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Upstart Holdings, Inc. (UPST) Stock Rating & Analysis
As of October 6, 2026, MELANY rates Upstart Holdings, Inc. 43 out of 100 (Hold). Its highest factor score is catalyst setup at 80, and its lowest is price momentum at 10.
MELANY ratingRated 2026-10-06UPST · composite score
About Upstart Holdings, Inc.
Upstart Holdings Inc offers credit services through a proprietary cloud-based, artificial intelligence lending platform that aggregates consumer loan demand and connects it to its network of AI-enabled bank partners. Its products fall into three segments: Personal Lending (unsecured personal and small dollar loans), Auto Lending (auto refinance, retail, and secured personal loans), and Other (HELOCs and other products).
Rating as of 2026-10-06 · this is a dated snapshot; the live rating is in the app (Pro, free for 30 days). The price above updates in real time.
Why UPST scores 43/100
UPST's 8 factor scores run from 10 to 80, and 4 of them sit above its composite of 43. Here is how UPST breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- Forward P/E 9.2x, earnings growth accelerating
Margins, returns on capital, and balance-sheet strength.
- Gross margin 83%
Direction and relative strength of the recent share-price trend.
History of beating or missing estimates, and where estimates are heading.
- Earnings in 28 days (strong beat history)
What Wall Street price targets and revisions are signalling.
- Analyst targets 67% upside
Near-term events that could move the stock.
- Earnings in 28 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
How UPST compares
As of October 7, 2026, Upstart Holdings, Inc. ranks 11th of the 11 companies with a MELANY rating page in its SEC industry group (Finance Services), where the average score is 53.
Key risks for UPST
- High debt-to-equity ratio 2.6x, rate-sensitive balance sheet
- Negative free cash flow, company consuming cash, not generating it
- Short interest 33% of float, high volatility risk on news
- Weak price momentum, trend not yet confirmed, may need more time to set up
- High beta 2.4, amplifies market drawdowns 1.8x+ in selloffs
Sector and theme context
Upstart Holdings, Inc. sits in the Financials / rate cycle theme, which MELANY currently rates 10/100 for strength. Theme strength feeds UPST's momentum and catalyst factors above.
Tracking UPST
Upstart Holdings, Inc. rates Hold right now, so MELANY is not flagging a fresh entry. Add UPST to a watchlist in the app to follow its rating; an alert the moment it changes is part of Pro, free for 30 days.
How MELANY rates UPST
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. Upstart Holdings, Inc.'s 43/100 reflects mature factor weighting for its profile.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about UPST
Is Upstart Holdings, Inc. (UPST) a buy?
As of 2026-10-06, MELANY rated Upstart Holdings, Inc. Hold with a composite score of 43/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is Upstart Holdings, Inc.'s MELANY score?
Upstart Holdings, Inc. (UPST) has a MELANY composite score of 43/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, macro fit.
How is the UPST stock rating calculated?
MELANY scores UPST from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy Upstart Holdings, Inc. stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates Upstart Holdings, Inc. (UPST) Hold with a composite of 43/100 as of 2026-10-06. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the UPST stock price forecast?
MELANY does not publish price targets or forecasts for UPST. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 43/100 across eight factors for Upstart Holdings, Inc., and re-scores automatically as new price, earnings, and fundamental data arrive.
Is UPST stock overvalued or undervalued?
MELANY's valuation factor currently reads 32/100 for Upstart Holdings, Inc., where a higher score means the price looks more attractive on that measure. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives UPST's read.
What price should I buy UPST at?
MELANY is not flagging a fresh entry for UPST at its current Hold rating, so there is no entry zone to publish right now. Add UPST to a watchlist in the app to follow it; an alert the moment the rating changes is part of Pro, free for 30 days.
What are the risks of buying UPST stock?
The top risks MELANY currently flags for Upstart Holdings, Inc.: High debt-to-equity ratio 2.6x, rate-sensitive balance sheet; Negative free cash flow, company consuming cash, not generating it; Short interest 33% of float, high volatility risk on news; Weak price momentum, trend not yet confirmed, may need more time to set up; High beta 2.4, amplifies market drawdowns 1.8x+ in selloffs. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is Upstart Holdings, Inc. a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 41/100 for Upstart Holdings, Inc., and earnings track record, at 61/100. The 43/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will UPST stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 10/100 for UPST right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this UPST rating?
The rating on this page is a snapshot of MELANY's read as of 2026-10-06. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores UPST continuously as new price, earnings, and fundamental data arrive, and the current rating is in the app (Pro, free for 30 days).
How this rating works
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