UPST vs U
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Aug 01, 2026
UPST
55.3
AI Score
VS
U Wins
U
56.5
AI Score
Investment Advisor Scores
U
57score
Recommendation
HOLD
AI Analyst Insights
AI insights temporarily unavailable
Detailed Metrics Comparison
| Metric | UPST | U | Winner |
|---|---|---|---|
| Revenue | 373.25M | 508.24M | U |
| Net Income | -197.73M | -347.61M | UPST |
| Net Margin | -53.0% | -68.4% | UPST |
| Operating Income | -209.02M | -351.41M | UPST |
| ROE | -30.9% | -11.7% | U |
| ROA | -9.9% | -5.3% | U |
| Total Assets | 2.00B | 6.52B | U |
| Cash | 516.58M | 2.14B | U |
| Free Cash Flow | 32.60M | 66.46M | U |
Relative Price Performance (Last 90 Days)
UPST 1M: -23.2%
· 3M: -13.1%
U 1M: +5.0%
· 3M: +20.0%
Current Technical Phase
UPST
MarkdownSell / avoid
Price below a falling SMA50 (slope -0.8%), weak momentum, RSI 38
U
MarkupHold / add on dips
Price above SMA50, rising 50-day trend (5.4% over 20 days), RSI 58
Fundamentals Snapshot
| Metric | UPST | U |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 8.2 | 24.1 |
| Trailing P/E | 64.4 | — |
| Revenue (TTM) | — | — |
| Revenue Growth | 0.4% | 0.2% |
| Gross Margin | 0.8% | 0.7% |
| Operating Margin | 0.0% | -0.2% |
| EPS | 0.42 | -1.63 |
| Dividend Yield | — | — |
Frequently Asked Questions
Based on our detailed analysis, U is currently the stronger investment candidate, winning 6 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.