UPST vs U
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Aug 18, 2026
UPST
48.8
AI Score
VS
UPST Wins
U
36.6
AI Score
Investment Advisor Scores
U
37score
Recommendation
SELL
AI Analyst Insights
AI insights temporarily unavailable
Detailed Metrics Comparison
| Metric | UPST | U | Winner |
|---|---|---|---|
| Revenue | 1.05B | 373.25M | U |
| Net Income | -371.22M | -197.73M | UPST |
| Net Margin | -35.2% | -53.0% | U |
| Operating Income | -383.63M | -209.02M | UPST |
| ROE | -12.2% | -30.9% | U |
| ROA | -5.6% | -9.9% | U |
| Total Assets | 6.66B | 2.00B | U |
| Cash | 2.35B | 516.58M | U |
| Free Cash Flow | 268.42M | 32.60M | U |
Relative Price Performance (Last 90 Days)
UPST 1M: +9.8%
· 3M: +5.0%
U 1M: +62.2%
· 3M: +83.8%
Current Technical Phase
UPST
NeutralHold
Mixed signals - no dominant trend phase, RSI 52
U
MarkupHold / add on dips
Price above SMA50, rising 50-day trend (16.9% over 20 days), RSI 80
Fundamentals Snapshot
| Metric | UPST | U |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 9.3 | 27.0 |
| Trailing P/E | 58.9 | — |
| Revenue (TTM) | — | — |
| Revenue Growth | 0.4% | 0.2% |
| Gross Margin | 0.8% | 0.8% |
| Operating Margin | 0.1% | -0.1% |
| EPS | 0.49 | -1.35 |
| Dividend Yield | — | — |
Frequently Asked Questions
Based on our detailed analysis, UPST is currently the stronger investment candidate, winning 2 of the key financial metrics 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.