GURU.Markets stock price, segment price, and overall market index valuation
The company's share price UPST
Upstart is a fintech platform that uses AI to assess credit risk. Its stock price is characterized by extreme volatility. The chart reflects both investor confidence in the disruptive technology and the sensitivity of its business model to rising interest rates and capital market conditions.
Share prices of companies in the market segment - Consumer lending
Upstart is a fintech platform that uses AI to assess credit risks. The company operates in the consumer lending segment. The chart below shows the dynamics of this technology segment, which is highly dependent on interest rates and banks' risk appetite.
Broad Market Index - GURU.Markets
Upstart is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional FICO scoring. As a technological innovator, it is included in the GURU.Markets index. The chart below compares its performance with the overall market.
Change in the price of a company, segment, and market as a whole per day
UPST - Daily change in the company's share price UPST
The volatility of Upstart Holdings (UPST), a fintech company using AI for consumer lending, is reflected in Change_Co, which is hypersensitive to interest rate changes, credit risk, and new partnerships. Change_Co is a measure of the high volatility inherent in disruptive technology business models. In our formulas, it allows us to assess the company's performance at the intersection of AI and finance.
Daily change in the price of a set of shares in a market segment - Consumer lending
Upstart Holdings, Inc. is a fintech platform that uses AI to assess credit risks. This chart demonstrates the sector's extreme volatility. Comparison with UPST's dynamics, whose model relies on banks' risk appetite, helps to understand its high sensitivity to credit market conditions.
Daily change in the price of a broad market stock, index - GURU.Markets
Upstart is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. This sector is growing rapidly but faces regulatory risks. The chart below illustrates overall market volatility, making Upstart's performance particularly volatile.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization UPST
Upstart, a fintech platform that uses AI to assess credit risk, has adapted to the high-interest rate environment over the past year. Its year-over-year share price performance, shown in the chart, reflects the market's appreciation of its technology and its ability to raise capital.
Annual dynamics of market capitalization of the market segment - Consumer lending
Upstart Holdings, Inc. is a fintech platform that uses AI to assess credit risks, allowing banks to issue more loans. Its business model is highly dependent on the availability of capital and investor risk appetite. The chart clearly demonstrates this high volatility and dependence on capital markets.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
Upstart, with its AI-powered lending platform, is a story of extreme volatility. The company's stock price reacts with extreme force to changes in interest rates and the state of the credit markets. The chart is a barometer of investor risk appetite, which greatly amplifies both positive and negative economic cycles.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization UPST
Upstart, a fintech platform that uses AI to assess credit risks, charts monthly fluctuations that reflect the volume of loans issued through its platform, investor willingness to buy these loans, and the overall situation in the consumer lending market.
Monthly dynamics of market capitalization of the market segment - Consumer lending
This chart reflects the dynamics of the fintech sector. For Upstart, with its AI-powered lending platform, it's the backdrop. Its highly volatile movements demonstrate how interest rates and the state of the credit markets affect its business model, which depends on investors' risk appetite.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
Upstart is a fintech platform that uses AI to assess borrowers' creditworthiness. The company aims to replace traditional scoring models. The chart below shows general market fluctuations. How does Upstart's volatile history, dependent on the credit market, compare to these trends?
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization UPST
Upstart, a fintech platform that uses AI to assess creditworthiness, exhibits high volatility. Its weekly stock price is a sharp response to changes in interest rates, the state of the credit market, and investor sentiment toward innovative finance.
Weekly dynamics of market capitalization of the market segment - Consumer lending
Upstart, like other fintech platforms, is highly dependent on the state of credit markets and investor risk appetite. Interest rate fluctuations and general recession fears create high volatility for the entire sector. The chart below shows how Upstart fares in this general context compared to other fintech companies.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
Upstart, as a fintech company, is the epitome of a risk-on asset. During periods when risk appetite reigns supreme, Upstart shares can experience explosive growth. Conversely, during periods of risk aversion, they experience steeper declines. The chart will show how much UPST amplifies overall market movements, reflecting investor sentiment.
Market capitalization of the company, segment and market as a whole
UPST - Market capitalization of the company UPST
Upstart's chart is a visualization of an attempt to reimagine credit scoring using AI. The platform aims to assess borrowers more accurately than traditional models. Its market capitalization dynamics reflect investors' faith (or skepticism) in this technology and its ability to operate in different economic conditions, highlighting the risks and potential of fintech.
UPST - Share of the company's market capitalization UPST within the market segment - Consumer lending
Upstart uses artificial intelligence to assess borrowers' creditworthiness, going beyond traditional scoring models. Its share of the fintech sector's market capitalization reflects investors' faith in its breakthrough technology. The chart below shows the high volatility of its score, which depends on the state of the credit markets.
Market capitalization of the market segment - Consumer lending
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The chart below shows the fintech sector's market capitalization. Its volatility reflects both the enormous potential and the risks of disruptive financial technologies.
Market capitalization of all companies included in a broad market index - GURU.Markets
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The company's valuation is a bet on AI's ability to more accurately identify risks. Its stake in the financial sector represents the potential for a breakthrough in lending, potentially making loans more accessible.
Book value capitalization of the company, segment and market as a whole
UPST - Book value capitalization of the company UPST
Upstart's foundation isn't its factories, but its AI-powered platform. Its book value consists of cash, capitalized costs of developing unique algorithms for credit risk assessment, and server infrastructure. The chart below shows how the company has accumulated capital to finance and develop its technology platform.
UPST - Share of the company's book capitalization UPST within the market segment - Consumer lending
Upstart's platform is digital, but its operation is supported by powerful servers and data centers. This IT infrastructure is its physical foundation. The S_BCap_Seg chart shows how its share of tangible assets, typical of a fintech company, compares to traditional banks.
Market segment balance sheet capitalization - Consumer lending
The chart shows the significant book value of the consumer lending sector. Compared to this, Upstart, as an AI platform, appears "super lightweight." The company doesn't hold loans on its balance sheet, but connects borrowers with banks. Its main asset is its algorithm, not capital.
Book value of all companies included in the broad market index - GURU.Markets
Upstart isn't a bank, but a technology platform, but its balance sheet contains a portfolio of issued loans. These financial assets reflect real consumer purchases and investments. Against the backdrop of the overall economy depicted in the chart, Upstart represents a new, AI-powered way to allocate capital to the real sector.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - UPST
Upstart's balance sheet is its equity and loan portfolio. Its market cap is a highly volatile bet on its AI-powered lending model. The MvsBCap_Co chart shows extreme swings from enormous faith in the technology to deep skepticism about its ability to predict real-world defaults.
Market to book capitalization ratio in a market segment - Consumer lending
Upstart uses artificial intelligence to assess credit risks, aiming to replace traditional scoring models. Its value lies in its algorithms and data. The chart shows the speculative premium the market places on its technology, reflecting its belief in its ability to transform the consumer lending industry.
Market to book capitalization ratio for the market as a whole
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, partnering with banks and credit unions. The company's value lies in its algorithms and technology platform, not in physical assets. This chart clearly demonstrates how fintech companies disrupting traditional industries can be valued very differently by the market.
Debts of the company, segment and market as a whole
UPST - Company debts UPST
The debt strategy of Upstart, a fintech platform that uses AI to assess creditworthiness, reflects its business model. This chart shows how the company raises capital to finance loans issued through its platform before selling them to investors. Debt here represents temporary working capital needed to operate the loan pipeline.
Market segment debts - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to improve on traditional scoring models. As a fintech company, it doesn't bear credit risk directly, but its growth depends on partnerships with banks. This chart provides insight into the financial structure the company is building to scale its innovative platform.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio UPST
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to disrupt traditional lending. This chart shows the fintech platform's financial model. The debt-to-equity ratio here reflects its strategy for funding its operations and managing the risks associated with holding loans on its balance sheet.
Market segment debt to market segment book capitalization - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to disrupt the consumer lending market. This chart illustrates debt trends in the sector. It provides insight into the sustainability of Upstart's business model, which relies on investors' risk appetite, and how the company manages its capital.
Debt to book value of all companies in the market
Upstart, a fintech lending platform, is highly dependent on investor risk appetite. The chart showing the overall debt level in the market essentially visualizes this appetite. It helps understand how vulnerable Upstart's business model is to general market downturns, when investors reduce risk and stop buying credit assets, which directly impacts the company's volume.
P/E of the company, segment and market as a whole
P/E - UPST
For Upstart, a fintech platform that uses AI to assess credit risks, this metric is a barometer of trust in its model. Its extremely high P/E ratio previously reflected hopes for a revolution in lending. Its sharp decline is due to rising interest rates, which has called into question the effectiveness of its algorithms in a stressed market.
P/E of the market segment - Consumer lending
This is the average P/E for fintech companies. For Upstart, with its AI-powered lending model, this is an important but challenging benchmark. Its P/E was abnormally high and then collapsed. This chart helps us understand how the sector as a whole is valued after the initial hype has died down, and how Upstart's valuation compares.
P/E of the market as a whole
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. It's a fintech company with enormous potential, but also high risks. Compared to this chart, which reflects the average market valuation, Upstart looks like a stock whose price is a barometer of investor appetite for disruptive yet volatile technologies.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company UPST
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The company's future depends on the accuracy of its algorithms and the willingness of banks to use its platform. This chart shows investors' speculative expectations about whether Upstart will transform the consumer lending industry.
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Future (projected) P/E of the market segment - Consumer lending
Upstart is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. The company aims to replace traditional credit scoring with more accurate models. This is a risky business, dependent on the quality of its algorithms. The chart reflects industry expectations, allowing us to gauge the level of investor confidence in Upstart's technology.
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Future (projected) P/E of the market as a whole
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to make loans more accessible. Their business model depends on the risk appetite of their partner banks and the state of the economy. This graph of general expectations reflects market sentiment. Optimism and confidence in low unemployment make banks more inclined to use innovative scoring models like Upstart's.
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Profit of the company, segment and market as a whole
Company profit UPST
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, providing its platform to banks. This chart illustrates the potential and risks of fintech innovation. The company's profit depends on the volume of loans issued through its platform and the accuracy of its AI models. Economic downturns and rising default rates pose a serious challenge to its business model.
Profit of companies in the market segment - Consumer lending
Upstart Holdings, Inc. uses artificial intelligence to assess borrowers' creditworthiness in partnership with banks. The profitability of this fintech platform depends on banks' risk appetite and the state of the credit market. This chart illustrates the volatility in the sector, where innovative risk assessment models face a reality check during economic downturns.
Overall market profit
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The company's business depends on the risk appetite of its partner banks and the overall state of the credit market. Its successes and failures are an indicator of how new technologies are changing the conservative financial industry.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company UPST
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, providing its platform to banks and credit unions. The company's profit forecast depends on loan volumes issued and the accuracy of its AI models. This chart illustrates analysts' confidence in Upstart's ability to disrupt traditional lending and manage risk in a changing economy.
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Future (predicted) profit of companies in the market segment - Consumer lending
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The company's platform helps banks issue more loans with less risk. This chart shows profitability forecasts for the consumer lending sector, demonstrating how successfully new technologies are transforming the conservative world of finance.
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Future (predicted) profit of the market as a whole
Upstart uses artificial intelligence to assess borrowers' creditworthiness in partnership with banks. The company's business model is tested under various economic conditions. This graph, reflecting profit expectations, influences banks' risk appetite and the quality of borrowers. Stable economic growth reduces risks and makes Upstart's model more attractive to partners.
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P/S of the company, segment and market as a whole
P/S - UPST
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The company's revenue comes from fees paid by partner banks for using its platform. The chart below shows how investors assess its potential to disrupt the lending industry, but also the risks associated with the effectiveness of its AI models during the crisis.
P/S market segment - Consumer lending
Upstart Holdings, Inc. is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. The company partners with banks to provide more accurate and affordable loans. This chart reflects how investors view innovative lending approaches, providing context for analyzing Upstart's business model.
P/S of the market as a whole
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. The company's platform is used by banks and lenders. This chart, showing average scores, clearly demonstrates the gap between traditional businesses and fintech companies promising to revolutionize the industry.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company UPST
Upstart Holdings is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. This chart shows how investors estimate the company's future revenue from partner banks. It reflects their belief in the superiority of Upstart's AI model over traditional scoring systems and its ability to grow lending volumes.
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Future (projected) P/S of the market segment - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness in an effort to improve access to credit. This chart shows how the market estimates the company's future earnings. It illustrates how investors believe Upstart's AI model is superior to traditional scoring systems, especially in a volatile interest rate environment.
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Future (projected) P/S of the market as a whole
This revenue projection chart reflects a belief in new approaches to lending. Using artificial intelligence to assess borrowers' creditworthiness, Upstart aims to make loans more accessible. Their ability to attract banking partners and the volume of loans issued demonstrate the financial industry's willingness to embrace innovation for future growth.
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Sales of the company, segment and market as a whole
Company sales UPST
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to make loans more accessible. The company doesn't issue loans itself, but instead earns revenue through commissions from partner banks for each client acquired through its platform. This chart shows how rapidly the volume of loans issued through its innovative model is growing.
Sales of companies in the market segment - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, going beyond traditional scoring. The platform helps banks issue more loans with lower risk. This chart shows total revenue in the consumer lending sector. It reflects lending volumes and banks' demand for the innovative risk assessment technologies Upstart offers.
Overall market sales
Upstart is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. It partners with banks, providing them with the technology to issue loans. The volume of loans issued depends on consumer demand and banks' risk appetite. The overall economic situation influences both of these factors, shaping Upstart's business activity.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company UPST
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. Its revenue comes from fees from partner banks. The chart shows analysts' revenue forecasts, which are a bet that more lenders will use Upstart's platform to issue loans.
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Future (projected) sales of companies in the market segment - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to make loans more accessible. The platform partners with banks to issue consumer loans. This chart shows projected revenues for the entire consumer lending sector, reflecting analysts' expectations for loan demand and the impact of new technologies on the industry.
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Future (projected) sales of the market as a whole
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness in partnership with banks. The volume of loans issued through its platform depends on banks' risk appetite and demand for loans. This general economic activity pattern influences both these factors, determining both people's willingness to borrow and lenders' willingness to finance them.
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Marginality of the company, segment and market as a whole
Company marginality UPST
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness in partnership with banks. This metric reflects the economics of its innovative model. It shows what share of the company's fees from partner banks it converts into net profit, which is highly dependent on the volume of loans issued and the accuracy of its algorithms.
Market segment marginality - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness in partnership with banks. The effectiveness of its model is the foundation of its entire business. This chart shows the company's operating metrics compared to other fintech players and lenders, reflecting how effectively its algorithms enable banks to issue loans with an acceptable level of risk and return.
Market marginality as a whole
Upstart is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness, partnering with banks. Their goal is to expand access to credit. This overall profitability curve influences the risk appetite of partner banks. During periods of economic uncertainty, banks may tighten lending requirements, which impacts Upstart's volumes.
Employees in the company, segment and market as a whole
Number of employees in the company UPST
Upstart Holdings is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. This chart shows the innovative company's growth dynamics. Headcount increases, particularly in data science and development, reflect the refinement of its AI models and the expansion of partnerships with banks and credit unions.
Share of the company's employees UPST within the market segment - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness. This chart shows the percentage of data and AI specialists the company employs in the consumer lending sector. The team is transforming lending, striving to make it more accessible and equitable.
Number of employees in the market segment - Consumer lending
Upstart Holdings, Inc. uses artificial intelligence to assess borrowers' creditworthiness, aiming to make loans more accessible. This chart shows overall employment in the consumer lending sector, illustrating the vast market Upstart is trying to transform. It's crucial for the company to attract top data scientists to improve its models.
Number of employees in the market as a whole
Upstart uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional scoring models. This chart shows how the fintech company is scaling its team. The increase in data scientists and engineers indicates the company is improving its algorithms and connecting new partner banks to its innovative platform.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company UPST (UPST)
Upstart Holdings uses AI to assess borrowers' creditworthiness. This chart shows that it's a tech company, not a bank. It has no loans on its balance sheet. Its entire value lies in its algorithms and platform. Its exceptional capitalization per employee reflects its intellectual property and the potential of its data-driven model.
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Market capitalization per employee (in thousands of dollars) in the market segment - Consumer lending
Upstart is a fintech platform that uses AI to assess borrowers' creditworthiness, replacing traditional FICO scoring. It's an asset-light (IP-based business) model that relies on partner banks. This metric, compared to the industry average, reflects the market's confidence in their technology per engineer.
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Market capitalization per employee (in thousands of dollars) for the overall market
Upstart Holdings, Inc. is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness. The company's value lies in its algorithms, not its large staff. Its high capitalization per employee reflects the technology's potential to radically transform the lending industry, making it more efficient than traditional banks.
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Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company UPST (UPST)
Upstart Holdings is a fintech platform that uses AI to assess borrowers' creditworthiness, aiming to replace traditional FICO scoring. They don't issue loans themselves, but rather provide the technology to banks. This chart shows the effectiveness of their AI model: it measures how much net profit each employee (engineer, data analyst) generates.
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Profit per employee (in thousands of dollars) in the market segment - Consumer lending
Upstart is an "AI fintech" platform. They're not a bank, but a SaaS platform that provides AI scoring (risk assessment) to banks for lending. This chart shows the benchmark for "Consumer Lending" (Fintech). This benchmark (likely negative) is volatile. It reflects the "tech" margins (SaaS) and risks (when the AI gets it wrong).
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Profit per employee (in thousands of dollars) for the market as a whole
Upstart (UPST) is a fintech platform that uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional FICO scoring. They offer their platform to banks. This graph, showing average profit per employee, allows us to assess how much the fintech sector, where algorithms and data analytics are more important than headcount, outperforms the "average" labor efficiency.
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Sales to employees of the company, segment and market as a whole
Sales per company employee UPST (UPST)
For Upstart, a fintech platform that uses AI to assess creditworthiness, this chart demonstrates the effectiveness of its algorithms. The growth in revenue per employee demonstrates the platform's ability to process a large number of loan applications for partner banks, automating the process and increasing volumes.
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Sales per employee in the market segment - Consumer lending
Upstart Holdings is a fintech platform that uses AI to assess borrower creditworthiness for partner banks. This metric reflects the average revenue per employee by segment. It helps assess how effectively Upstart generates revenue (bank fees) through its team of technologists and analysts compared to other fintech companies.
Sales per employee for the market as a whole
Upstart (UPST) is a fintech platform that uses AI to assess borrowers' creditworthiness, providing its services to banks. This metric reflects the scalability of their AI model. The growth in revenue (commissions from banks) per employee (primarily engineers and analysts) demonstrates that their platform is processing an increasing number of loan applications without requiring manual underwriting.
Short shares by company, segment and market as a whole
Shares shorted by company UPST (UPST)
Upstart Holdings uses an artificial intelligence platform to assess borrowers' creditworthiness in partnership with banks. Its business model is extremely sensitive to interest rates and the credit cycle. This chart shows the massive bets against the company, based on the assumption that its AI models won't be able to cope with rising defaults during an economic downturn.
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Shares shorted by market segment - Consumer lending
Upstart (UPST) is a fintech platform that uses AI to assess borrowers' creditworthiness, partnering with banks to issue consumer loans. This chart shows the overall short position in the consumer lending sector. It reflects strong investor skepticism about the ability of their AI models to perform in a recessionary environment and rising default rates.
Shares shorted by the overall market
Upstart (UPST) uses AI to assess creditworthiness. When Short_All rises, it signals recession fears. This pessimism is toxic for UPST: investors (who buy their loans) panic and avert risk, while the quality of the loans themselves plummets amid rising unemployment, undermining their entire AI model.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator UPST (UPST)
Upstart is a fintech company that uses AI to assess credit risk (instead of FICO). This chart measures hype and fear. News that their AI is performing better than expected could trigger explosive euphoria (above 70). Rising rates (killing demand for loans) would send this chart crashing into panic mode (below 30).
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RSI 14 Market Segment - Consumer lending
Upstart Holdings uses artificial intelligence to assess borrowers' creditworthiness, aiming to replace traditional FICO scoring. It's a fintech company dependent on banks' risk appetite. This chart measures the collective momentum in the consumer lending and fintech sectors. It helps assess whether UPST's volatility is unique or an industry-wide "frenzy."
RSI 14 for the overall market
Upstart (UPST) is a fintech platform that uses AI to assess borrower creditworthiness for partner banks. Their business is issuing unsecured loans, which is hypersensitive to market sentiment. This indicator, showing panic (low values), signals a credit market contraction. Banks stop taking risks, and the UPST platform becomes idle. During periods of euphoria (high values), demand for loans is at its highest.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast UPST (UPST)
Upstart (UPST) is a fintech platform that uses AI to assess borrowers' creditworthiness, going beyond traditional FICO scoring. They partner with banks to issue consumer loans. The chart shows the median Wall Street forecast, reflecting the polarized opinions of analysts on the accuracy of their AI models amid rising rates and recession risks.
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The difference between the consensus estimate and the actual stock price UPST (UPST)
Upstart is a fintech platform that uses AI to assess borrowers' creditworthiness (scoring), challenging traditional FICO. This chart shows the difference between the consensus forecast and the price. It reflects whether analysts believe in Upstart's technology or consider its model too risky in a high-interest environment.
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Analyst consensus forecast for stock prices by market segment - Consumer lending
Upstart is a fintech platform that uses AI to assess the creditworthiness of borrowers often overlooked by traditional banks. This chart shows analysts' overall expectations for the consumer lending sector. It reflects whether experts believe in AI lending models or fear a rise in defaults in the sector.
Analysts' consensus forecast for the overall market share price
Upstart is a fintech company that uses AI to assess credit risk, primarily for unsecured loans. Their business model is critically dependent on investor risk appetite. This market sentiment chart is a barometer for Upstart. Optimism = investors are willing to buy loans. Pessimism = funding taps are turned off, and Upstart's business grinds to a halt.
AKIMA index of the company, segment and market as a whole
AKiMA Company Index UPST
Upstart is a fintech platform that uses AI to assess credit risk, replacing traditional FICO scoring. They are not a bank, but an intermediary. This chart is a summary indicator of trust in their model. It likely measures the volume of loans issued through their platform and, more importantly, their actual performance (default rate) and the risk appetite of their partner banks.
AKIMA Market Segment Index - Consumer lending
Upstart is a fintech that aims to replace FICO; the company uses AI to assess credit risk (instead of traditional scoring), providing its platform to partner banks. This comprehensive index evaluates financial companies. The chart shows the sector average. This benchmark helps understand how Upstart's AI model differentiates it from the average traditional lender.
The AKIM Index for the overall market
Upstart is a fintech platform that uses AI to assess credit risk (instead of FICO). It's a high-tech, but extremely risky business. This chart, which reflects the market average, provides a macro backdrop. It helps assess how Upstart, whose business is a pure bet on risk appetite and rates, stacks up against the overall macroeconomic picture.
