Upstart Holdings, Inc.UPST

Financial Services
Neutral

ASignal's systematic analysis rates UPST as Neutral. Upstart Holdings, Inc. has a market cap of $2.85B, a P/E of 72.54, a 4.2% net margin, and 44.6% year-over-year revenue growth.

Reflects the latest available analysis · analyzed Jun 7, 2026

The case on UPST

Bull vs bear, surfaced by ASignal's framework agents from public market data. The precise verdict: ASignal Rank, confidence, and price targets - is in the app.

Bull case
  • Strong revenue growth (44.6% YoY)
  • High gross margin (82.71%) indicating pricing power
  • Positive MACD histogram suggesting strengthening momentum
  • Price trading near lower Bollinger Band, potential mean reversion
VS
Bear case
  • Negative free cash flow (-$312.58M)
  • High debt-to-equity ratio (2.70x)
  • Elevated EV/EBITDA (43.98x) relative to fundamentals
  • No Reddit mentions, indicating low retail sentiment

Key facts

Sector
Financial Services
Market cap
$2.85B
P/E ratio
72.54
Gross margin
82.7%
Net margin
4.2%
Rev growth YoY
44.6%
Price (Jun 7, 2026)
$29.74
Subscriber-only

See the full verdict on UPST

ASignal Rank (1-4), confidence score, Buffett / Ackman / Dalio grades, price targets, and the full reasoning behind the call.

How ASignal analyzes UPST

Most investors never get a second opinion, let alone several. ASignal runs UPST past a panel of specialized investor-framework agents, each calibrated on a distinct school of investing: Warren Buffett's value discipline, Bill Ackman's activist lens, and Ray Dalio's macro view. They don't just score in isolation, they argue: a dedicated Challenger agent pushes back on every conclusion until the panel settles on a reasoned consensus, weighing fundamentals, macro conditions, market sentiment, and price action together. The kind of cross-examined read that takes a research desk hours, ASignal delivers in under two minutes, refreshed every cycle.

The signal direction and the bull and bear case above are free. The precise read, ASignal Rank, framework grades, price targets, and full reasoning, stays with subscribers.

Upstart Holdings, Inc. (UPST) Stock Analysis - ASignal rates it Neutral