LC
Price
$14.99
Change
-$0.31 (-2.03%)
Updated
Aug 8 closing price
Capitalization
1.72B
73 days until earnings call
UPST
Price
$68.76
Change
-$0.77 (-1.11%)
Updated
Aug 8 closing price
Capitalization
6.62B
93 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$14.99
Change-$0.31 (-2.03%)
Volume$1.21M
Capitalization1.72B
Upstart Holdings
Price$68.76
Change-$0.77 (-1.11%)
Volume$5.61M
Capitalization6.62B
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
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LC vs. UPST commentary
Aug 10, 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 Hold.

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COMPARISON
Comparison
Aug 10, 2025
Stock price -- (LC: $14.99 vs. UPST: $68.76)
Brand notoriety: LC and UPST are both not notable
Current volume relative to the 65-day Moving Average: LC: 65% vs. UPST: 97%
Market capitalization -- LC: $1.72B vs. UPST: $6.62B

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).

LC’s FA Score shows that 1 FA rating(s) are green whileUPST’s FA Score has 0 green FA rating(s).

  • LC’s FA Score: 1 green, 4 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, LC is a better buy in the long-term than UPST.

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 3 TA indicator(s) are bullish while UPST’s TA Score has 6 bullish TA indicator(s).

  • LC’s TA Score: 3 bullish, 4 bearish.
  • UPST’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, UPST is a better buy in the short-term than LC.

Price Growth

LC (@Regional Banks) experienced а -3.85% price change this week, while UPST (@Savings Banks) price change was -13.20% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.47%. For the same industry, the average monthly price growth was +0.46%, and the average quarterly price growth was +7.74%.

Reported Earning Dates

LC is expected to report earnings on Oct 22, 2025.

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

Industries' Descriptions

@Regional Banks (+1.47% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UPST($6.62B) has a higher market cap than LC($1.72B). UPST YTD gains are higher at: 11.678 vs. LC (-7.412). LC has less debt than UPST: LC (22.4M) vs UPST (1.38B). LC has higher revenues than UPST: LC (885M) vs UPST (714M).
LCUPSTLC / UPST
Capitalization1.72B6.62B26%
EBITDAN/AN/A-
Gain YTD-7.41211.678-63%
P/E Ratio23.42N/A-
Revenue885M714M124%
Total Cash15.9MN/A-
Total Debt22.4M1.38B2%
FUNDAMENTALS RATINGS
LC: Fundamental Ratings
LC
OUTLOOK RATING
1..100
92
VALUATION
overvalued / fair valued / undervalued
1..100
100
Overvalued
PROFIT vs RISK RATING
1..100
80
SMR RATING
1..100
16
PRICE GROWTH RATING
1..100
39
P/E GROWTH RATING
1..100
71
SEASONALITY SCORE
1..100
75

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
68%
Bearish Trend 2 days ago
81%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
81%
Bullish Trend 2 days ago
90%
Momentum
ODDS (%)
N/A
Bearish Trend 2 days ago
90%
MACD
ODDS (%)
Bullish Trend 2 days ago
73%
Bearish Trend 2 days ago
72%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
82%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
84%
Bearish Trend 2 days ago
88%
Advances
ODDS (%)
Bullish Trend 11 days ago
80%
Bullish Trend 18 days ago
88%
Declines
ODDS (%)
Bearish Trend 2 days ago
82%
Bearish Trend 4 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
73%
Bullish Trend 2 days ago
90%
Aroon
ODDS (%)
Bullish Trend 2 days ago
89%
Bullish Trend 2 days ago
88%
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LC
Daily Signalchanged days ago
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UPST
Daily Signalchanged days ago
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LC and

Correlation & Price change

A.I.dvisor indicates that over the last year, LC has been closely correlated with CFG. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if LC jumps, then CFG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LC
1D Price
Change %
LC100%
-2.03%
CFG - LC
67%
Closely correlated
+1.37%
ASB - LC
67%
Closely correlated
+0.93%
UMBF - LC
67%
Closely correlated
+1.45%
HBAN - LC
67%
Closely correlated
+0.31%
EWBC - LC
66%
Loosely correlated
N/A
More