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UPST NASDAQ

Upstart Holdings, Inc.
1W: +0.2% 1M: +3.0% 3M: -10.9% YTD: -48.3% 1Y: -55.0% 3Y: -4.0% 5Y: -93.5%
$23.71
+0.71 (+3.09%)
 
Weekly Expected Move ±7.1%
$20 $22 $24 $25 $27
NASDAQ · Financial Services · Financial - Credit Services · Tech Score Neutral · Power 53 · $2.3B mcap · 83M float · 5.04% daily turnover · Short 55% of daily vol
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $52.3M held by 23 funds → details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.
#24 of 99
Financial - Credit Services
Financial Services · Mid Cap · 46 peers
Market Share
0.2%
Top 4 Concentration: 77.3%

Technical Signal Map

15 Bullish
5 Neutral
27 Bearish
UPST $2.3B
Upstart Holdings, Inc.
LEAN BULL +17
SEZL $4.5B
Sezzle Inc.
BULLISH +82
EP-PC $113B
El Paso Energy Capital Trust I PFD CV TR SECS
BULLISH +78
ATLCZ $1.4B
Atlanticus Holdings Corporation 9.25% Senior Notes due 2029
BULLISH +75
COF $124B
Capital One Financial Corporation
BULLISH +66
PYPL $49B
PayPal Holdings, Inc.
BULLISH +66
SYF-PB $24B
Synchrony Financial
BULLISH +50
MAURY $3.0B
Marui Group Co., Ltd.
BULLISH +50
SOFI $19B
SoFi Technologies, Inc.
BULLISH +43
RWAYI $900M
Runway Growth Finance Corp. 7.25% Notes due 2031
BULLISH +43
BFH $3.8B
Bread Financial Holdings, Inc.
BULLISH +42
SHGKY $930M
Sun Hung Kai & Co. Limited
BULLISH +35
ECPG $2.1B
Encore Capital Group, Inc.
LEAN BULL +23
OMF $6.4B
OneMain Holdings, Inc.
LEAN BULL +20
JCAP $1.2B
Jefferson Capital, Inc. Common Stock
LEAN BULL +15
ATLCL $1.4B
Atlanticus Holdings Corporation 6.125% Senior Notes due 2026
NEUTRAL +7
ALLY $12B
Ally Financial Inc.
NEUTRAL -5
IX $40B
ORIX Corporation
NEUTRAL -6
KLAR $4.8B
Klarna Group plc
NEUTRAL -9
ATLC $1.3B
Atlanticus Holdings Corporation
NEUTRAL -9
KRKKF $2.4B
KRUK Spólka Akcyjna
LEAN BEAR -12
CACC $5.7B
Credit Acceptance Corporation
LEAN BEAR -17
CSASF $3.4B
Credit Saison Co., Ltd.
LEAN BEAR -20
AFRM $21B
Affirm Holdings, Inc.
BEARISH -34
FDCHF $830M
Funding Circle Holdings plc
BEARISH -34
WRLD $780M
World Acceptance Corporation
BEARISH -34
CMPRF $3.2B
Gentera, S.A.B. de C.V.
BEARISH -49
EZPW $1.7B
EZCORP, Inc.
BEARISH -50
AGM-PG $1.9B
Federal Agricultural Mortgage Corporation
BEARISH -58
ENVA $4.1B
Enova International, Inc.
BEARISH -65
GPN $22B
Global Payments Inc.
BEARISH -66
ZNKKY $2.6B
ZENKOKU HOSHO Co.,Ltd.
BEARISH -66
KGTHY $2.8B
Krungthai Card Public Company Limited
BEARISH -69
AGM $1.9B
Federal Agricultural Mortgage
BEARISH -69
SLMBP $6.3B
SLM Corporation
BEARISH -82
PRG $1.2B
PROG Holdings, Inc.
BEARISH -82
NAVI $800M
Navient Corporation
BEARISH -84
FCFS $7.5B
FirstCash Holdings, Inc
BEARISH -87
EDNMY $6.9B
Edenred S.A.
BEARISH -87
KKRS $13B
KKR Group Finance Co. IX LLC 4.
BEARISH -91
LU $7.0B
Lufax Holding Ltd
BEARISH -91
JSM $4.4B
Navient Corporation SR NT 6% 121543
BEARISH -91
WU $2.0B
The Western Union Company
BEARISH -91
MIUFY $12B
Mitsubishi HC Capital Inc.
BEARISH -100
OPFI-WT $9.9B
OppFi Inc. WT
BEARISH -100
NNI $4.4B
Nelnet, Inc.
BEARISH -100
ZIZTF $1.8B
Zip Co Limited
BEARISH -100

Peer Comparison

Symbol Mkt Cap P/E ROE % ROIC % Net Mgn % Rev Grw % Piotroski Signal 1Y Ret %
UPST Upstart Holdings, Inc. $2.3B 38.2 7.9 2.5 4.4 46.6 4 LEAN BULL -55.0
SEZL Sezzle Inc. $4.5B 26.7 88.9 63.8 27.2 43.1 9 BULLISH 65.5
EP-PC El Paso Energy Capital Trust I PFD CV TR SECS $113B 31.2 11.5 12.6 17.5 -7.7 7 BULLISH 2.9
ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 $1.4B 9.2 23.6 3.5 9.0 212.1 7 BULLISH 0.0
COF Capital One Financial Corporation $124B 12.0 9.4 12.6 15.2 36.7 7 BULLISH -9.2
PYPL PayPal Holdings, Inc. $49B 10.6 23.8 23.0 12.5 4.4 5 BULLISH -19.4
SYF-PB Synchrony Financial $24B 7.7 19.8 18.9 18.6 -1.8 4 BULLISH -0.2
MAURY Marui Group Co., Ltd. $3.0B 16.8 12.6 3.8 12.5 9.3 5 BULLISH -4.2
SOFI SoFi Technologies, Inc. $19B 28.3 7.1 8.9 10.0 34.2 5 BULLISH -43.5
RWAYI Runway Growth Finance Corp. 7.25% Notes due 2031 $900M — — — — — — BULLISH —
BFH Bread Financial Holdings, Inc. $3.8B 8.0 15.9 23.0 12.8 2.3 7 BULLISH 57.2
SHGKY Sun Hung Kai & Co. Limited $930M 5.5 6.2 8.3 28.3 59.2 7 BULLISH 10.2
ECPG Encore Capital Group, Inc. $2.1B 7.3 30.5 9.6 13.0 29.4 6 LEAN BULL 122.1
OMF OneMain Holdings, Inc. $6.4B 8.5 23.3 5.4 9.4 7.0 7 LEAN BULL 1.4
JCAP Jefferson Capital, Inc. Common Stock $1.2B 7.5 34.6 6.1 23.3 — 4 LEAN BULL 7.7
ATLCL Atlanticus Holdings Corporation 6.125% Senior Notes due 2026 $1.4B 9.2 23.6 3.5 9.0 212.1 7 NEUTRAL 0.6
ALLY Ally Financial Inc. $12B 8.8 9.7 4.9 10.1 2.0 7 NEUTRAL -6.7
IX ORIX Corporation $40B 10.3 14.0 5.9 32.0 30.7 8 NEUTRAL 48.4
KLAR Klarna Group plc $4.8B -33.2 -5.9 6.6 0.4 — 1 NEUTRAL -66.9
ATLC Atlanticus Holdings Corporation $1.3B 9.2 23.6 3.5 9.0 212.1 7 NEUTRAL 44.1
KRKKF KRUK Spólka Akcyjna $2.4B 6.6 20.5 15.3 46.4 7.6 5 LEAN BEAR 36.9
CACC Credit Acceptance Corporation $5.7B 11.7 31.9 9.9 23.1 3.8 9 LEAN BEAR 7.1
CSASF Credit Saison Co., Ltd. $3.4B 8.7 8.6 2.6 10.3 11.7 4 LEAN BEAR -6.8
AFRM Affirm Holdings, Inc. $21B 12.7 45.1 20.0 148.4 29.8 6 BEARISH -3.6
FDCHF Funding Circle Holdings plc $830M 10.3 28.6 11.5 15.7 57.0 4 BEARISH 92.8
WRLD World Acceptance Corporation $780M 15.6 10.0 3.9 4.4 4.2 7 BEARISH 20.3
CMPRF Gentera, S.A.B. de C.V. $3.2B 6.4 23.7 12.7 14.7 12.4 7 BEARISH -24.7
EZPW EZCORP, Inc. $1.7B 11.5 14.7 9.9 9.1 28.6 6 BEARISH 62.7
AGM-PG Federal Agricultural Mortgage Corporation $1.9B 11.1 13.5 1.4 14.9 -12.6 7 BEARISH -16.8
ENVA Enova International, Inc. $4.1B 11.1 26.8 9.9 10.6 5.8 6 BEARISH 37.2
GPN Global Payments Inc. $22B -20.9 -4.2 2.4 -0.3 14.8 2 BEARISH -5.6
ZNKKY ZENKOKU HOSHO Co.,Ltd. $2.6B 12.5 14.2 17.9 55.7 3.4 7 BEARISH 7.9
KGTHY Krungthai Card Public Company Limited $2.8B 10.5 19.3 9.5 37.5 2.6 6 BEARISH 19.9
AGM Federal Agricultural Mortgage $1.9B 11.1 13.5 1.4 14.9 -12.6 7 BEARISH 25.9
SLMBP SLM Corporation $6.3B 6.7 24.7 15.6 -4.9 -5.7 6 BEARISH -3.1
PRG PROG Holdings, Inc. $1.2B 8.1 19.9 10.4 6.1 0.2 3 BEARISH -4.1
NAVI Navient Corporation $800M -17.2 -2.0 1.9 3.7 -18.8 5 BEARISH -33.5
FCFS FirstCash Holdings, Inc $7.5B 20.1 18.2 10.3 9.2 22.9 6 BEARISH 20.6
EDNMY Edenred S.A. $6.9B 11.4 -45.1 -54.3 15.7 -8.6 6 BEARISH -8.9
KKRS KKR Group Finance Co. IX LLC 4. $13B -6.6 -2.1 17.0 0.0 32.3 4 BEARISH -16.8
LU Lufax Holding Ltd $7.0B — -3.0 -0.9 -7.2 -35.9 4 BEARISH -74.2
JSM Navient Corporation SR NT 6% 121543 $4.4B -32.0 -2.0 42.7 3.7 -40.5 6 BEARISH -20.2
WU The Western Union Company $2.0B 4.8 44.0 62.6 7.6 -1.7 6 BEARISH -33.2
MIUFY Mitsubishi HC Capital Inc. $12B 13.8 7.4 1.2 5.9 2.8 4 BEARISH 4.0
OPFI-WT OppFi Inc. WT $9.9B 1.6 47.6 35.5 10.2 10.2 8 BEARISH -96.0
NNI Nelnet, Inc. $4.4B 14.7 8.2 4.5 20.0 -4.6 7 BEARISH -7.1
ZIZTF Zip Co Limited $1.8B 19.3 16.8 3.9 9.4 25.4 6 BEARISH -64.3

Profile Radar

Valuation vs Profitability

Performance Comparison

Industry Market Share

UPST vs Benchmarks

ROIC
UPST
2.5
Industry
4.9
Gross Margin
UPST
96.7
Industry
76.3
Op Margin
UPST
4.5
Industry
13.1
Net Margin
UPST
4.4
Industry
6.1
Sector
18.3
Revenue Growth
UPST
46.6
Sector
7.0
P/E Ratio
UPST
38.2
Sector
13.5
ROE
UPST
7.9
Sector
10.7
Piotroski F
UPST
4.0
Sector
6.0

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms