Upstart Holdings, Inc. (UPST) on Decifer

Why it ranks here

• Its returns on invested money are modest, around 2%.
• Revenue is growing about 59% a year, profits grew 139% over the past year, and growth is speeding up, not slowing down.
• It keeps a high share of every sale as profit, and that has stayed steady over the years, a sign of real pricing power.
• It is riding an active market tailwind but its balance sheet leaves little room to fund growth.
• We do not have a clean read on how it is run yet.
• Our durability check found pressure on this name, which costs it a few points.

The current read

The evidence on UPST lines up on the supportive side: the intelligence feed flags this name as connected to what is moving markets now. The independent signals we track are telling the same story.

Themes

• Fintech: Upstart Holdings, Inc. sits in the ai lending layer of the Fintech story.
• Digital Assets & Crypto: Upstart's AI-driven lending marketplace uses machine learning to underwrite personal and auto loans. Loan origination volumes are directly driven by bank partner risk appetite, which expands as credit stress eases and interest rates fall. Upstart has 100+ bank and credit union partners. The AI model is claimed to approve 27% more applicants at equal or better default rates than traditional FICO.

Read the full UPST research brief · See all quality rankings

Intelligence data powered by Decifer. Not financial advice. For informational purposes only.