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Try Stocky free →Avoid. While Upstart trades at a reasonable 9.2× forward P/E and leadership alignment is solid (72.3/100), the Growth Compounder Score of 43.2 reflects slowing revenue momentum insufficient to justify equity ownership. The critical vulnerability: lending partner concentration—a handful of partners drive material originations—creates revenue cliff risk if any exit, and institutional capital access constraints limit scaling optionality. Valuation compression reflects these structural headwinds.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for UPST:
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Stocky rates UPST (UPST) at 32/100 — an Avoid — fundamentals or risks are too weak. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Avoid. While Upstart trades at a reasonable 9.2× forward P/E and leadership alignment is solid (72.3/100), the Growth Compounder Score of 43.2 reflects slowing revenue momentum insufficient to justify equity ownership. The critical vulnerab
UPST's current Stocky Verdict is 32/100, placing it in the "Avoid" band. This composite combines a 30/100 Compounder score, 72/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for UPST yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
UPST scores 72/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
UPST's Vulnerability Profile scores 17/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to UPST.
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