Upstart Holdings (MIL:1UPST) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MIL:1UPST Upstart Holdings Inc MIL:1UPST
35 GF Score
Price €27.60
GF Value €54.68
Valuation Possible Value Trap
! 5 Warning Signs
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What is Upstart Holdings ROC (Joel Greenblatt) %?

Upstart Holdings MIL:1UPST -2.99% 35 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates MIL:1UPST with a GF Score™ of 35/100 and a GF Value™ of €54.68 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 414 Credit Services companies, Upstart Holdings ranks worse than 241545.65% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

MIL:1UPST
35GF Score
Upstart Holdings Inc MIL:1UPST
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Upstart Holdings (MIL:1UPST) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #999999 out of 414 companies in the Credit Services industry.
Is Upstart Holdings' ROC (Joel Greenblatt) % too high?
Upstart Holdings' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Upstart Holdings ranks #999999 out of 414 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Upstart Holdings has a GF Score™ of 35/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' ROC (Joel Greenblatt) % compare to WU and BFH?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #999999 out of 414 companies for ROC (Joel Greenblatt) %. This places Upstart Holdings in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current ROC (Joel Greenblatt) % is %. 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 (MIL:1UPST) is currently considered Possible Value Trap. The stock's GF Value™ is €54.68, compared to a current price of €27.60 — trading 49.5% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Upstart Holdings' overall GF Score™ is 35/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Upstart Holdings (MIL:1UPST), the current ROC (Joel Greenblatt) % is % as of Mar. 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 (MIL:1UPST) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of €27.60 is trading 49.5% below its estimated GF Value™ of €54.68. GuruFocus considers Upstart Holdings to be Possible Value Trap.

Key valuation signals for MIL:1UPST:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €54.68 vs. price of €27.60 (49.5% below fair value)
  • GF Score™: 35/100 with 5 warning signs

No single metric tells the full story. See the MIL:1UPST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Upstart Holdings Business Description

Address 2950 South Delaware Street, Suite 410, San Mateo, CA, USA, 94403
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).
35GF Score

Get the complete analysis for MIL:1UPST

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€27.60
Price
€54.68
GF Value