Operates a cloud-based AI lending platform. Connects consumers seeking loans with AI-enabled bank partners. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 6% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 45.7× for every dollar this company earns in a year — a price that already assumes things go well.
Against companies in its own sector, it looks cheaper than 5% of them.
Analysts' average target sits 53% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
This grade is a blend: the profit side is strong, the sales tempo slow.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
An investor who bought at the very peak is down 93% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Our checks did not surface a specific strength to highlight here.
This stock swings about 2.2 times as much as the market average. Big rallies — and big drops — can both happen fast.
The company’s market value is 46 times its annual profit. Even a small disappointment could hit the price hard.
On our five-subject report card, UPST sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: UPST does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Analysts’ average target sits above today’s price, yet the valuation grade (5/100) says the stock isn’t cheap.