UPST
UpstartCNasdaq / Financial Services
Last Price
At close
2026-07-20
Current thesis
Composite grade C from latest DB weights. Momentum 37.1 / Value 46.8 / Sentiment 61.6
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
37
Value
47
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-20
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $40.06
Why
Momentum37 · Δ7d -8.9
Value47 · Δ7d +0.3
Sentiment62 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Sentiment · See AI snapshot
Momentum
37
26% active weight
Current posture
7d trendSoftening
Δ7d
-8.9
Δ21d
-7.9
Value
47
39% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.7
Sentiment
62
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade C. Momentum 37.1 / Value 46.8 / Sentiment 61.6
Fundamentals (TTM)As of 2026-07-20
Fundamentals (TTM)
As of 2026-07-20
Market Cap
$2.76B
Beta
2.38
Shares Out
95.71M
P/E (TTM)
173.0
P/S (TTM)
5.10
P/FCF (TTM)
27.97
Rev YoY
+44.4%
EPS YoY
+163.8%
Gross Margin
+97.9%
Op Margin
+2.7%
Net Debt
$839.82M
Current Ratio
4.03
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology