UPST

As of 2026-09-10, UPST scores 32out of 100 on QNTM’s five-factor quantitative model, a low conviction reading. The score blends momentum, quality, volume, value and sentiment, then adjusts for the current macro regime. UPST trades at $25.10, within its fair-value band.

UPST scores 32 out of 100 on QNTM's five-factor model — a low-conviction reading — at 32 the factor profile is among the weaker names in the universe. Its strongest factor is value at 50 (solid), where it screens cheap on the model's valuation inputs, followed by volume at 43. The weakest is sentiment at 2, where sentiment signals are working against it. Among Financials stocks it sits in the lower 9% of Financials names by composite.

On valuation, UPST is priced near the floor of its own recent range — the cheap end on the model's valuation read. The profile is lopsided — a few factors carry it while others drag, so the composite masks real disagreement underneath. The blended composite before the macro overlay was 32. Same-sector names the model rates nearby include OSCR, MRX, VCTR.

This is a descriptive factor read on UPST, recomputed each trading day and shown with its reasoning — not a recommendation to buy, hold or sell. The score reflects where UPST sits on the model's measures today, and can change as new data arrives.

FACTOR BREAKDOWN

VALUATION RANGE

QNTM’s descriptive fair-value band for UPST runs $23.89–$45.47. Current price $25.10 sits within its fair-value band. This is valuation context, not a price target.

OTHER FINANCIALS NAMES

QNTM provides quantitative model outputs for informational and educational purposes only. It is not investment advice and QNTM is not a registered investment adviser. Scores are rankings, not buy/sell recommendations. Data as of 2026-09-10.