UPST vs U

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Oct 01, 2026

UPST

44.6
AI Score
VS
U Wins

U

57.9
AI Score

Investment Advisor Scores

UPST

45score
Recommendation
HOLD

U

58score
Recommendation
BUY

AI Analyst Insights

Detailed Metrics Comparison

Metric UPST U Winner
Forward P/E 13.587 28.6533 UPST
PEG Ratio 0 0 Tie
Revenue Growth 42.3% 23.9% UPST
Earnings Growth 211.2% 0.0% UPST
Tradestie Score 44.6/100 57.9/100 U
Profit Margin 4.7% -29.0% UPST
Beta 1.00 1.00 Tie
AI Recommendation HOLD BUY U

Relative Price Performance (Last 90 Days)

UPST 1M: -16.2% · 3M: -34.0% U 1M: +6.6% · 3M: +48.7%

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

U

Markup
Hold / add on dips

Price above SMA50, rising 50-day trend (14.1% over 20 days), RSI 57

RSI (14): 56.8 · Price: $43.61

Fundamentals Snapshot

Metric UPST U
Market Cap — —
Forward P/E 6.6 25.1
Trailing P/E 44.2 —
Revenue (TTM) — —
Revenue Growth 0.4% 0.2%
Gross Margin 0.8% 0.8%
Operating Margin 0.1% -0.1%
EPS 0.52 -1.40
Dividend Yield — —

Frequently Asked Questions

Based on our detailed analysis, U 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.