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Stock Research: Upstart

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Upstart

NSQ:UPST US91680M1071
12
  • Value
    61
  • Growth
    33
  • Safety
    Safety
    17
  • Combined
    12
  • Sentiment
    29
  • 360° View
    360° View
    12
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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 12 (better than 12% compared with alternatives), overall professional sentiment and financial characteristics for the stock Upstart are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with three out of four indicators below average for Upstart. Only the consolidated Value Rank has an attractive rank of 61, 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 that the stock price is lower than for 61% of alternative stocks in the same industry. All other consolidated ranks are below average. The consolidated Growth Rank has a low rank of 33, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. The consolidated Safety Rank has a riskier rank of 17, meaning the company has a riskier financing structure than 83% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, professionals are more pessimistic about the stock than for 71% of alternative investment opportunities, reflected in the consolidated Sentiment Rank of 29. ...read more

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Strongest Rank Dividend Yield
Weakest Rank Revenue Growth
Country USA
Industry Consumer Finance
Size Medium
Website n/a
Index
NASDAQ
Artificial Intelligence
Upstart stock price by TradingView. Not sourced by Obermatt.
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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: 9-Apr-2026.

Make Sense of the Ranks

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.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
61 1 1 1
Growth
33 100 89 93
Safety
Safety
17 4 14 40
Sentiment
29 37 16 31
360° View
360° View
12 13 7 25
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Metrics Current 2025 2024 2023
Analyst Opinions
31 24 3 40
Opinions Change
39 94 50 50
Pro Holdings
n/a 32 42 41
Market Pulse
37 32 34 22
Sentiment
29 37 16 31
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Metrics Current 2025 2024 2023
Value
61 1 1 1
Growth
33 100 89 93
Safety Safety
17 4 14 40
Combined
12 18 9 33
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
65 7 13 17
Price vs. Earnings (P/E)
74 3 1 1
Price vs. Book (P/B)
57 1 5 10
Dividend Yield
1 1 1 1
Value
61 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
3 94 93 1
Stock Returns
31 99 99 95
Growth
33 100 89 93
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Metrics Current 2025 2024 2023
Leverage
19 60 63 81
Refinancing
15 13 19 9
Liquidity
52 1 8 23
Safety Safety
17 4 14 40

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The only strength is good value. All other factors (growth, safety, and sentiment) are below average. This stock is highly sensitive to a crisis and is not advisable. Avoid unless you have solid, independent reasons to believe a significant turnaround is imminent.

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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