On the stock market since 2020, it operates in the world of money and finance. It has 1,405 employees. Now — the numbers.
This is an established company with proven profits.
The biggest line carries real weight, but it doesn’t decide everything on its own.
Average growth of 6% a year over the last 4 years. Red columns mark years that ended in a loss.
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.
Clearly above the class average — a step short of the very top.
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.
angles, checked one by one.
The 3 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Bets Against the Stock: The number of investors betting on a fall stands out.
An investor who bought at the very peak is down 92% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 3 years, sales grew about 8% a year on average.
The average analyst price target is $38.13 — 29% above today’s price.
This stock swings about 2.3 times as much as the market average. Big rallies — and big drops — can both happen fast.
The company’s market value is 53 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 is an established business that has proven its profits for years. 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 (8/100) says the stock isn’t cheap.