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Stock Analysis
Upstart Holdings, Inc. (UPST)
UPST
UPST · Market data
29.07 -1.49%
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52W Range Position
8%
LOWMIDHIGH
Trend
Vulnerable
Momentum
Neutral
Updated: 2026-07-20 16:24 UTC
WOI Investment Thesis
Vulnerable
Watch confirmation and invalidation levels before acting.
⚖️
✓
Fundamentals
Strong / Negative
✓
Price Structure
Vulnerable
•
Momentum
Neutral
×
Breakout Confirmation
Pending
Risk Level
Moderate
Analysis Scope
1Y Daily
Key Decision Levels
✓
Hold Above
Structure remains valid above support.
—
↗
Break Above
Confirmation improves above resistance.
31.27
🎯
Next Objective
Pattern-derived target if setup continues.
—
×
Thesis Break
Scenario weakens below invalidation.
Below —
What's Driving UPST?
📈 Technical recovery is improving
Momentum is Neutral. Watch 31.27 for confirmation and — for structure risk.
💼 Business quality remains relevant
Fundamentals remain relevant. Check growth, profitability, cash flow and balance sheet quality.
⚠️ Key risk remains
—
Full Analysis Workspace
Technical Signal
Waiting for Confirmation
▲
No confirmed breakout yet. Watch the next level and momentum behavior.
RSI(14)
37.6
Price Chart
UPST · WOI overlay chart
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Valuation Snapshot (TTM)
Full valuation · Ratios use trailing twelve months
Updated 2026-07-17
Cash
Cash-flow pressure
TTM free cash flow is negative. P/FCF and FCF yield should be read with caution.
Market Cap
$2.8B
Company size
EV
$2.4B
Debt-adjusted value
P/E
57.2
Premium
P/S
2.5
Low sales multiple
P/B
3.9
Balanced
EV/Sales
2.1
Low sales multiple
EV/EBIT
59.4
Premium
P/FCF
-19.1
Not meaningful
FCF Yield
-5.24%
Cash return
Source: SEC TTM data via WOI valuation cache Not financial advice
Business Lens
Financial pressure is elevated
Financial quality is mixed, with cash flow or balance sheet items requiring closer monitoring.
↗
Revenue Growth
Strong
●
Profitability
Negative
≈
Cash Flow
Pressured
⚖
Balance Sheet
Stretched
💵 Revenue
308.21M
↗ Strong
📈 Net Income
-6.65M
↘ Negative
🧮 EPS (Basic)
-0.07
↘ Negative
Upstart Holdings, Inc.
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