Valuation
Financial ServicesLive · Yahoo FinancePrice
$30.50
52-Week Range
Decision Context
Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.
Based on filing period ending Mar 2026
FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.
Macro Context
SWOT Analysis — UPST
Inflationary BoomStrengths
Net Income: $53.6M (+141.7% YoY) — Profit grew 142% — the company kept more of each dollar earned.
EPS (Diluted): $0.45 (+131.3% YoY) — Earnings per share rose 131% — each share earned more.
Revenue: $1.0B (+64.0% YoY) — Revenue grew 64% — the company sold more goods or services than the prior year.
Total Assets: $3.0B (+25.7% YoY) — Total assets grew 26% — the company's resource base expanded.
Weaknesses
Operating Cash Flow: -$147.7M (-179.3% YoY) — Negative operating cash flow — the business consumed more cash than it produced from operations.
Opportunities
No clear opportunities identified at this time.
Threats
Negative operating cash flow of $147.7M — the core business consumed more cash than it generated.
Total liabilities represent 73% of total assets — elevated leverage that amplifies both gains and losses.
Financial Charts
Revenue vs Net Income
Margin Trend
Operating Cash Flow
Year-over-Year Changes
Operating Cash Flow
-$147.7M
was $186.3M
Negative operating cash flow — the business consumed more cash than it produced from operations.
Net Income
$53.6M
was -$128.6M
Profit grew 142% — the company kept more of each dollar earned.
EPS (Diluted)
$0.45
was $-1.44
Earnings per share rose 131% — each share earned more.
Revenue
$1.0B
was $636.5M
Revenue grew 64% — the company sold more goods or services than the prior year.
Total Assets
$3.0B
was $2.4B
Total assets grew 26% — the company's resource base expanded.
Risk Flags
1 high · 1 medium · 0 low- ⚠ High
Negative operating cash flow of $147.7M — the core business consumed more cash than it generated.
- ◈ Medium
Total liabilities represent 73% of total assets — elevated leverage that amplifies both gains and losses.
Price History
Technical Signals
Daily closes · 1-year dataLatest News
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External Links
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Data sourced from SEC EDGAR, FRED (Federal Reserve Economic Data), and Yahoo Finance. For informational purposes only. Not financial advice.