UPST (UPST)

Secondary decision view: valuation · portfolio context · the data you need before acting on a single-source signal.
Neutral rule-based

UPST has no clear signal.

Verdict bucket from deterministic rule (validation / floor distance / risk alerts). LLM narration only — never picks the bucket.

BUY-ZONE DECISION rule signal

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RULES & ALERTS FIRING

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VALUATION

Valuation data not yet available for this ticker. Try again in a few minutes.

Floor Engine

Using P/B USD 30.32 Confidence low
PB medium
USD 21.73
P/B reverts to historical 10th-percentile (asset-driven businesses)
Bank/insurance — P/B + ROE model applies, EBIT-based valuation does not
BOOK VALUE medium
USD 5.36
Book-value floor (financials; profitable banks shouldn't trade below book long-term)

YOUR WATCHLIST CONTEXT

○ anonymous
What you'll see after sign-in
Your floor
$XXX.XX
Your golden
$XXX.XX
Market
XXX

· Your personal floor / golden price overlay on the live price

· Per-ticker rule alerts when this stock crosses your thresholds

· Position P&L overlay — what this ticker means inside your full portfolio

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IMPLIED VOLATILITY

CURRENT IV 47.5% HV (30D) 47.5% IV RANK (1Y) 0 LOW
IV vs HV · last 1 year

Earnings Reactions

UPST
8 earnings events · last 2 years
Avg Gap%
+2.44%
Avg Day%
+7.04%
Up Hit Rate
38%
24-08
24-11
25-02
25-05
25-08
25-11
26-02
26-05
Bar height = |Gap%| normalized to the period max. Green = up, red = down.
Date Time EPS Surprise Gap% Day% Week%
2026-05-05 AMC 0.30 -29.0% -10.19% -7.92% -13.41%
2026-02-10 AMC 0.50 +7.6% -3.71% -15.04% -21.33%
2025-11-04 AMC 0.52 +23.4% -14.84% -9.71% -14.32%
2025-08-05 AMC 0.36 +41.6% -2.70% -18.74% -19.11%
2025-05-06 AMC 0.30 +75.9% -16.30% -9.65% -0.16%
2025-02-11 AMC 0.26 +750.2% +23.91% +31.82% +17.63%
2024-11-07 AMC -0.06 +59.1% +17.67% +46.02% +23.24%
2024-08-06 AMC -0.17 +56.7% +25.68% +39.51% +51.15%

Is UPST (UPST) overvalued right now?

Whether UPST (UPST) is overvalued depends on the lens you use: trailing P/E vs its own history, CAPE vs the broader market, earnings yield vs Treasury yields. We surface all three so you don't have to pick one in isolation.

UPST (UPST) — what's the SELL PUT risk profile?

Selling cash-secured puts on UPST (UPST) is a common income strategy, but the right strike depends on your floor price (the level you'd happily own at) and the option chain's buffer/APY tradeoff. The full ladder view (deferred to a future release) ranks candidates by buffer percentage first, then APY — see the option ladder methodology for why buffer matters more than yield in this strategy.

UPST (UPST) — which option strategy fits your view?

If you're bullish long-term but cautious near-term on UPST (UPST), SELL PUT into your floor zone collects premium while waiting for a better entry. If you already own it and are neutral-to-mildly-bullish, COVERED CALL caps upside but harvests time decay. The wrong strategy on the right ticker still loses money — match the trade to your view, not the other way around.

UPST (UPST) — is now a good entry?

Entry timing on UPST (UPST) is a function of your floor price (hard buy zone) and golden price (back-the-truck-up zone). Both are personal — set them in your watchlist and we'll alert you when the market hits either level.

FAQ

Why does UPST show different P/E numbers on different sites?

Different data providers use different earnings windows (TTM vs forward, GAAP vs adjusted) and update at different cadences. We surface trailing P/E with a 5-year percentile rank to give context — a P/E of 30 is hot for one stock and cold for another.

Does this page show UPST's implied volatility?

Not on this v0 page — the dedicated volatility tool covers IV with multi-source voting (IBKR + Polygon + yfinance). For pure IV lookup, use /tools/volatility. This page is for decision-stage queries that pull together valuation + portfolio context.

How is this different from Yahoo Finance or 雪球's UPST page?

Those sites are great for raw data discovery — last price, news, headline P/E. This page is built for the second look: you've already seen a single-dimension signal somewhere else, now you need multi-dimensional decision context (your floor, the valuation percentile, your portfolio overlay) in one view, not five tabs.