Upstart Holdings, Inc.

UPST stock score: 48/100

$23.85 · +0.80% · Scored Oct 22, 2026

Technical
33
Fundamental
63
News
40

The reading

Upstart (UPST) scores 48 out of 100, which reads weak, higher than 26% of Financial Services stocks and 36% of the 4,161 US stocks we score.

The composite is technicals and fundamentals weighted equally: technicals read 33, fundamentals 63.

Among the fundamentals, Earnings Growth (Annual) at 100 and Earnings Growth (Quarterly) at 100 score highest, while EV/EBITDA at 1 weighs the most against it.

On the daily chart, trend-following indicators average 33 and contrarian oscillators 50.

News sentiment is negative at 40; it is shown, not counted in the composite.

Since Jul 25, 2026 the composite has ranged from 45 to 63, and it is down 11 points over the period.

What’s driving the score

The strongest and weakest of the scorers that count toward UPST’s composite. Each returns 0–100, higher is more bullish — including metrics where low is good, like P/E.

Fundamental

63

Pulling it up

  • Earnings Growth (Annual)100

    Annual earnings growth tracks year-over-year profit expansion.

  • Earnings Growth (Quarterly)100

    Quarterly earnings growth measures profit increase versus the prior-year quarter.

  • Revenue Quality (Quarterly)100

    Revenue Quality (Quarterly) evaluates recent revenue performance using trailing 12-month data from quarterly reports.

Holding it back

  • EV/EBITDA1

    EV/EBITDA compares the whole company's value, debt included, with its operating earnings before depreciation.

  • Trailing P/E1

    Trailing P/E ratio uses the last 12 months of actual earnings.

  • EBITDA Margins3

    EBITDA margins measure operating profitability before interest, taxes, depreciation, and amortization.

36 weighted scorers; 5 had no data today and are left out rather than counted as zero.

Technical · daily

32

Pulling it up

  • Parabolic SAR (PSAR)100

    Parabolic SAR (Stop and Reverse) provides trailing stop levels that follow price trends.

  • SMA 20 Cross Up89

    SMA 20 Cross Up tracks when very short-term averages cross above the 20-period SMA.

  • Average True Range (14)75

    Average True Range (14-period) measures volatility by calculating the average range between high and low prices.

Holding it back

  • S&P 500 52W Comparison0

    S&P 500 52-week comparison evaluates the stock's annual performance relative to the broader market.

  • 52-Week Change0

    The price change over the last 52 weeks.

  • Ichimoku Cloud0

    Ichimoku Cloud is a comprehensive indicator showing support/resistance, trend direction, and momentum.

62 weighted scorers; 3 had no data today and are left out rather than counted as zero.

News · shown, not counted

Global News
40

Technical score by timeframe

ChartScoreWeight
Hourly511
Daily323
Weekly242
Monthly332
Quarterly332

Composite score, last 90 days

05010048Jul 25, 2026Oct 22, 2026Jul 25, 2026: 59Jul 26, 2026: 59Jul 27, 2026: 59Jul 28, 2026: 60Jul 29, 2026: 59Jul 30, 2026: 60Jul 31, 2026: 63Aug 2, 2026: 47Aug 3, 2026: 49Aug 5, 2026: 50Aug 6, 2026: 49Aug 7, 2026: 48Aug 8, 2026: 50Aug 9, 2026: 50Aug 10, 2026: 48Aug 11, 2026: 48Aug 12, 2026: 47Aug 13, 2026: 50Aug 14, 2026: 50Aug 15, 2026: 49Aug 16, 2026: 50Aug 17, 2026: 48Aug 18, 2026: 46Aug 19, 2026: 49Aug 20, 2026: 46Aug 22, 2026: 49Aug 23, 2026: 49Aug 24, 2026: 49Aug 25, 2026: 50Aug 26, 2026: 51Aug 27, 2026: 51Aug 28, 2026: 48Aug 29, 2026: 48Aug 30, 2026: 48Aug 31, 2026: 47Sep 1, 2026: 46Sep 2, 2026: 48Sep 3, 2026: 48Sep 4, 2026: 47Sep 5, 2026: 47Sep 6, 2026: 47Sep 7, 2026: 47Sep 8, 2026: 46Sep 9, 2026: 45Sep 10, 2026: 45Sep 11, 2026: 46Sep 12, 2026: 46Sep 13, 2026: 46Sep 14, 2026: 46Sep 15, 2026: 45Sep 16, 2026: 46Sep 17, 2026: 45Sep 18, 2026: 46Sep 19, 2026: 46Sep 20, 2026: 46Sep 21, 2026: 47Sep 22, 2026: 48Sep 23, 2026: 46Sep 24, 2026: 47Sep 25, 2026: 45Sep 26, 2026: 45Sep 27, 2026: 45Sep 28, 2026: 45Sep 29, 2026: 46Sep 30, 2026: 45Oct 1, 2026: 46Oct 2, 2026: 46Oct 3, 2026: 46Oct 4, 2026: 46Oct 5, 2026: 48Oct 6, 2026: 48Oct 7, 2026: 48Oct 8, 2026: 48Oct 9, 2026: 48Oct 10, 2026: 48Oct 11, 2026: 48Oct 12, 2026: 47Oct 13, 2026: 48Oct 14, 2026: 45Oct 15, 2026: 48Oct 16, 2026: 47Oct 17, 2026: 47Oct 18, 2026: 47Oct 19, 2026: 46Oct 20, 2026: 48Oct 21, 2026: 48Oct 22, 2026: 48
Show the daily numbers
DateComposite
Oct 22, 202648
Oct 21, 202648
Oct 20, 202648
Oct 19, 202646
Oct 18, 202647
Oct 17, 202647
Oct 16, 202647
Oct 15, 202648
Oct 14, 202645
Oct 13, 202648
Oct 12, 202647
Oct 11, 202648
Oct 10, 202648
Oct 9, 202648
Oct 8, 202648
Oct 7, 202648
Oct 6, 202648
Oct 5, 202648
Oct 4, 202646
Oct 3, 202646
Oct 2, 202646
Oct 1, 202646
Sep 30, 202645
Sep 29, 202646
Sep 28, 202645
Sep 27, 202645
Sep 26, 202645
Sep 25, 202645
Sep 24, 202647
Sep 23, 202646
Sep 22, 202648
Sep 21, 202647
Sep 20, 202646
Sep 19, 202646
Sep 18, 202646
Sep 17, 202645
Sep 16, 202646
Sep 15, 202645
Sep 14, 202646
Sep 13, 202646
Sep 12, 202646
Sep 11, 202646
Sep 10, 202645
Sep 9, 202645
Sep 8, 202646
Sep 7, 202647
Sep 6, 202647
Sep 5, 202647
Sep 4, 202647
Sep 3, 202648
Sep 2, 202648
Sep 1, 202646
Aug 31, 202647
Aug 30, 202648
Aug 29, 202648
Aug 28, 202648
Aug 27, 202651
Aug 26, 202651
Aug 25, 202650
Aug 24, 202649
Aug 23, 202649
Aug 22, 202649
Aug 20, 202646
Aug 19, 202649
Aug 18, 202646
Aug 17, 202648
Aug 16, 202650
Aug 15, 202649
Aug 14, 202650
Aug 13, 202650
Aug 12, 202647
Aug 11, 202648
Aug 10, 202648
Aug 9, 202650
Aug 8, 202650
Aug 7, 202648
Aug 6, 202649
Aug 5, 202650
Aug 3, 202649
Aug 2, 202647
Jul 31, 202663
Jul 30, 202660
Jul 29, 202659
Jul 28, 202660
Jul 27, 202659
Jul 26, 202659
Jul 25, 202659

Key facts

Market cap
$2.3B
Sector
Financial Services
Industry
Credit Services
Beta
2.43
Risk grade (1–10)
7
Next earnings
Nov 3, 2026

Credit Services peers

CompanyMarket capScore
ENVA Enova International$4.4B66
SLM SLM$4.1B53
BFH Bread Financial$3.9B61
AGM Federal Agricultural Mortgage$2.2B62
ECPG Encore Capital Group$2.1B71
WU The Western Union Company$2.0B40

Questions

What is UPST's stock score today?

UPST scores 48/100 (Weak) as of Oct 22, 2026: technical 33, fundamental 63, and news sentiment 40, which is shown but not counted. Scores are recomputed every night.

Is UPST a buy?

The score is not a buy or sell recommendation. A 48 says the technical and fundamental signals we measure lean weak today, relative to every other stock scored the same way. Use the breakdown above to see why, and treat it as a starting point for your own research.

How is the UPST score calculated?

98 weighted scorers feed it today: 36 fundamental, scored against Financial Services ranges, and 62 technical on the daily chart, with 5 timeframes blended into the technical total. Every scorer returns 0–100; missing data is left out, never counted as zero.

Scores are information, not investment advice. Computed from Yahoo Finance, Finnhub and Alpha Vantage data; technical indicators via TA-Lib. Past scores do not predict future returns.