U vs UPST

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Oct 02, 2026

U

51.3
AI Score
VS
UPST Wins

UPST

56.3
AI Score

Investment Advisor Scores

U

51score
Recommendation
HOLD

UPST

56score
Recommendation
HOLD

AI Analyst Insights

Detailed Metrics Comparison

Metric U UPST Winner
Forward P/E 28.6533 13.587 UPST
PEG Ratio 0 0 Tie
Revenue Growth 23.9% 42.3% UPST
Earnings Growth 0.0% 211.2% UPST
Tradestie Score 51.3/100 56.3/100 UPST
Profit Margin -29.0% 4.7% UPST
Beta 1.00 1.00 Tie
AI Recommendation HOLD HOLD Tie

Relative Price Performance (Last 90 Days)

U 1M: +7.0% · 3M: +47.1% UPST 1M: -19.0% · 3M: -33.6%

Current Technical Phase

U

Markup
Hold / add on dips

Price above SMA50, rising 50-day trend (14.0% over 20 days), RSI 57

RSI (14): 56.8 · Price: $43.61

UPST

Markdown
Sell / avoid

Price below a falling SMA50 (slope -9.6%), weak momentum, RSI 31

RSI (14): 30.7 · Price: $22.81

Fundamentals Snapshot

Metric U UPST
Market Cap — —
Forward P/E 25.1 6.6
Trailing P/E — 44.1
Revenue (TTM) — —
Revenue Growth 0.2% 0.4%
Gross Margin 0.8% 0.8%
Operating Margin -0.1% 0.1%
EPS -1.45 0.52
Dividend Yield — —

Frequently Asked Questions

Based on our detailed analysis, UPST is currently the stronger investment candidate based on our comprehensive scoring model.

We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.

Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.