Stock Analysis
Upstart Holdings, Inc. (UPST) Stock Analysis
Upstart Holdings, Inc. (UPST) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
Upstart Holdings, Inc. (UPST) currently has an AIQ Score of 38/100, indicating a bearish setup. Momentum is the strongest factor at 46/100. Risk is the weakest current factor at 30/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
UPST at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $23.02 |
| AIQ Score | 38/100 |
| Overall View | Bearish |
| Technical Analysis Consensus | Buy |
| Market Cap | $2.62B |
| P/E Ratio (TTM) | 44.08 |
| Forward P/E | — |
| EPS (quarter ended 2026-06-30) | $0.17 |
| Revenue (quarter ended 2026-06-30) | $377.24M |
| Dividend Yield (TTM) | 0.00% |
| Beta | 2.17 |
| Volume | 4.28M |
| 52-week range | $22.21-$52.10 |
| RSI 14 | 54.45 |
| 50-Day SMA | $25.45 |
| 200-Day SMA | $29.99 |
| Analyst Price Target | $38.92 |
| Next Earnings | Nov 3, 2026 |
UPSTUpstart Holdings, Inc.
Financial Services / Financial - Credit Services
Low Priority
Relative Laggard
Latest quote
- Momentum46
- Value36
- Quality38
- Risk resilience30
- Sentiment—
UPST Stock Analysis Summary
Upstart Holdings, Inc. (UPST) currently has an AIQ Score of 38/100, indicating a bearish setup. Momentum is the strongest factor at 46/100. Risk resilience is the weakest current factor at 30/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a bearish regime, UPST has AIQ Score of 38/100 with Momentum base of 46/100 and fading Risk resilience at 30/100. Wait for component alignment before adding exposure.
Financial Services · -7.33% stock move · UPST classified in Financial - Credit Services.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is UPST Bullish or Bearish Right Now?
UPST currently has a bearish overall setup. Momentum is the strongest factor at 46/100, while Risk Resilience is weakest at 30/100. The current evidence suggests a defensive setup.
- - Analyst target implies +69.07% upside from the latest quote.
- - Technical consensus has more buy votes than sell votes (29 vs 13).
- - Value is the current constraint at 36/100.
- - Risk Resilience is weak at 30/100.
- - Price is -17.18% below its 200-day SMA.
Current Consensus
UPST's Technical Analysis Consensus is currently Buy, with 29 buy, 3 neutral, and 13 sell votes. UPST's 14-day RSI is 54.45, which places the stock in a neutral momentum range. UPST's beta is 2.17, indicating greater market sensitivity than the broad market.
What Changed in UPST?
The largest recent change in UPST is Momentum moving down by 2.0 points over the available 7-day comparison window. Momentum remains the strongest visible factor.
What Would Change the UPST Outlook?
The current bearish outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
UPST Decision Framework
Public evidence layers, setup checks, and risk context for Upstart Holdings, Inc..
Upstart Holdings, Inc. (UPST) Stock Analysis
Upstart Holdings, Inc. has an AIQ Score of 38/100 in a Defensive regime. Momentum is strongest at 46/100. Beta is 2.17, above market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | UPST is in a Defensive AIQ regime with score 38/100. |
| Signal Conflict | The primary conflict is that momentum leads at 46/100 while risk lags at 30/100. |
| Factor Evidence | Momentum 46/100 · Value 36/100 · Quality 38/100 · Risk 30/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 46/100.
Momentum is 46/100 and RSI (14) is 54.4.
UPST is in a Defensive regime at 38/100.
Risk factor is 30/100 with beta 2.17 and annual volatility 64.52%.
Current conflict: momentum leads at 46/100 while risk lags at 30/100.
UPST Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
UPST Fundamentals
UPST valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
UPST Technical Analysis
UPST technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
UPST Stock Catalysts
Track UPST earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
UPST Dividend Analysis
UPST dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
UPST Financial Data
UPST revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
UPST Risk Analysis
UPST volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
UPST Stock News
UPST stock news, market tone, recent headlines, and catalyst context.
UPST vs Fintech & Payments Peers
Current peer cohort: UPST · SOFI · V · HOOD · WEX. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| UPST Current stock | 38/100 | 36/100 | 46/100 | 30/100 | -0.79 | 64.52% | Current |
| SOFI SoFi Technologies | 47/100 | 27/100 | 66/100 | 23/100 | -0.78 | 56.71% | UPST vs SOFI |
| V Visa | 64/100 | 24/100 | 81/100 | 63/100 | 0.77 | 22.30% | UPST vs V |
| HOOD Robinhood | 33/100 | 24/100 | 21/100 | 28/100 | -0.34 | 71.51% | UPST vs HOOD |
| WEX WEX Inc | 61/100 | 72/100 | 62/100 | 51/100 | 0.54 | 40.89% | UPST vs WEX |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 29, 2026.
Popular UPST Comparisons
How UPST scores against the names it is most often compared with.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts4 recent quarterly periods are available for review.
Checked Oct 31, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching UPST
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for UPST
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
UPST Stock FAQ
What is UPST stock price today?
Upstart Holdings, Inc.'s current stock price is $23.02. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is UPST bullish or bearish right now?
UPST's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is UPST's market cap?
UPST's market cap is $2.62B based on the latest completed market-close snapshot from Oct 30, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is UPST's current P/E ratio?
UPST's current P/E ratio is 44.08 based on the latest completed market-close snapshot from Oct 30, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is UPST's RSI?
UPST's 14-day RSI is 54.45 based on the latest completed market-close snapshot from Oct 30, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is UPST above its 50-day and 200-day moving averages?
UPST is -2.39% from its 50-day SMA and -17.18% from its 200-day SMA based on the latest completed market-close snapshot from Oct 30, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is UPST's next earnings date?
UPST's next earnings date is currently listed as Nov 3, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does UPST pay a dividend?
UPST's dividend yield is 0.00% based on the latest completed market-close snapshot from Oct 30, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.