What is UPST's P/E ratio?

UPSTART HOLDINGS INC (UPST) currently trades at a P/E ratio of 46.18.

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 Quality Score?

Our AI 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?

Our AI Timing Score for UPST is 26 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

UPST (NASDAQ) Stock Analysis | UPSTART HOLDINGS INC

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-03-31)

UPST AI Analysis Summary

Our AI summary for UPST: UPSTART HOLDINGS INC (NASDAQ), Financial Services >> Credit Services sector. The stock currently trades at a P/E of 46.18, ROE of 6.74%, a dividend yield of 0.00%. Its financial Quality Score stands at 38/100 — fundamentals below the market average. The AI Timing Score is 26/100 — most technical signals do not support an entry at this point. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

UPST

UPSTART HOLDINGS INC

USD 27.44

0.40 (1.48%) Day Change

Watchlist Portfolio Compare Chart

46.18

P/E

2.38

D/E

6.7%

ROE

1.7%

ROA

0.00%

Div Yield

-2.09

PEG

UPSTART HOLDINGS INC
TYPE: STOCK
MARKET: NASDAQ

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USD 27.44 Price 0.40 (1.48%) Day Change	NEWS SCORE: 99

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

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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: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not good , and ability to make profit is ok , ...

Quality Factors

44%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	99
Magic Formula Rank by ROA	2799
Magic Formula Rank by ROE	2799
Magic Formula Rank by ROIC	2895
Price	27.44
PBV / Sector	3.53 / 4.67
Earning Per Share	0.52

PE / Sector	46.18 / 13.71
PEG or PE/Growth / Sector	-2.09 / 0.12
Average 1M Daily Value	103.31 M GREAT
Average 1W Daily Value	102.80 M GREAT

Timing Factors

28%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

37%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

64%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	4.25 / 69.56
NPM Average (%) / Sector	-13.30 / 32.21
NPM Change Average (%) / Sector	10.55 / 23.87 GOOD
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	1.67 / 5.73
ROA Average (%) / Sector	-3.90 / 4.78
ROA Change Average (%) / Sector	-20.71 / 8.81
ROE (%) / Sector	6.74 / 25.41
ROE Average (%) / Sector	-12.16 / 10.57
ROE Change Average (%) / Sector	-11.25 / 8.94
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

Dividend (%) / Sector	N/A / 2.40
Dividend Average (%) / Sector	N/A / 4.16
Dividend Change Average (%) / Sector	N/A / 18.70

Registration Details

Analyze Date	2026-08-01 08:00:38
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	2,588.04 / 43,886.28

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.