Profitability
Weight: 25%
F
0
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA -1.9%
- Operating Margin Trend -2.76 pp/yr
UPST
Upstart Holdings, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
F
5
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE -8.0%
- 5yr Share-Count CAGR 3.2%
Growth Quality
Weight: 10%
F
8
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR -8.8%
- 5yr EPS CAGR -25.1%
- Positive-EPS Years (5) 2/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -0.76x
Balance Sheet
Weight: 30%
B
74
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 26.9%
- Interest Coverage (EBIT/Int) 1.05x
Stability
Weight: 10%
D
38
- EPS Volatility (σ/μ) 0.91
- Piotroski F-Score 5
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 1 added; 1 trimmed; 2 full exits.
- Holders
- 2 -1
- Avg Δ position
- +0.0%
- New buys
- 0
- Full exits
- 2
- Dalio sold -100%
- Greenblatt sold -100%
- Wood increased +37%