Upstart Holdings, Inc. (UPST) Stock Analysis
Last updated Sep 8, 2026
Health Check
Last analyzed Sep 7, 2026
- Financial Health 60
- Profitability 80
- Business Quality 65
- Balance Sheet 30
- Cash Flow 60
Why this rating?
Health 64/100 — Good Quality
Entry timing is weak right now. Quality may be fine; the setup is not.
Company overview
Upstart Holdings, Inc. (UPST) is a Credit Services company in the Financial Services sector. Compound Radar rates Upstart Holdings, Inc. 64/100 (Good Quality) due to solid business quality, strong revenue growth, and elevated leverage.
Investment profile
- Quality Moderate
- Growth Strong
- Balance Sheet Stretched
- Valuation Attractive
Financial highlights
Valuation
- P/E 51.88
- Forward P/E 7.87
- EV/Revenue 3.37
Profitability
- Revenue Growth 42.3%
- Gross Margin 83.0%
- Operating Margin 7.2%
- Net Margin 4.7%
- ROE 7.9%
Financial strength
- Cash $457.84M
- Debt $2.06B
- Net Cash $-1.60B
- Free Cash Flow $-166.13M
- Current Ratio 10.46
Similar companies
Peers in Credit Services, ranked by Financial Health.
Latest quoted price for the name. Helps anchor the setup in today’s market level.
Health Entry- Sezzle Inc. Credit Services SEZL$118.35 80 Health 80 / 100
Strong business quality across profitability, growth, balance sheet, and cash flow.
Good Entry Good EntryA usable setup — not as clean as Strong Entry, but timing is not mixed or weak.
- PayPal Holdings, Inc. Credit Services PYPL$53.18 69 Health 69 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Wait WaitEntry timing is weak right now. Quality may be fine; the setup is not.
- American Express Company Credit Services AXP$326.10 68 Health 68 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Capital One Financial Corporation Credit Services COF$213.96 68 Health 68 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Visa Inc. Credit Services V$368.64 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- Mastercard Incorporated Credit Services MA$570.89 67 Health 67 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- EZCORP, Inc. Credit Services EZPW$33.09 64 Health 64 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
- OneMain Holdings, Inc. Credit Services OMF$63.31 61 Health 61 / 100
Solid fundamentals with some trade-offs across our health dimensions.
Watch WatchWorth tracking, but timing is mixed — not a clear setup yet.
FAQ
How Compound Radar scores and tracks Upstart Holdings, Inc. (UPST).