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Upstart Holdings, Inc. (UPST) stock score

Financial Services · Credit Services · United States

$24.10 ▼ -0.37% today

8.3
Dad Score, out of 100
poor

Upstart Holdings, Inc. (UPST) is a Credit Services company in the Financial Services sector, listed in the United States. On DadFin's weekly run it scores 8.3 out of 100 on the Dad Score, a poor reading that places the business ahead of 8% of the 5,774 US and Canadian stocks DadFin fully scores. Inside Financial Services it ranks #1,189 of 1,228. Its strongest axes are quality, liquidity and macro; its weakest are valuation and growth.

Scores from the run of Oct 4, 2026. The Dad Score answers one question: how good is this business, measured against its own sector. How it is built →

The eight axes

Valuation
Weak
Quality
Strong
Growth
Below average
Price action
no inputs
Risk
Weak
Conviction
Below average
Liquidity
Strong
Macro
Above average

Each axis is ranked inside the stock's own sector. Subscribers see the percentile and every input behind each bar.

Key numbers

P/E (trailing)43.9×
P/E (forward)6.6×
Dividend yield0.00%
Return on capital3.6%
Operating margin7.2%
Revenue growth (YoY)+0.0%
FCF yield-4.9%
Net debt / EBITDA13.90×
Piotroski F-Score3 / 9
52-week change-56.6%
Market cap$2.2B
Next earningsNov 3, 2026

What subscribers see on UPST

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Credit Services peers

StockCompanyDad ScoreBandMarket cap
VVisa Inc.44.8middling$677.1B
MAMastercard Incorporated59.3middling$483.8B
AXPAmerican Express Company83.6good$204.5B
COFCapital One Financial Corporation99.8strong$119.5B
PYPLPayPal Holdings, Inc.73.4good$45.5B
AFRMAffirm Holdings, Inc.56.3middling$23.9B
SYFSynchrony Financial58.0middling$23.4B
SOFISoFi Technologies, Inc.53.8middling$20.4B

Prices from DadFin's live feed (refreshed about every 15 minutes in the session); scores from the weekly run of Oct 4, 2026. Fundamentals as reported in the latest filings. Research, not investment advice.