Upstart Holdings, Inc. is the 22nd largest of 51 graded companies. Showing 5 of them, including UPST itself. 1 more is in this industry but has no grade yet, so it is left out rather than shown blank.
| Company | Grade | Market value | Revenue | Profit margin | Free cash flow | Price to earnings |
|---|---|---|---|---|---|---|
| Visa Inc.V | A+ | — | $45.9B | 51.2% | $22.1B | — |
| Mastercard IncorporatedMA | B+ | $579.2B | $36.3B | 46.7% | $16.1B | 34.58 |
| American Express Co.AXP | A | $215B | $77.6B | 15.8% | $13.9B | 18.05 |
| Capital ONE Financial Corp.COF | A+ | $117.3B | $63B | 17.2% | $26.3B | 11.16 |
| Upstart Holdings, Inc.UPST | D | $1.9B | $1.3B | 4.9% | -$187M | 33.15 |
46 more credit services companies
Graded on the same five checks, from their own SEC filings.
Three ratings, each a percentile against the 51 companies we cover in Credit Services. Deliberately kept apart rather than blended into one score — cheap, rising and well-run are three different facts, and a single number would hide which one is which.
Below most of its industry
The most recent month is left out on purpose: returns tend to persist over 7–12 months and the newest one tends to reverse. This describes what the price has done, and says nothing about what it will do.
Below most of its industry
Yields, so higher means cheaper — a loss-making company ranks last instead of dropping out. Cheap is not the same as good: a high yield is often a price that fell for a reason. All five measures available.
1 check not reported
What management does with the money — scored on whatever the filings answer, never as a share of the total.
A description of where this company sits among its competitors, not a recommendation. Ratings updated Nov 15, 2026.
A blank price-to-earnings means a loss, not a missing figure — the ratio has no meaning when there are no earnings to divide by, and printing a negative one would make the least profitable company look the cheapest.
Grades are trailing twelve months from each company’s own SEC filings, so they move only when a company files. Every column is computed by the same code that graded Upstart Holdings, Inc. on the overview — nothing here comes from a data vendor’s own ratios.
Industry membership is not a judgement about how similar two businesses are. It groups companies by what they are classified as, which is a starting point for comparison rather than a claim that they compete.
$19.56+2.1%Nov 13 close
Figures through September 30, 2026, from the 10-Q filed November 3, 2026
Upstart charges banks, credit unions and investors to assess loan applications and connect them with consumers seeking personal, auto and home-equity loans.
Company outlook: revenue of about $1.3B for Fiscal year 2026 — up 26.5% on a year earlier, slower than the 33.7% just reported