Upstart Holdings (STU:855) ROC %: % (As of Mar. 2026)


STU:855 Upstart Holdings Inc STU:855
58 GF Score
Price €28.69
GF Value €53.86
Valuation Possible Value Trap
! 5 Warning Signs
View Full Analysis

What is Upstart Holdings ROC %?

Upstart Holdings STU:855 +3.69% 58 ROC % is % as of Mar. 2026. GuruFocus rates STU:855 with a GF Score™ of 58/100 and a GF Value™ of €53.86 (Possible Value Trap). The stock has 5 warning signs investors should review.

ROC %does not apply to banks.

STU:855
58GF Score
Upstart Holdings Inc STU:855
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Upstart Holdings (STU:855) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Upstart Holdings and its competitors.
Is Upstart Holdings' ROC % too high?
Upstart Holdings' current ROC % is %. Overall, Upstart Holdings has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' ROC % compare to BFH and WU?
Upstart Holdings' ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current ROC % 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 (STU:855) is currently considered Possible Value Trap. The stock's GF Value™ is €53.86, compared to a current price of €28.69 — trading 46.7% below its estimated fair value. The current ROC % is %. Upstart Holdings' overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Upstart Holdings (STU:855), the current ROC % 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 (STU:855) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of €28.69 is trading 46.7% below its estimated GF Value™ of €53.86. GuruFocus considers Upstart Holdings to be Possible Value Trap.

Key valuation signals for STU:855:

  • ROC %: %
  • GF Value™: €53.86 vs. price of €28.69 (46.7% below fair value)
  • GF Score™: 58/100 with 5 warning signs

No single metric tells the full story. See the STU:855 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).
58GF Score

Get the complete analysis for STU:855

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

€28.69
Price
€53.86
GF Value