Upstart Holdings, Inc. (UPST) — Stock Score Summary

Upstart Holdings, Inc. (UPST) has a MoatMap StockRank of 8/100 based on Quality (46/100), Value (19/100), and Momentum (24/100) factor scores. The current signal is STRONG SELL.

Upstart Holdings, Inc. operates an artificial intelligence (AI) lending platform that partners with banks and credit unions to provide more inclusive and efficient credit to consumers. Its significant competitive moat is derived from its proprietary AI models, which leverage thousands of data points beyond traditional credit scores to improve underwriting accuracy and reduce default rates for lenders. Upstart is a leading FinTech innovator transforming the consumer lending landscape.

Key Financial Metrics

Price$32.69
Market Cap$3.1B
P/E (TTM)74.68
P/E (Forward)9.02
Price/Book4.00
Return on Equity7.0%
Debt/Equity269.84
Gross Margin82.7%
Operating Margin0.9%
Revenue Growth44.6%
Free Cash Flow$-313M

Upstart Holdings, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Upstart Holdings, Inc.’s (UPST) StockRank?
MoatMap’s StockRank for Upstart Holdings, Inc. (UPST) is 8/100, with a Strong Sell signal. It is a composite of Quality (46), Value (19), and Momentum (24) factor ranks across MoatMap’s 19,000+ stock universe.
Does Upstart Holdings, Inc. have an economic moat?
Upstart Holdings, Inc. (UPST) has a Quality factor score of 46/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Upstart Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Upstart Holdings, Inc. (UPST) is Strong Sell, based on a StockRank of 8/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Upstart Holdings, Inc. in?
Upstart Holdings, Inc. (UPST) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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