UPST vs U

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Oct 02, 2026

UPST

44.6
AI Score
VS
UPST 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, 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.