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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-27), Upstart Holdings's 3-1 Month Momentum % is -1.03%.
The industry rank for Upstart Holdings's 3-1 Month Momentum % or its related term are showing as below:
MEX:UPST's 3-1 Month Momentum % is ranked better than 50.18% of 562
companies
in the Credit Services industry
Industry Median: -2.585
vs MEX:UPST: -1.03
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Upstart Holdings 3-1 Month Momentum % Related Terms
MEX:UPST vs WU, AGM.A, ECPG: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Upstart Holdings's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Upstart Holdings 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's 3-1 Month Momentum % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Upstart Holdings (MEX:UPST) has a 3-1 Month Momentum % of -1.03% as of Jul. 27, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #280 out of 562 companies in the Credit Services industry, placing it in the top 49.8%.
Is Upstart Holdings' 3-1 Month Momentum % too high?
Upstart Holdings' current 3-1 Month Momentum % is -1.03%. Based on the distribution chart, Upstart Holdings ranks #280 out of 562 companies in the Credit Services industry, which is above the industry midpoint. Overall, Upstart Holdings has a GF Score™ of 50/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' 3-1 Month Momentum % compare to WU and AGM.A?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #280 out of 562 companies for 3-1 Month Momentum %. This puts Upstart Holdings in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
A good 3-1 Month Momentum % depends on the Credit Services industry context. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Upstart Holdings and its competitors. Upstart Holdings's current 3-1 Month Momentum % is -1.03%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upstart Holdings stock overvalued right now?
Based on GuruFocus' analysis, Upstart Holdings (MEX:UPST) is currently considered Possible Value Trap. The stock's GF Value™ is MXN1,116.42, compared to a current price of MXN470.00 — trading 57.9% below its estimated fair value. The current 3-1 Month Momentum % is -1.03%. Upstart Holdings' overall GF Score™ is 50/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Upstart Holdings (MEX:UPST), the current 3-1 Month Momentum % is -1.03% as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upstart Holdings (MEX:UPST) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of MXN470.00 is trading 57.9% below its estimated GF Value™ of MXN1,116.42.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for MEX:UPST:
3-1 Month Momentum %: -1.03%
GF Value™: MXN1,116.42 vs. price of MXN470.00 (57.9% below fair value)
No single metric tells the full story. See the MEX:UPST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
50GF Score
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