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UPST (NASDAQ) Stock Analysis | UPSTART HOLDINGS INC – Deepscope
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UPST — UPSTART HOLDINGS INC (Financial Services >> Credit Services)

UPST FAQ

What is UPST's P/E ratio?

UPSTART HOLDINGS INC (UPST) currently trades at a P/E ratio of 55.11.

What is UPST's ROE?

UPSTART HOLDINGS INC reports a Return on Equity (ROE) of 6.74%.

What is UPST's dividend yield?

UPSTART HOLDINGS INC offers a dividend yield of 0.00%.

What is UPST's Deepscope Quality Score?

Deepscope rates UPST's overall financial quality at 38 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy UPST?

Deepscope's AI Timing Score for UPST is 50 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does UPST belong to?

UPSTART HOLDINGS INC is classified under the Financial Services >> Credit Services sector on the NASDAQ exchange.

Stock Check   *Daily update data at 9:30 AM*
(Price: 2026-06-05 | FS: 2026-03-31)

UPST

UPSTART HOLDINGS INC
USD 29.74
-2.53 (-7.84%) Day Change
55.11
P/E
2.38
D/E
6.7%
ROE
1.7%
ROA
0.00%
Div Yield
-2.50
PEG
USD 29.74
Price
-2.53 (-7.84%)
Day Change
NEWS SCORE: 77

UPST, the overall quality is not good ( Quality = 38) and the timing to buy is ...(Sign In to See)...

38

QUALITY

Signal
UNDERPERFORM
Signal Description
Company financial health is Not Good
Reason
P/E ratio is relatively high
ROE is relatively low.
ROA is relatively low.
Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
ROA is too relatively low compare to ROE
Acceleration of ROA growth rate is below our criteria.
Net profit margin is relatively low.
Historical net profit margin is relatively low.

88 Sign in

TIMING

Signal
OUTPERFORM
Signal Descri...
Good
Reason
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In details, quality factors are not good , financial health is not good , and ability to make profit is ok , ...

Quality Factors 44%
X
X
X
X
  In Recommendations? Not in any sections
  Select Rate 0.00 From 30 days period
  Watch Rate 0.00 From 30 days period
  News Score 77
  Magic Formula Rank by ROA
2881
  Magic Formula Rank by ROE
2881
  Magic Formula Rank by ROIC
2960
  Price 29.74
  PBV / Sector
4.21 / 3.70
  Earning Per Share 0.48
  PE / Sector
55.11 / 13.32
  PEG or PE/Growth / Sector
-2.50 / 0.11
  Average 1M Daily Value
138.99 M
GREAT
  Average 1W Daily Value
145.27 M
GREAT
Timing Factors 42%
  MACD
  MACD Signal
  MACD Divergence
  RSI
  Stochastic Oscillator K
  Stochastic Oscillator D
  ADX
  Avg 5 day Timing Score
Financial Health 37%
X
X
X
X
  DE / Sector
  DE Average / Sector
  DE Change Average (%) / Sector
  Current Ratio / Sector
  Current Ratio Average / Sector
  Current Ratio Change Average (%) / Sector
  Quick Ratio / Sector
  Quick Ratio Average / Sector
  Quick Ratio Change Average (%) / Sector
  FCF/Share / Sector
  FCF/Share Average / Sector
  FCF/Share Change Average (%) / Sector
Ability to Make Profit 64%
X
X
X
X
X
X
X
  GPM (%) / Sector
  GPM Average (%) / Sector
  GPM Change Average (%) / Sector
  OPM (%) / Sector
  OPM Average (%) / Sector
  OPM Change Average (%) / Sector
  NPM (%) / Sector
4.25 / 69.35
  NPM Average (%) / Sector
-13.30 / 32.18
  NPM Change Average (%) / Sector
10.55 / 22.57
GOOD
  Asset Turnover / Sector
  Asset Turnover Average / Sector
  Asset Turnover Change Average (%) / Sector
  ROA (%) / Sector
1.67 / 5.76
  ROA Average (%) / Sector
-3.90 / 4.80
  ROA Change Average (%) / Sector
-20.71 / 7.85
  ROE (%) / Sector
6.74 / 23.71
  ROE Average (%) / Sector
-12.16 / 10.23
  ROE Change Average (%) / Sector
-11.25 / 7.16
  ROIC (%) / Sector
  ROIC Average (%) / Sector
  ROIC Change Average (%) / Sector
Return to Investors 4%
X
  Dividend (%) / Sector
N/A / 2.99
  Dividend Average (%) / Sector
N/A / 4.20
  Dividend Change Average (%) / Sector
N/A / 19.68
Registration Details
X
  Analyze Date 2026-06-06 09:08:30
  Symbol UPST
  Name UPSTART HOLDINGS INC
  Sector Financial Services >> Credit Services
  Market NASDAQ
  Listed Shares 95.71 M
  Par Value N/A
  Calculated From Quarter
  Sign N/A
  Market Cap (M.USD) / Sector Average 3,088.61 / 38,628.68
News, Concensus, ...
  Estimation Consensus See at WSJ.com
  Full details See at WSJ.com
  Chart See in Chart feature
  News See at Yahoo Finance

Address: 2950 South Delaware Street, San Mateo, CA, United States, 94403

Phone: 833 212 2461

Website: https://www.upstart.com

Employees: 1,405

Sector: Financial Services >> Credit Services

Description: Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. The company operates through three segments: Personal Lending, Auto Lending, and Other. Its platform includes unsecured personal loans, small dollar loans, auto refinance, auto retail loans, and auto secured personal loan, and home equity lines of credit. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.

ME vs SECTOR Financial Services >> Credit Services

UPST (ME)
Sector Peers
Bubble size = Market Cap

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News

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UPST
UPST
USD 29.74 (-7.84%)
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