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UPSTMID

Upstart Holdings, Inc.

Financial ServicesFinancial - Credit Services
$27.23
$0.02(-8.22%)
52W$26.80
$87.30
FinancialsValuationvs KKRS
Updated Mar 2, 12:00 AM
RSI34
RS Rating7/99
Beta2.55
Volatility79%
F-Score3/9
Mkt Cap$2.7B
DOWNTREND

Price Action

5Y Daily
50 DMA150 DMA200 DMA

Technical Summary

DOWNTREND

Upstart Holdings, Inc. is in a technical downtrend, trading below key resistance levels with a broken trend structure. Relative strength is weak (RS Rating: 7), showing significant lag compared to the market leaders. Earnings growth of 407% provides fundamental context to the price action. Investors should exercise caution due to high volatility (79% annualized), which requires wider risk management.

Relative Strength
7
out of 99
Lagging
Trend Score
0/4
Minervini Criteria
DOWNTREND
Risk (Beta)
2.55
vs S&P 500
HIGH BETA
52W Position
1%
from 52W low
Near Low
Trend & Momentum Analysis

Trend Template (Minervini)

DOWNTREND0/4 Criteria Met
CriterionValueStatus
Price > 50 SMA$41.35
50 SMA > 100 SMA$43.36
100 SMA > 150 SMA$51.05
150 SMA > 200 SMA$53.75

Price vs Moving Averages

PeriodValueSpreadSignal
20 SMA$33.19-17.96%BELOW
50 SMA$41.35-34.15%BELOW
100 SMA$43.36-37.20%BELOW
150 SMA$51.05-46.66%BELOW
200 SMA$53.75-49.34%BELOW

Price Performance

1D-8.2%
1W-0.1%
1M-36.9%
3M-39.4%
6M-63.1%
YTD-40.6%
1Y-59.2%
3Y+13.7%
52-Week Trading Range1% from low
$27.23
52W Low$26.80
52W High$87.30

Technical Indicators

RSI (14)BEARISH
33.9
305070
VCP ScoreCOOL
4/10
Base depth: 92.9%

Risk Profile

Beta
2.55
52W Vol
79%
ATR
$2.33
Max DD (1Y)
-68%

Volume Analysis

Today
27
50D Avg
4.23M
Vol Ratio
0.00x
Liquidity
LIQUID

Earnings Momentum

Q4'24+94%
$-0.03
Q1'25+96%
$-0.03
Q2'25+109%
$0.05
Q3'25+407%
$0.23
Fundamentals & Growth

Growth Trends

Compounded Sales Growth

10 Years:—
5 Years:—
3 Years:—
TTM:—

Compounded Profit Growth

10 Years:—
5 Years:+14.37%
3 Years:—
TTM:+111.81%

Stock Price CAGR

10 Years:-0.79%
5 Years:-16.39%
3 Years:+13.73%
1 Year:-59.16%

Return on Equity

10Y Avg:-6.1%
5Y Avg:-7.9%
3Y Avg:-16.5%
Last Year:4.3%

Key Metrics

Market Cap$2.7B
Gross Margin—
Net Margin5.1%
Piotroski F-Score3/9

More UPST Analysis

Full Financial AnalysisDCF & Intrinsic ValueTotal Return Calculator

Compare With

UPST vs KKRSKKRSCGABLAGMYRD

Data Dictionary

RS Rating (Relative Strength)

Measures 12-month price performance vs all stocks. Rating of 7 meansUPST outperformed 7% of all stocks. Scores >80 indicate market leaders.

Beta

Measures volatility vs S&P 500. Beta of 2.55 means 155% more volatile than market.

Piotroski F-Score

9-point financial strength score based on profitability, leverage, and efficiency. Score of 3/9. Scores 7-9 = strong, 4-6 average, 0-3 = weak.

VCP (Volatility Contraction Pattern)

Measures base formation quality. Higher scores indicate tighter consolidation near pivot points. Score of 4/10 with COOL status.

Frequently Asked Questions

Is UPST in an uptrend right now?

UPST has a trend score of 0/4 based on Minervini's Stage Analysis. Currently showing broken structure - 0 of 4 trend criteria are met.

Is UPST overbought or oversold?

UPST's RSI (14) is 34. The stock is in neutral territory, neither overbought nor oversold.

Is UPST outperforming the market?

UPST has a Relative Strength (RS) Rating of 7 out of 99. UPST is currently lagging the broader market.

Where is UPST in its 52-week range?

UPST is trading at $27.23, which is 31% of its 52-week high ($87.30) and 1% above its 52-week low ($26.80).

How volatile is UPST?

UPST has a Beta of 2.55 and 52-week volatility of 79%. It's more volatile than the S&P 500 - expect bigger swings.