UPST
Financial ServicesUpstart Holdings, Inc. · Financial - Credit Services · $3B
UPST Price History
-77.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Upstart Holdings, Inc.?
Based on Upstart Holdings, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
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- ✓Detailed 6-pillar UQS breakdown with exact scores
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Pro Analysis
UPST — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 44.4 | 15.1 | 25.0 | 88.8 | 37.2 | 73.3 | -0.4 |
| May 7, 2026 | 44.8 | 17.2 | 25.0 | 88.8 | 36.3 | 73.3 | +0.7 |
| May 3, 2026 | 44.1 | 17.2 | 25.0 | 88.8 | 36.3 | 69.1 | +0.1 |
| Apr 26, 2026 | 44.0 | 17.2 | 25.0 | 88.8 | 36.3 | 68.3 | +0.2 |
| Apr 19, 2026 | 43.8 | 17.2 | 25.0 | 88.8 | 36.3 | 67.2 | -1.0 |
| Apr 18, 2026 | 44.8 | 17.2 | 25.0 | 88.8 | 36.3 | 73.3 | -4.0 |
| Apr 2, 2026 | 48.8 | 17.2 | 25.0 | 88.8 | 36.3 | 100.0 | — |
UPST — Pillar Breakdown
Quality
— 15.1/100 (25%)Upstart Holdings, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 88.8/100 (20%)Upstart Holdings, Inc. is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 37.2/100 (15%)Upstart Holdings, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 73.3/100 (15%)Upstart Holdings, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 25/100 (25%)Upstart Holdings, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for UPST.
Score Composition
Financial Data
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How is the UPST UQS Score Calculated?
The UQS (Unified Quality Score) for Upstart Holdings, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Upstart Holdings, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Upstart Holdings, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.