Market Eyes LiveUpstart Holdings, Inc. (UPST) Stock Rating & Analysis
MELANY's data-driven read on Upstart Holdings, Inc. · Finance Services.
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).
Why UPST scores 47/100
MELANY scores Upstart Holdings, Inc. 47/100 by weighing eight factors. Here is how UPST breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- Forward P/E 13.6x, 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.
- Avg EPS beat +7%
- Earnings in 7 days (strong beat history)
What Wall Street price targets and revisions are signalling.
- Analyst targets 43% upside
Near-term events that could move the stock.
- Earnings in 7 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
Key risks for UPST
- Earnings report in 7 days, binary outcome can move 10%+ either way
- High debt-to-equity ratio 2.7x, rate-sensitive balance sheet
- Negative free cash flow, company consuming cash, not generating it
- Short interest 31% of float, high volatility risk on news
- Weak price momentum, trend not yet confirmed, may need more time to set up
Sector and theme context
Upstart Holdings, Inc. sits in the Financials / rate cycle theme, which MELANY currently rates 57/100 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. Create a free account to add UPST to your watchlist and get alerted the moment the rating changes.
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 47/100 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 2026-07-29, MELANY rated Upstart Holdings, Inc. Hold with a composite score of 47/100. 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 47/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, and 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 47/100 as of 2026-07-29. 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, 47/100 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 29/100 for Upstart Holdings, Inc., where a higher score means the price looks more attractive against earnings, growth, and peers. 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. Watchlisting UPST in the free app gets you alerted the moment that changes.
What are the risks of buying UPST stock?
The top risks MELANY currently flags for Upstart Holdings, Inc.: Earnings report in 7 days, binary outcome can move 10%+ either way; High debt-to-equity ratio 2.7x, rate-sensitive balance sheet; Negative free cash flow, company consuming cash, not generating it; Short interest 31% of float, high volatility risk on news; Weak price momentum, trend not yet confirmed, may need more time to set up. 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 36/100 for Upstart Holdings, Inc., and earnings track record, at 72/100. The 47/100 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 18/100 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 2026-07-29. 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 that current rating is free in the app.
UPST's live rating and alerts are free either way. The app is our flagship.