UPST vs CVNA

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Oct 02, 2026

UPST

44.6
AI Score
VS
CVNA Wins

CVNA

55.8
AI Score

Investment Advisor Scores

UPST

45score
Recommendation
HOLD

CVNA

56score
Recommendation
HOLD

AI Analyst Insights

Detailed Metrics Comparison

Metric UPST CVNA Winner
Forward P/E 13.587 29.8507 UPST
PEG Ratio 0 -0.13 Tie
Revenue Growth 42.3% 52.4% CVNA
Earnings Growth 211.2% 61.5% UPST
Tradestie Score 44.6/100 55.8/100 CVNA
Profit Margin 4.7% 6.3% CVNA
Beta 1.00 1.00 Tie
AI Recommendation HOLD HOLD Tie

Relative Price Performance (Last 90 Days)

UPST 1M: -16.2% · 3M: -34.0% CVNA 1M: -12.7% · 3M: -8.1%

Current Technical Phase

UPST

Markdown
Sell / avoid

Price below a falling SMA50 (slope -9.5%), weak momentum, RSI 31

RSI (14): 31.3 · Price: $22.95

CVNA

Neutral
Hold

Mixed signals - no dominant trend phase, RSI 41

RSI (14): 41.2 · Price: $63.04

Fundamentals Snapshot

Metric UPST CVNA
Market Cap — —
Forward P/E 6.6 27.8
Trailing P/E 44.2 33.6
Revenue (TTM) — —
Revenue Growth 0.4% 0.5%
Gross Margin 0.8% 0.2%
Operating Margin 0.1% 0.1%
EPS 0.52 1.86
Dividend Yield — —

Frequently Asked Questions

Based on our detailed analysis, CVNA 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.