
360° View
360° View
51 13 7 25
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Metrics Current 2025 2024 2023
Analyst Opinions
25 24 3 40
Opinions Change
64 94 50 50
Pro Holdings
n/a 32 42 41
Market Pulse
64 32 34 22
Sentiment
41 37 16 31
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Metrics Current 2025 2024 2023
Value
67 1 1 1
Growth
79 100 89 93
Safety Safety
18 4 14 40
Combined
58 18 9 33
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
69 7 13 17
Price vs. Earnings (P/E)
74 3 1 1
Price vs. Book (P/B)
61 1 5 10
Dividend Yield
1 1 1 1
Value
67 1 1 1
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Metrics Current 2025 2024 2023
Revenue Growth
92 97 94 99
Profit Growth
58 100 1 100
Capital Growth
100 94 93 1
Stock Returns
13 99 99 95
Growth
79 100 89 93
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Metrics Current 2025 2024 2023
Leverage
19 60 63 81
Refinancing
17 13 19 9
Liquidity
52 1 8 23
Safety Safety
18 4 14 40

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This is a mixed bag with good value and high growth balanced by risky financing and negative sentiment. This is a risky stock that requires conviction; you should only consider it if you are willing to conduct further research into the underlying sentiment and financial risks.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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