NASDAQFinancialsCredit ServicesSnapshot 2026-07-31
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Create your account →Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Consumer Finance is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue growth is accelerating — up about 58% over the past year.
View GrowthRanks in the weakest quality tier of its industry — roughly the bottom 16%, softest on free-cash-flow margins.
View QualityManagement screens weak on capital allocation, margins, the balance sheet, market reaction to earnings.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationThis stock is highly volatile — it swings about 3% on a typical day and fell roughly 71% in its worst 12-month stretch.
View RiskUPST's growth in the financial sector relies on improving execution quality. Recent performance has been weak, with reported profits not well backed by cash. The stock trades at 3.6× price-to-book, above the 2.0× peer median. This suggests that the price reflects less growth than expected. A specific risk is the 28% chance of missing guidance on the next call. Peer multiples imply a price about 22% below where it trades; this read is provisional.
Trailing returns as of 2026-07-31. UPST is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 15 analysts currently covering UPST (as of Jul 2026).
Based on 7 Wall Street analysts offering 12-month price targets for UPST in the last 4 months.
A consensus fair price across 8 valuation methods, at three horizons. As of 2026-08-01. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Consumer Finance — fair value, gap to price, and forward P/E.
Increased competition from chipmakers could impact market position.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-07-31. EPS is implied from price ÷ P/E. Not investment advice.
Current $27.44
The last 12 months of price, then the range of analyst 12-month targets from today’s $27.44.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Funding risks could significantly impact business model.
Securities class action could affect investor confidence.
Potential fraud class action poses significant risk.
Legal actions could undermine market perception.
Insider buying signals confidence in company value.
Auto loan push could significantly enhance revenue growth.
Legal actions could undermine market perception.
