Indicators
Indicators
Value
Direction
MACD(12,26,9)
1.743
Buy
RSI(14)
52.378
Neutral
STOCH(KDJ)(9,3,3)
67.677
Sell
ATR(14)
2.540
Low Volatility
CCI(14)
42.369
Neutral
Williams %R
37.416
Buy
TRIX(12,20)
0.523
Sell
StochRSI(14)
0.000
Sell
Upstart Holdings Inc
UPST46.050USD
-3.300-6.69%
Close 12/15, 16:00（ET）Quotes delayed by 15 min
4.48BMarket Cap
104.25P/E TTM
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score of Upstart Holdings Inc
Currency: USD Updated: 2025-12-15Key Insights
Upstart Holdings Inc's fundamentals are relatively very healthy, and its growth potential is high.Its valuation is considered fairly valued, ranking 131/404 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 60.00.In the medium term, the stock price is expected to trend down.The company has been performing strongly in the stock market over the past month, which is supported by its strong fundamentals and technicals.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.
Upstart Holdings Inc's Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Analyst Rating
Based on
14
analysts
Buy
Current Rating
60.000
Target Price
+27.90%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
Upstart Holdings Inc Highlights
StrengthsRisks
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.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 635.47M.
Fairly Valued
The company’s latest PB is 6.02, at a medium 3-year percentile range.
Institutional Buying
The latest institutional holdings are 64.46M shares, increasing 0.11% quarter-over-quarter.
Held by Scotia Canadian Dividend Fund
Star Investor Scotia Canadian Dividend Fund holds 109.59K shares of this stock.
Financial Health
Currency: USD Updated: 2025-12-15The current financial score of Upstart Holdings Inc is 6.21, ranking 288/404 in the Banking Services industry. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 277.11M, representing a year-over-year increase of 65.35%, while its net profit experienced a year-over-year increase of 570.63%.
Score
Financials
9.88
Key Metrics
Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.
Quality of Earnings
4.16
Operational Efficiency
3.61
Growth Potential
7.06
Shareholder Returns
6.32
Upstart Holdings Inc's Company Valuation
Currency: USD Updated: 2025-12-15The current valuation score of Upstart Holdings Inc is 8.74, ranking 49/404 in the Banking Services industry. Its current P/E ratio is 104.25, which is 7.17% below the recent high of 111.72 and 1817.08% above the recent low of -1790.00.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 131/404
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2025-12-15The current earnings forecast score of Upstart Holdings Inc is 7.00, ranking 207/404 in the Banking Services industry. The average price target for Upstart Holdings Inc is 60.50, with a high of 86.00 and a low of 40.00.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
14
analysts
Buy
Current Rating
60.000
Target Price
+27.90%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
37
Total
6
Median
8
Average
Company name
Ratings
Analysts
Upstart Holdings Inc
UPST
14
American Express Co
AXP
32
Capital One Financial Corp
COF
24
Synchrony Financial
SYF
23
SoFi Technologies Inc
SOFI
23
Ally Financial Inc
ALLY
20
1
2
3
...
8
Financial Forecasting
EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
Price Momentum
Currency: USD Updated: 2025-12-15The current price momentum score of Upstart Holdings Inc is 9.31, ranking 228/404 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 52.94 and the support level at 36.69, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Indicators
The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.
This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.
Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.
Moving Average
Indicators
Value
Direction
MA5
47.969
Sell
MA10
46.863
Sell
MA20
43.231
Buy
MA50
45.494
Buy
MA100
56.277
Sell
MA200
55.294
Sell
Institutional Confidence
Currency: USD Updated: 2025-12-15The current institutional shareholding score of Upstart Holdings Inc is 5.00, ranking 157/404 in the Banking Services industry. The latest institutional shareholding proportion is 66.26%, representing a quarter-over-quarter decrease of 12.33%. The largest institutional shareholder is The Vanguard, holding a total of 8.22M shares, representing 8.45% of shares outstanding, with 0.55% increase in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
Girouard (David)
BlackRock Institutional Trust Company, N.A.
Jericho Capital Asset Management L.P.
State Street Investment Management (US)
Geode Capital Management, L.L.C.
Squarepoint Capital LLP
1
2
Risk Assessment
Currency: USD Updated: 2025-12-15The current risk assessment score of Upstart Holdings Inc is 4.26, ranking 334/404 in the Banking Services industry. The company's beta value is 2.27. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.
Score
Beta vs S&P 500 index
2.27
VaR
+8.89%
240-Day Maximum Drawdown
+60.80%
240-Day Volatility
+85.51%
Return
Best Daily Return
60 days
+8.00%
120 days
+8.39%
5 years
+89.32%
Worst Daily Return
60 days
-9.71%
120 days
-18.74%
5 years
-56.42%
Sharpe Ratio
60 days
-1.99
120 days
-0.68
5 years
+0.54
Risk Assessment
Maximum Drawdown
240 days
+60.80%
3 years
+71.05%
5 years
+96.90%
Return-to-Drawdown Ratio
240 days
-0.45
3 years
+0.60
5 years
-0.00
Skewness
240 days
+0.71
3 years
+1.21
5 years
+1.83
Volatility
Realised Volatility
240 days
+85.51%
5 years
+112.44%
Standardised True Range
240 days
+8.61%
5 years
+13.48%
Downside Risk-Adjusted Return
120 days
-85.65%
240 days
-85.65%
Maximum Daily Upside Volatility
60 days
+48.67%
Maximum Daily Downside Volatility
60 days
+54.35%
Liquidity
Average Turnover Rate
60 days
+6.90%
120 days
+6.74%
5 years
--
Turnover Deviation
20 days
+8.06%
60 days
-9.56%
120 days
-11.72%
Peer Comparison
Banking Services
Upstart Holdings Inc
UPST
7.05 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.91 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.86 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
CFG
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
BAP
8.80 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
WTFC
8.73 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
FAQs
How does TradingKey generate the Stock Score of Upstart Holdings Inc?
The TradingKey Stock Score provides a comprehensive assessment of Upstart Holdings Inc based on 34 indicators derived from over 100 underlying data points. These indicators are categorised into six key dimensions: financial health, company profile, earnings forecasts, price momentum, institutional confidence, and risk assessment, collectively providing investors with a thorough analysis of Upstart Holdings Inc’s performance and outlook.
How do we generate the financial health score of Upstart Holdings Inc?
To generate the financial health score of Upstart Holdings Inc, we analyse various key financial indicators across several core dimensions, including financial fundamentals, earnings quality, operational efficiency, growth potential, and shareholder returns. By integrating these comprehensive data, the financial health score not only reflects Upstart Holdings Inc's overall stability, operational efficiency, and growth potential but also captures the investment returns delivered to shareholders. This score aims to support rational decision-making for investors and other stakeholders. A higher score indicates a better financial health of Upstart Holdings Inc.
How do we generate the company valuation score of Upstart Holdings Inc?
To generate the company valuation score of Upstart Holdings Inc, we use several key financial ratios, including P/E, P/B, P/S, and P/CF. These metrics compare Upstart Holdings Inc’s market value to its earnings, assets, sales, and cash flow, serving as core indicators for assessing company value. By analysing these ratios in an all-round manner, the valuation score reflects not only the market’s current perception of Upstart Holdings Inc’s value but also its future profitability and growth potential, thereby supporting more informed investment decisions. A higher score indicates a fairer valuation of Upstart Holdings Inc.
How do we generate the earnings forecast score of Upstart Holdings Inc?
To calculate the earnings forecast score of Upstart Holdings Inc, we consider various key indicators such as analyst ratings, financial forecasts, support and resistance levels, and peer comparisons:Current ratings and price targets directly reflect analysts’ expectations, while the upside space indicates their views on the stock’s growth potential.Financial metrics like earnings per share (EPS), revenue, net income, and earnings before interest and taxes (EBIT) are core measures for assessing profitability.By analysing the high, median, and low ranges of the target price, we can identify price trends and determine key support and resistance levels.Comparing these indicators against peers provides context for the stock’s performance and helps
anchor more realistic expectations.These factors together form a comprehensive earnings forecast score that accurately reflects the stock’s expected financial performance and growth potential. A higher score suggests that analysts have a more optimistic outlook on Upstart Holdings Inc’s future.
How do we generate the price momentum score of Upstart Holdings Inc?
When generating the price momentum score for Upstart Holdings Inc, we examine momentum indicators including support and resistance levels as well as volume metrics.Support levels represent price points where buying interest is strong enough to prevent further declines, while resistance levels indicate prices where selling pressure may hinder upward movement. By analysing typical price volume alongside total volume, we assess overall market activity and liquidity. These indicators help identify price trends and potential shifts, enabling more accurate predictions of future earnings.This comprehensive approach can reflect market sentiment and enable rational forecasts of Upstart Holdings Inc’s prices. A higher score indicates a more stable short-term price trend for Upstart Holdings Inc.
How do we generate the institutional confidence score of Upstart Holdings Inc?
To generate the institutional confidence score of Upstart Holdings Inc, we analyse both the proportion of shares held by institutions and the number of shares they own. A higher institutional ownership percentage indicates strong confidence of professional investors, which is generally a positive signal about Upstart Holdings Inc’s potential. By examining the number of shares held, we gain deeper insight into institutions’ commitment and attitude toward the stock, as institutional investors typically conduct thorough analysis before making investment decisions. Understanding institutional confidence helps us refine earnings forecasts and provides a more reliable perspective on the company’s future performance and market stability. A higher score indicates greater institutional endorsement of Upstart Holdings Inc.
How do we generate the risk management score of Upstart Holdings Inc?
To assess the risk management score of Upstart Holdings Inc, we examine multiple key indicators related to returns, risk, volatility, and liquidity.The highest and lowest daily returns reflect the potential size of gains and losses, while the Sharpe ratio measures risk-adjusted return performance. On the risk side, we analyse maximum drawdown and the return-to-drawdown ratio to identify extreme loss scenarios. Skewness helps assess the distribution of returns and whether performance may be biased. Volatility indicators—such as realised volatility and standardised true range—reveal price fluctuations. Downside risk-adjusted returns provide insight into potential losses and gains. Lastly, liquidity metrics like average turnover rate and turnover deviation indicate how actively the stock is traded.These indicators together provide a multi-dimensional understanding of Upstart Holdings Inc’s risk-return profile, serving as core factors of the risk management score. A higher score indicates lower risk on the side of Upstart Holdings Inc.
