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

NasdaqGS:UPST US91680M1071
11
  • Value
    4
  • Growth
    77
  • Safety
    Safety
    1
  • Combined
    6
  • Sentiment
    48
  • 360° View
    360° View
    11
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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
Artificial Intelligence
NASDAQ
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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: 18-Dec-2025.

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.

Detailed and Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2024 2023 2022
Value
4 1 1 1
Growth
77 100 89 93
Safety
Safety
1 4 14 40
Sentiment
48 37 16 31
360° View
360° View
11 13 7 25
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Metrics Current 2024 2023 2022
Analyst Opinions
45 24 3 40
Opinions Change
50 94 50 50
Pro Holdings
n/a 32 42 41
Market Pulse
57 32 34 22
Sentiment
48 37 16 31
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Metrics Current 2024 2023 2022
Value
4 1 1 1
Growth
77 100 89 93
Safety Safety
1 4 14 40
Combined
6 18 9 33
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
13 3 1 1
Price vs. Earnings (P/E)
23 7 13 17
Price vs. Book (P/B)
3 1 5 10
Dividend Yield
1 1 1 1
Value
4 1 1 1
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Metrics Current 2024 2023 2022
Revenue Growth
88 97 94 99
Profit Growth
98 100 1 100
Capital Growth
87 94 93 1
Stock Returns
5 99 99 95
Growth
77 100 89 93
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Metrics Current 2024 2023 2022
Leverage
55 60 63 81
Refinancing
21 13 19 9
Liquidity
1 1 8 23
Safety Safety
1 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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