A research filter, not a predictor — not financial advice. Grades rank growth stocks on evidence-based quality signals from end-of-day data; they are not buy/sell calls or price forecasts. Always do your own research.

Upstart Holdings, Inc. UPST

Mixed broader-coverage candidate · Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States.

On FrontierLab's discovery record since 2026-08-20 (yesterday) — when this name first surfaced. (distinct from the snapshot date below)

Auto-graded broader coverage — sourced by an automated screen and graded on default bands, not the sector-calibrated bands the curated screener uses. A "Mixed" here is NOT the same bar as a curated grade; these are auto-screened candidates for your own research, shown as of their surface date (2026-08-21), not the curated Frontier signal.

Key quality signals

Revenue growth (YoY)	30.6%
Gross margin	74.4%
Gross profits / assets	0.27
Rule of 40	34.8
Net margin	4.2%
Cash runway (months)	19.3
PEG	—
Price / sales	2.4

Quality checklist

✓ Revenue growth — 30.6% (pass ≥ 20%)
~ Gross profits / assets — 0.27 (pass ≥ 0.33)
✓ Gross margin — 74.4% (pass ≥ 60%)
~ Cash generation
✗ Share dilution — 6.7%

Fundamentals — snapshot as of 2026-08-21

Stage	Established
Share issuance (YoY)	6.7% · heavy issuance
Moat	—
TAM	—
P/E (trailing)	56.4
EPS (trailing)	$0.51
Burn multiple	0.2
Gross-margin trend (pts)	-21
Cash / assets	0.14
Net debt / EBITDA	19
Statements as of	Q2 FY2026 · filed 2026-08-04

Momentum context — a snapshot from 2026-08-21, not current

Price at surface	$28.86 (as of 2026-08-21)
52-week range	$23.965 – $76.95
% off 52-wk high	-62.5%
RSI (14)	46
Relative volume	1.6×

Risk flags

Heavy share dilution (>5%/yr) — your slice shrinks.

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Data as of 2026-08-21 (end-of-day). How grades are computed →