LPRO
Price
$2.50
Change
+$0.05 (+2.04%)
Updated
Jul 14 closing price
Capitalization
744.17M
28 days until earnings call
UPST
Price
$74.98
Change
-$0.63 (-0.83%)
Updated
Jul 14 closing price
Capitalization
2.28B
21 days until earnings call
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LPRO vs UPST

Header iconLPRO vs UPST Comparison
Open Charts LPRO vs UPSTBanner chart's image
Open Lending
Price$2.50
Change+$0.05 (+2.04%)
Volume$627.68K
Capitalization744.17M
Upstart Holdings
Price$74.98
Change-$0.63 (-0.83%)
Volume$8.12M
Capitalization2.28B
LPRO vs UPST Comparison Chart in %
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LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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UPST
Daily Signalchanged days ago
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LPRO vs. UPST commentary
Jul 15, 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 LPRO is a Buy and UPST is a StrongBuy.

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COMPARISON
Comparison
Jul 15, 2025
Stock price -- (LPRO: $2.50 vs. UPST: $74.99)
Brand notoriety: LPRO and UPST are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: LPRO: 48% vs. UPST: 139%
Market capitalization -- LPRO: $744.17M vs. UPST: $2.28B
LPRO [@Finance/Rental/Leasing] is valued at $744.17M. UPST’s [@Finance/Rental/Leasing] market capitalization is $2.28B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $13.11B.

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).

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

  • LPRO’s FA Score: 1 green, 4 red.
  • UPST’s FA Score: 0 green, 5 red.
According to our system of comparison, LPRO 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.

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

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

Price Growth

LPRO (@Finance/Rental/Leasing) experienced а +8.70% price change this week, while UPST (@Finance/Rental/Leasing) price change was -1.79% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.29%. For the same industry, the average monthly price growth was +7.29%, and the average quarterly price growth was +15.23%.

Reported Earning Dates

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

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

Industries' Descriptions

@Finance/Rental/Leasing (+0.29% 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 LPRO($744M). LPRO has higher P/E ratio than UPST: LPRO (33.11) vs UPST (20.04). UPST YTD gains are higher at: 21.788 vs. LPRO (-58.124). LPRO has less debt than UPST: LPRO (148M) vs UPST (1.1B). UPST has higher revenues than LPRO: UPST (508M) vs LPRO (117M).
LPROUPSTLPRO / UPST
Capitalization744M2.28B33%
EBITDA40.7MN/A-
Gain YTD-58.12421.788-267%
P/E Ratio33.1120.04165%
Revenue117M508M23%
Total Cash240MN/A-
Total Debt148M1.1B13%
FUNDAMENTALS RATINGS
LPRO: Fundamental Ratings
LPRO
OUTLOOK RATING
1..100
23
VALUATION
overvalued / fair valued / undervalued
1..100
94
Overvalued
PROFIT vs RISK RATING
1..100
100
SMR RATING
1..100
98
PRICE GROWTH RATING
1..100
38
P/E GROWTH RATING
1..100
8
SEASONALITY SCORE
1..100
n/a

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
LPROUPST
RSI
ODDS (%)
Bearish Trend 2 days ago
81%
Bearish Trend 2 days ago
83%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
84%
Bearish Trend 2 days ago
87%
Momentum
ODDS (%)
Bullish Trend 2 days ago
79%
N/A
MACD
ODDS (%)
Bullish Trend 2 days ago
76%
N/A
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
88%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
89%
Advances
ODDS (%)
Bullish Trend 7 days ago
78%
Bullish Trend 6 days ago
88%
Declines
ODDS (%)
Bearish Trend 20 days ago
85%
Bearish Trend 2 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
79%
Bearish Trend 2 days ago
87%
Aroon
ODDS (%)
Bullish Trend 2 days ago
78%
Bullish Trend 2 days ago
89%
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LPRO
Daily Signalchanged days ago
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UPST
Daily Signalchanged days ago
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LPRO and

Correlation & Price change

A.I.dvisor indicates that over the last year, LPRO has been loosely correlated with LC. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if LPRO jumps, then LC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LPRO
1D Price
Change %
LPRO100%
+2.04%
LC - LPRO
48%
Loosely correlated
N/A
UPBD - LPRO
42%
Loosely correlated
-0.88%
ASHTY - LPRO
40%
Loosely correlated
-0.96%
BBDC - LPRO
36%
Loosely correlated
N/A
ENVA - LPRO
36%
Loosely correlated
+0.79%
More

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