LC
Price
$12.43
Change
-$0.27 (-2.13%)
Updated
Jul 15, 04:59 PM (EDT)
Capitalization
970.51M
14 days until earnings call
UPST
Price
$74.09
Change
-$0.90 (-1.20%)
Updated
Jul 15, 04:59 PM (EDT)
Capitalization
2.28B
21 days until earnings call
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LC vs UPST

Header iconLC vs UPST Comparison
Open Charts LC vs UPSTBanner chart's image
LendingClub
Price$12.43
Change-$0.27 (-2.13%)
Volume$15.25K
Capitalization970.51M
Upstart Holdings
Price$74.09
Change-$0.90 (-1.20%)
Volume$20.6K
Capitalization2.28B
LC vs UPST Comparison Chart in %
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LC
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
Gain/Loss if bought
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LC vs. UPST commentary
Jul 16, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is LC is a StrongBuy and UPST is a StrongBuy.

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COMPARISON
Comparison
Jul 16, 2025
Stock price -- (UPST: $74.99)
Brand notoriety:
Market capitalization --

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

UPST’s FA Score shows that 0 FA rating(s) are green while.

  • UPST’s FA Score: 0 green, 5 red.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

LC’s TA Score shows that 4 TA indicator(s) are bullish while UPST’s TA Score has 2 bullish TA indicator(s).

  • LC’s TA Score: 4 bullish, 3 bearish.
  • UPST’s TA Score: 2 bullish, 4 bearish.
According to our system of comparison, LC is a better buy in the short-term than UPST.

Price Growth

UPST (@Finance/Rental/Leasing) experienced а -1.79% price change this weekfor the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.22%. For the same industry, the average monthly price growth was +6.49%, and the average quarterly price growth was +14.62%.

Reported Earning Dates

UPST is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-0.22% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
UPST($2.28B) has a higher market cap than LC($971M). LC has higher P/E ratio than UPST: LC (24.33) vs UPST (20.04). UPST YTD gains are higher at: 21.788 vs. LC (-21.557). LC has less debt than UPST: LC (57.2M) vs UPST (1.1B). LC has higher revenues than UPST: LC (865M) vs UPST (508M).
LCUPSTLC / UPST
Capitalization971M2.28B43%
EBITDAN/AN/A-
Gain YTD-21.55721.788-99%
P/E Ratio24.3320.04121%
Revenue865M508M170%
Total CashN/AN/A-
Total Debt57.2M1.1B5%
FUNDAMENTALS RATINGS
LC: Fundamental Ratings
LC
OUTLOOK RATING
1..100
30
VALUATION
overvalued / fair valued / undervalued
1..100
99
Overvalued
PROFIT vs RISK RATING
1..100
83
SMR RATING
1..100
12
PRICE GROWTH RATING
1..100
43
P/E GROWTH RATING
1..100
55
SEASONALITY SCORE
1..100
95

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
LCUPST
RSI
ODDS (%)
Bearish Trend 2 days ago
78%
Bearish Trend 2 days ago
83%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
81%
Bearish Trend 2 days ago
87%
Momentum
ODDS (%)
N/A
N/A
MACD
ODDS (%)
Bullish Trend 6 days ago
76%
N/A
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
82%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
83%
Bullish Trend 2 days ago
89%
Advances
ODDS (%)
Bullish Trend 5 days ago
80%
Bullish Trend 6 days ago
88%
Declines
ODDS (%)
N/A
Bearish Trend 2 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
86%
Bearish Trend 2 days ago
87%
Aroon
ODDS (%)
Bullish Trend 2 days ago
89%
Bullish Trend 2 days ago
89%
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LC
Daily Signalchanged days ago
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UPST
Daily Signalchanged days ago
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UPST and

Correlation & Price change

A.I.dvisor indicates that over the last year, UPST has been loosely correlated with SOFI. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if UPST jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UPST
1D Price
Change %
UPST100%
-0.84%
SOFI - UPST
61%
Loosely correlated
+0.61%
SEZL - UPST
58%
Loosely correlated
+0.80%
LC - UPST
54%
Loosely correlated
N/A
OMF - UPST
52%
Loosely correlated
-0.11%
R - UPST
51%
Loosely correlated
-0.98%
More