UPST
UPST
US · Stock · NYSE/NASDAQ
Pre-Market · NYSE/NASDAQ
AIQ Score (0-100)
31
/100
BEARISH
Smart Score (1-10)
/10

SignalIQ Stock Brief

Published · as of 2026-07-24

The structural weakness of the current signal profile centers on the divergence between high underlying Quality (37.0) and Value (33.0), which are counterbalanced by significantly low Momentum (23.0) and Timing (19.0). The substantial drop in the timing score suggests that while the fundamental attributes remain intact, the immediate market environment is unfavorable for entry or continuation. This weakness is compounded by a steep decline in momentum (-5.0 delta), indicating that recent price action has been negative and decelerating. Conversely, the risk profile remains elevated (Risk Score: 31.0; Risk Rating: VERY HIGH), which must be weighed against the positive movement in the risk score itself (+3.0 delta). The combination of high quality fundamentals with low momentum suggests a potential disconnect between intrinsic worth and current market pricing action. Given the bearish top signal direction, caution is warranted as the stock exhibits significant volatility (Beta: 2.75) and negative alpha (-100.58), confirming recent underperformance relative to its systematic risk. A key watch item is monitoring the timing score; if it reverses course and shows a positive delta of at least +4.0 within the next five trading days, this would suggest an improving immediate market entry window.

Summary ▸

The most notable shift is the significant decline in the timing score, which dropped 8.0 points over seven days. This suggests a deterioration in the immediate market conditions or entry window for UPST, despite stable quality and value metrics.

Current market regime: Defensive

In a Defensive regime, UPST's AIQ Score of 31/100 suggests caution. Reduce position size or hold. Confirm reversal before re-entering.

Technology·sector move·Market context unavailable.

Quick Stats

Market Cap
P/E Ratio
P/B Ratio
Dividend Yield
Beta
Volume
52W High
52W Low
Evidence Receipts + Persistence
AIQ score today
31/100
Defensive
30-day Avg AIQ
Days with AIQ ≥ 60 (last 60)
Strongest driver
Binding constraint
7-day momentum Δ
AIQ Score Change Narrative

UPST's recent component-level deltas are not available in this snapshot. Use the current AIQ, Sharpe, and volatility profile above as the primary read until the next data refresh.

Snapshot: 2026-07-27T09:17:30.560Z.

Recent News
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Sentiment —
No recent news found for UPST

UPST (UPST) Stock Analysis

Snapshot summary of AIQ score, trend, and risk context.

UPST (UPST) has an AIQ Score of 31/100 in a Defensive regime as of Jul 27, 2026. The main conflict is that component evidence is mixed in the latest snapshot.

UPST (UPST) carries an AIQ Score of 31 out of 100, placing it in a bearish signal regime for this snapshot. A mid-range reading typically means component signals are not fully aligned, so interpretation should focus on what is improving versus what is lagging.

Evidence LayerPublic Evidence
Regime ContextUPST is in a Defensive AIQ regime with score 31/100.
Signal ConflictThe primary conflict is that component evidence is mixed in the latest snapshot.
Factor EvidenceFactor evidence is not available in this snapshot.
PersistenceScore-history persistence is not available for this symbol yet.
ChecklistStatusEvidence
Factor strengthWaitNo factor has enough evidence to pass this check.
TimingWaitMomentum is —.
Regime fitFailUPST is in a Defensive regime at 31/100.
Risk controlWaitRisk factor is —.
ConflictPassCurrent conflict: component evidence is mixed in the latest snapshot.
AIQ 60+ snapshots:
30-snapshot avg:
60-snapshot avg:
What Changed Recently (UPST)

UPST's recent component-level deltas are not available in this snapshot. Use the current AIQ, Sharpe, and volatility profile above as the primary read until the next data refresh.

Signal snapshot as of 2026-07-27T09:17:30.560Z.

AIQ Δ7d:
Momentum Δ7d:
Value Δ7d:
Quality Δ7d:
Risk Δ7d:
Trend Δ7d:
MetricCurrent
AIQ Score31/100

UPST vs Fintech & Payments Peers

UPST ranks 1 of 5 in this peer set. Full sector ranking →
Compare Stocks
SymbolAIQSmartVerdict
UPSTN/A
VN/A
WEXN/A
WUN/A
XPN/A

Portfolio Implication

UPST currently shows elevated downside sensitivity. Beta is currently unavailable, so position sizing should be reviewed with scenario analysis.

UPST Stock FAQ

What does the UPST AIQ Score mean?

AIQ Score summarizes multiple factors for UPST, including momentum, value, quality, and risk. Higher scores generally indicate stronger combined signals, but you should still validate with your own risk tolerance.

How often is UPST data updated?

UPST quote and scoring components refresh on the platform cadence. Always confirm timestamp freshness on-page before making time-sensitive decisions.

Should I compare UPST with an index before investing?

Yes. Comparing UPST versus benchmarks like SPY or QQQ helps you separate stock-specific strength from broader market moves.

Where can I review deeper UPST fundamentals, technicals, and risk?

Use the Fundamentals, Technicals, and Risk tabs from this page to inspect driver-level metrics behind the headline score.

How the AIQ Score Is Built

Methodology, factor weights, and how to interpret score history

Read the methodology →

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