Stock Research: Upstart

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Upstart

NSQ:UPST US91680M1071
18
  • Value
    63
  • Growth
    77
  • Safety
    Safety
    4
  • Combined
    50
  • Sentiment
    3
  • 360° View
    360° View
    18
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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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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: 2-Feb-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.

Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
63 1 1 1
Growth
77 100 89 93
Safety
Safety
4 4 14 40
Sentiment
3 37 16 31
360° View
360° View
18 13 7 25
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Metrics Current 2025 2024 2023
Analyst Opinions
25 24 3 40
Opinions Change
55 94 50 50
Pro Holdings
n/a 32 42 41
Market Pulse
8 32 34 22
Sentiment
3 37 16 31
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Metrics Current 2025 2024 2023
Value
63 1 1 1
Growth
77 100 89 93
Safety Safety
4 4 14 40
Combined
50 18 9 33
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
60 7 13 17
Price vs. Earnings (P/E)
71 3 1 1
Price vs. Book (P/B)
42 1 5 10
Dividend Yield
1 1 1 1
Value
63 1 1 1
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Metrics Current 2025 2024 2023
Revenue Growth
84 97 94 99
Profit Growth
96 100 1 100
Capital Growth
71 94 93 1
Stock Returns
25 99 99 95
Growth
77 100 89 93
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Metrics Current 2025 2024 2023
Leverage
15 60 63 81
Refinancing
39 13 19 9
Liquidity
4 1 8 23
Safety Safety
4 4 14 40

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Frequently Asked
Questions

The only positive is high growth. The stock is expensive (low Value Rank), risky to finance, and carries critical professional sentiment. This is a risky proposition. Avoid unless you have exceptional conviction that the growth alone will overcome the price 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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