SignalIQ Stock Brief™
Published · as of 2026-07-24
The structural weakness of the current signal profile centers on the divergence between high underlying Quality (37.0) and Value (33.0), which are counterbalanced by significantly low Momentum (23.0) and Timing (19.0). The substantial drop in the timing score suggests that while the fundamental attributes remain intact, the immediate market environment is unfavorable for entry or continuation. This weakness is compounded by a steep decline in momentum (-5.0 delta), indicating that recent price action has been negative and decelerating. Conversely, the risk profile remains elevated (Risk Score: 31.0; Risk Rating: VERY HIGH), which must be weighed against the positive movement in the risk score itself (+3.0 delta). The combination of high quality fundamentals with low momentum suggests a potential disconnect between intrinsic worth and current market pricing action. Given the bearish top signal direction, caution is warranted as the stock exhibits significant volatility (Beta: 2.75) and negative alpha (-100.58), confirming recent underperformance relative to its systematic risk. A key watch item is monitoring the timing score; if it reverses course and shows a positive delta of at least +4.0 within the next five trading days, this would suggest an improving immediate market entry window.
Summary ▸
The most notable shift is the significant decline in the timing score, which dropped 8.0 points over seven days. This suggests a deterioration in the immediate market conditions or entry window for UPST, despite stable quality and value metrics.
In a Defensive regime, UPST's AIQ Score of 31/100 suggests caution. Reduce position size or hold. Confirm reversal before re-entering.
Quick Stats
UPST's recent component-level deltas are not available in this snapshot. Use the current AIQ, Sharpe, and volatility profile above as the primary read until the next data refresh.
Snapshot: 2026-07-27T10:17:43.263Z.
| Date | AIQ | Mom | Val | Qual | Resilience |
|---|---|---|---|---|---|
| 2026-07-25 | 31 | 23 | 33 | 37 | 31 |
| 2026-07-18 | 32 | 28 | 33 | 37 | 28 |
| 2026-07-11 | 39 | 56 | 33 | 37 | 28 |
| 2026-07-04 | 41 | 65 | 33 | 37 | 28 |
| 2026-06-27 | 42 | 67 | 33 | 37 | 28 |
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UPST (UPST) Stock Analysis
UPST (UPST) has an AIQ Score of 31/100 in a Defensive regime as of Jul 25, 2026. The main conflict is that component evidence is mixed in the latest snapshot.
UPST (UPST) carries an AIQ Score of 31 out of 100, placing it in a bearish signal regime for this snapshot. A mid-range reading typically means component signals are not fully aligned, so interpretation should focus on what is improving versus what is lagging.
Beta is 2.19, implying roughly 119% higher sensitivity than a broad market baseline.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | UPST is in a Defensive AIQ regime with score 31/100. |
| Signal Conflict | The primary conflict is that component evidence is mixed in the latest snapshot. |
| Factor Evidence | Factor evidence is not available in this snapshot. |
| Persistence | UPST has scored AIQ 60+ in 0 of the last 60 daily snapshots. 30-day avg: 38/100. 60-day avg: 38/100. |
| Checklist | Status | Evidence |
|---|---|---|
| Factor strength | Wait | No factor has enough evidence to pass this check. |
| Timing | Wait | Momentum is —. |
| Regime fit | Fail | UPST is in a Defensive regime at 31/100. |
| Risk control | Wait | Risk factor is — with beta of 2.19 indicates above-market sensitivity. |
| Conflict | Pass | Current conflict: component evidence is mixed in the latest snapshot. |
UPST's recent component-level deltas are not available in this snapshot. Use the current AIQ, Sharpe, and volatility profile above as the primary read until the next data refresh.
Signal snapshot as of 2026-07-27T10:17:43.263Z.
| Metric | Current |
|---|---|
| AIQ Score | 31/100 |
| Price | $26.93 |
| Beta | 2.19 |
UPST vs Fintech & Payments Peers
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UPST Stock FAQ
What does the UPST AIQ Score mean?
AIQ Score summarizes multiple factors for UPST, including momentum, value, quality, and risk. Higher scores generally indicate stronger combined signals, but you should still validate with your own risk tolerance.
How often is UPST data updated?
UPST quote and scoring components refresh on the platform cadence. Always confirm timestamp freshness on-page before making time-sensitive decisions.
Should I compare UPST with an index before investing?
Yes. Comparing UPST versus benchmarks like SPY or QQQ helps you separate stock-specific strength from broader market moves.
Where can I review deeper UPST fundamentals, technicals, and risk?
Use the Fundamentals, Technicals, and Risk tabs from this page to inspect driver-level metrics behind the headline score.
How the AIQ Score Is Built
Methodology, factor weights, and how to interpret score history
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