NASDAQ · STOCK
Upstart Holdings
$31.80
52W $23.96 – $87.30
51/100
$3.16B
64.0
2.20
Bull & Bear Case
Bull Case
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- MACD histogram is negative (-0.109) — bearish momentum.
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
- Bearish candlestick pattern(s) detected: Three Black Crows.
AI Investment Committee
Committee Consensus
As of July 08, 2026
Overall Committee Score
51/100
The AI Investment Committee is an ensemble of six specialized analytical agents: Value Analyst, Technical Analyst, Growth Analyst, Risk Analyst, Macro Analyst, and News Analyst. Each agent independently evaluates UPST using dedicated data signals, then the committee aggregates their verdicts into a final score and recommendation. This multi-agent approach reduces individual model bias and provides a more balanced investment assessment.
Technical Analysis
RSI (14)
36.6
Neutral
MACD Histogram
-0.109
Bearish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$31.43
Resistance
$35.80
Bollinger %B
0.33
Inside Bands
Price vs Moving Averages
EMA 9
$33.41
Below
EMA 21
$32.82
Below
EMA 50
$31.93
Below
EMA 200
$37.95
Below
Fundamental Analysis
Valuation
21
Growth
100
Profitability
45
Financial Health
55
Valuation
P/E Ratio
64.0×
P/B Ratio
5.33×
PEG Ratio
—
Dividend Yield
—
52W High
$87.30
52W Low
$23.96
Quality & Growth
ROE
729.0%
ROA
201.0%
Gross Margin
8218.0%
Operating Margin
411.0%
Revenue Growth YoY
+5769.0%
Debt / Equity
2.29
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 64.0 (rich relative to a 15-40x range); Price-to-book of 5.3x; Revenue growth (YoY) of 57.7%; Return on equity of 7.3%; Return on assets of 2.0%; Net margin of 4.3%; Gross margin of 82.2%; Current ratio of 2.15 (healthy short-term liquidity); Debt-to-equity of 2.29; Earnings-history trend unavailable; growth based on TTM year-over-year only.
Key Risks
- MACD histogram is negative (-0.109) — bearish momentum.
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
- Bearish candlestick pattern(s) detected: Three Black Crows.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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