Upstart Holdings (FRA:855) Tariff Resilience Score: 9/10 (As of Jul. 02, 2026)


FRA:855 Upstart Holdings Inc FRA:855
62 GF Score
Price €30.59
GF Value €52.89
Valuation Possible Value Trap
! 5 Warning Signs
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What is Upstart Holdings Tariff Resilience Score?

Upstart Holdings FRA:855 +2.21% 62 Tariff Resilience Score is 9 as of Jul. 02, 2026. GuruFocus rates FRA:855 with a GF Score™ of 62/100 and a GF Value™ of €52.89 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 565 Credit Services companies, Upstart Holdings ranks better than 99.47% on this metric.

Upstart Holdings has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Upstart Holdings has As a financial technology company, Upstart Holdings has minimal exposure to tariffs. Its operations are primarily digital, reducing dependency on physical goods and international trade.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Upstart Holdings might have Highly Resilient.

Upstart Holdings  (FRA:855) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Upstart Holdings Tariff Resilience Score Related Terms

FRA:855 vs WU, BFH, AGM.A: Tariff Resilience Score Comparison

For the Credit Services subindustry, Upstart Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Upstart Holdings's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Upstart Holdings's Tariff Resilience Score falls into.


FRA:855
62GF Score
Upstart Holdings Inc FRA:855
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Upstart Holdings (FRA:855) has a Tariff Resilience Score of 9 as of Jul. 02, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Upstart Holdings ranks #3 out of 565 companies in the Credit Services industry, placing it in the top 0.5%.
Is Upstart Holdings' Tariff Resilience Score too high?
Upstart Holdings' current Tariff Resilience Score is 9. Based on the distribution chart, Upstart Holdings ranks #3 out of 565 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Upstart Holdings has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' Tariff Resilience Score compare to WU and BFH?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #3 out of 565 companies for Tariff Resilience Score. This places Upstart Holdings in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Upstart Holdings's current Tariff Resilience Score is 9. 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 (FRA:855) is currently considered Possible Value Trap. The stock's GF Value™ is €52.89, compared to a current price of €30.59 — trading 42.2% below its estimated fair value. The current Tariff Resilience Score is 9. Upstart Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current Tariff Resilience Score is 9 as of Jul. 02, 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 (FRA:855) Overvalued in 2026?

Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued. The current stock price of €30.59 is trading 42.2% below its estimated GF Value™ of €52.89. GuruFocus considers Upstart Holdings to be Possible Value Trap.

Key valuation signals for FRA:855:

  • Tariff Resilience Score: 9
  • GF Value™: €52.89 vs. price of €30.59 (42.2% below fair value)
  • GF Score™: 62/100 with 5 warning signs

No single metric tells the full story. See the FRA: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).
62GF Score

Get the complete analysis for FRA:855

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

€30.59
Price
€52.89
GF Value