Upstart Holdings, Inc. (UPST) — Credit Services. Numbers-first dossier: valuation, distress risk, calibrated signal.

How we compute this

UPSTpeers & supply-chain relationships

UPST earnings history

Qtick
Sign in
Bid — × — AskUpdated Nov 10, 2026 · 4:00 PM ETVol 8.64M · 3-mo avg 4.27M

Upstart Holdings, Inc. (UPST)

UPSTUpstart Holdings, Inc.loading…
loading…
QTick signal
-1net
2 bull / 3 bear factors · balanced
Bull 2 pts·Bear 3 pts30d
loading…
Market context—Sector read · not on file—Balance sheet · not on file—Inflation-report days · not on fileRiskFalling sharply · sharp-drop risk 71/100 · was 39 on Nov 5 · Nov 101/6Bottom watch · 1 of 6 confirmations
$22.14
near the 52-week low, a recent low and a support level · Nov 9 · price is already 7.8% below it
$24–25
near a round-number price, the 50-day average and the 50-day average trade price · midpoint $24.29 · Nov 9
±$2.12
±10.4% up or down, priced by the options market
Death cross
50-day average is below the 200-day — a downtrend
Elevated
95% of similar setups fell 10% or more within 3 months · 1.2× the usual rate
Death cross
50-day average is below the 200-day — a downtrend
Trading volume53% above normal1.53× its 20-day average
Past year's range$20.41 – $57.95lowest to highest price
From its peak94.9% belowpeak $438.48, highest since 2020
Gain vs. risk0.78 to 1$0.78 possible gain per $1 at risk
Plan fails below$19.38the setup is broken under this price
Momentum (RSI)43.9fires under 35 · fires near $16.75
Accounting warning signs2worth checking — see the list
Price vs. profit44.3× last 12 months
Price vs. its own pastpricier than 22%of the last 5 years · usual P/E 59.1×

Trading heavier than its own normal, price down 8.3%. Over the last 20 sessions, 53% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

4 of 5 aligned — not yet
RSI 14
●
43.9
fires under 35 · fires near $16.75
vs 50-day
✓
$24.36
below the line
Bollinger
✓
$21.26
lower-band pierce
VWAP 20
✓
$22.90
below the rolling VWAP
Entry level
✓
$22.14
below the model level
Put wall
●
—
not on file
MACD
Context●
-0.15
below zero · still falling
RVolStatic
1.53×
heavier than its own normal
Short int.Static
32.7%
32.7% of float short — crowded
ATRStatic
$1.38
14-session average true range
A checklist, not odds on a return: 3 of 5 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2027-02-09
in 61 sessions
Next dividend
No indicated yield
no forward dividend on file